HBNC PE Ratio & Valuation,Is HBNC Overvalued

HBNC Relative Valuation

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. If the market price exceeds this fair value range, HBNC is overvalued; if below, it's undervalued.

Historical Valuation

Horizon Bancorp Inc (HBNC) is now in the Fair zone, suggesting that its current forward PE ratio of 9.27 is considered Fairly compared with the five-year average of 9.01. The fair price of Horizon Bancorp Inc (HBNC) is between 17.25 to 20.71 according to relative valuation methord.

Relative Value

Fair Zone

17.25-20.71

Current Price：18.55

Fair

9.27

0.00

EV/EBITDA

Horizon Bancorp Inc. (HBNC) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Horizon Bancorp Inc. (HBNC) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

3.15

Horizon Bancorp Inc. (HBNC) has a current PS of 3.15. The 5-year average PS is 2.80. The thresholds are as follows: Strongly Undervalued below 1.86, Undervalued between 1.86 and 2.33, Fairly Valued between 3.27 and 2.33, Overvalued between 3.27 and 3.74, and Strongly Overvalued above 3.74. The current Forward PS of 3.15 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Horizon Bancorp Inc. (HBNC) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Horizon Bancorp Inc. (HBNC) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Horizon Bancorp Inc (HBNC) has a current Price-to-Book (P/B) ratio of 1.42. Compared to its 3-year average P/B ratio of 0.85 , the current P/B ratio is approximately 67.45% higher. Relative to its 5-year average P/B ratio of 0.98, the current P/B ratio is about 45.66% higher. Horizon Bancorp Inc (HBNC) has a Forward Free Cash Flow (FCF) yield of approximately -0.90%. Compared to its 3-year average FCF yield of 9.86%, the current FCF yield is approximately -109.14% lower. Relative to its 5-year average FCF yield of 10.57% , the current FCF yield is about -108.52% lower.

1.42

P/B

Median3y

0.85

Median5y

0.98

-0.90

FCF Yield

Median3y

9.86

Median5y

10.57

Competitors Valuation Multiple

The average P/S ratio for HBNC's competitors is 2.94, providing a benchmark for relative valuation. Horizon Bancorp Inc Corp (HBNC) exhibits a P/S ratio of 3.15, which is 7.3% above the industry average. Given its robust revenue growth of -542.56%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

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 Horizon Bancorp Inc (HBNC) currently overvalued or undervalued?

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 17.25 to 20.71 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 2.94, providing a benchmark for relative valuation. Horizon Bancorp Inc Corp (HBNC) exhibits a P/S ratio of 3.15, which is 7.30% 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 Dec 15 2025?

As of Dec 15 2025, Horizon Bancorp Inc (HBNC) has a P/B ratio of 1.42. This indicates that the market values HBNC at 1.42 times its book value.

What is the current FCF Yield for Horizon Bancorp Inc (HBNC) as of Dec 15 2025?

As of Dec 15 2025, Horizon Bancorp Inc (HBNC) has a FCF Yield of -0.90%. This means that for every dollar of Horizon Bancorp Inc’s market capitalization, the company generates -0.90 cents in free cash flow.

What is the current Forward P/E ratio for Horizon Bancorp Inc (HBNC) as of Dec 15 2025?

As of Dec 15 2025, Horizon Bancorp Inc (HBNC) has a Forward P/E ratio of 9.27. This means the market is willing to pay $9.27 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 Dec 15 2025?

As of Dec 15 2025, Horizon Bancorp Inc (HBNC) has a Forward P/S ratio of 3.15. This means the market is valuing HBNC at $3.15 for every dollar of expected revenue over the next 12 months.

HBNC Valuation

HBNC Valuation

HBNC Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is Horizon Bancorp Inc (HBNC) currently overvalued or undervalued?

What is Horizon Bancorp Inc (HBNC) fair value?

How does HBNC's valuation metrics compare to the industry average?

What is the current P/B ratio for Horizon Bancorp Inc (HBNC) as of Dec 15 2025?

What is the current FCF Yield for Horizon Bancorp Inc (HBNC) as of Dec 15 2025?

What is the current Forward P/E ratio for Horizon Bancorp Inc (HBNC) as of Dec 15 2025?

What is the current Forward P/S ratio for Horizon Bancorp Inc (HBNC) as of Dec 15 2025?