Historical Valuation
Horizon Bancorp Inc (HBNC) is now in the Undervalued zone, suggesting that its current forward PE ratio of 8.30 is considered Undervalued compared with the five-year average of 8.99. The fair price of Horizon Bancorp Inc (HBNC) is between 17.47 to 20.97 according to relative valuation methord. Compared to the current price of 17.03 USD , Horizon Bancorp Inc is Undervalued By 2.51%.
Relative Value
Fair Zone
17.47-20.97
Current Price：17.03
2.51%
Undervalued
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Horizon Bancorp Inc (HBNC) has a current Price-to-Book (P/B) ratio of 1.28. Compared to its 3-year average P/B ratio of 0.86 , the current P/B ratio is approximately 49.00% higher. Relative to its 5-year average P/B ratio of 0.98, the current P/B ratio is about 29.97% higher. Horizon Bancorp Inc (HBNC) has a Forward Free Cash Flow (FCF) yield of approximately -1.01%. Compared to its 3-year average FCF yield of 9.58%, the current FCF yield is approximately -110.51% lower. Relative to its 5-year average FCF yield of 10.46% , the current FCF yield is about -109.62% lower.
P/B
Median3y
0.86
Median5y
0.98
FCF Yield
Median3y
9.58
Median5y
10.46
Competitors Valuation Multiple
AI Analysis for HBNC
The average P/S ratio for HBNC competitors is 2.68, providing a benchmark for relative valuation. Horizon Bancorp Inc Corp (HBNC.O) exhibits a P/S ratio of 2.82, which is 5.15% above the industry average. Given its robust revenue growth of -542.56%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for HBNC
1Y
3Y
5Y
Market capitalization of HBNC increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of HBNC in the past 1 year is driven by Unknown.
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Frequently Asked Questions
Is HBNC currently overvalued or undervalued?
Horizon Bancorp Inc (HBNC) is now in the Undervalued zone, suggesting that its current forward PE ratio of 8.30 is considered Undervalued compared with the five-year average of 8.99. The fair price of Horizon Bancorp Inc (HBNC) is between 17.47 to 20.97 according to relative valuation methord. Compared to the current price of 17.03 USD , Horizon Bancorp Inc is Undervalued By 2.51% .
What is Horizon Bancorp Inc (HBNC) fair value?
HBNC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Horizon Bancorp Inc (HBNC) is between 17.47 to 20.97 according to relative valuation methord.
How does HBNC's valuation metrics compare to the industry average?
The average P/S ratio for HBNC's competitors is 2.68, providing a benchmark for relative valuation. Horizon Bancorp Inc Corp (HBNC) exhibits a P/S ratio of 2.82, which is 5.15% above the industry average. Given its robust revenue growth of -542.56%, this premium appears unsustainable.
What is the current P/B ratio for Horizon Bancorp Inc (HBNC) as of Jan 11 2026?
As of Jan 11 2026, Horizon Bancorp Inc (HBNC) has a P/B ratio of 1.28. This indicates that the market values HBNC at 1.28 times its book value.
What is the current FCF Yield for Horizon Bancorp Inc (HBNC) as of Jan 11 2026?
As of Jan 11 2026, Horizon Bancorp Inc (HBNC) has a FCF Yield of -1.01%. This means that for every dollar of Horizon Bancorp Inc’s market capitalization, the company generates -1.01 cents in free cash flow.
What is the current Forward P/E ratio for Horizon Bancorp Inc (HBNC) as of Jan 11 2026?
As of Jan 11 2026, Horizon Bancorp Inc (HBNC) has a Forward P/E ratio of 8.30. This means the market is willing to pay $8.30 for every dollar of Horizon Bancorp Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Horizon Bancorp Inc (HBNC) as of Jan 11 2026?
As of Jan 11 2026, Horizon Bancorp Inc (HBNC) has a Forward P/S ratio of 2.82. This means the market is valuing HBNC at $2.82 for every dollar of expected revenue over the next 12 months.