Stock Scorecard
Stock Summary for Horizon Bancorp Inc (IN) (HBNC) - $17.80 as of 4/24/2026 3:12:01 PM EST
Total Score
6 out of 30
Safety Score
50 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for HBNC
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for HBNC
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for HBNC
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for HBNC
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for HBNC (50 out of 100)
| Stock Price Rating (Max of 10) | 6 |
| Historical Stock Price Rating (Max of 10) | 5 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 5 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 3 |
| Analyst Strong Buy Ratings (Max of 5) | 3 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 6 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for HBNC
Financial Details for HBNC
Company Overview |
|
|---|---|
| Ticker | HBNC |
| Company Name | Horizon Bancorp Inc (IN) |
| Country | USA |
| Description | Horizon Bancorp, Inc. is the banking holding company for Horizon Bank providing a range of commercial and retail banking services. The company is headquartered in Michigan City, Indiana. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 3/31/2026 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 17.80 |
| Price 4 Years Ago | 12.76 |
| Last Day Price Updated | 4/24/2026 3:12:01 PM EST |
| Last Day Volume | 519,194 |
| Average Daily Volume | 347,392 |
| 52-Week High | 18.89 |
| 52-Week Low | 13.79 |
| Last Price to 52 Week Low | 29.08% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 14.80 |
| Sector PE | 18.68 |
| 5-Year Average PE | 5.68 |
| Free Cash Flow Ratio | 13.69 |
| Industry Free Cash Flow Ratio | 13.65 |
| Sector Free Cash Flow Ratio | 25.81 |
| Current Ratio Most Recent Quarter | 1.14 |
| Total Cash Per Share | 1.30 |
| Book Value Per Share Most Recent Quarter | 13.44 |
| Price to Book Ratio | 1.30 |
| Industry Price to Book Ratio | 1.20 |
| Sector Price to Book Ratio | 1.72 |
| Price to Sales Ratio Twelve Trailing Months | 3.76 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.48 |
| Sector Price to Sales Ratio Twelve Trailing Months | 5.01 |
| Analyst Buy Ratings | 3 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 51,057,000 |
| Market Capitalization | 908,814,600 |
| Institutional Ownership | 80.51% |
Dividends |
|
| Ex-Dividend Date | 4/2/2026 |
| Previous Dividend Amount | 0.1600 |
| Current Dividend Amount | 0.1600 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.64 |
| Trailing Annual Dividend Yield | 3.60% |
| Forward Annual Dividend Rate | 0.64 |
| Forward Annual Dividend Yield | 3.60% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 3.85% |
| 5-Year Average Dividend Yield | 4.48% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.80% |
| All-Time Dividend Growth Rate Percentage | 9.34% |
| Dividend Payout Ratio | -19.51% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 46.90% |
| Annual Earnings Growth | -524.75% |
| Reported EPS 12 Trailing Months | -3.28 |
| Reported EPS Past Year | 0.00 |
| Reported EPS Prior Year | 3.17 |
| Net Income Twelve Trailing Months | -150,483,000 |
| Net Income Past Year | -150,483,000 |
| Net Income Prior Year | 35,429,000 |
| Quarterly Revenue Growth YOY | 218.70% |
| 5-Year Revenue Growth | -16.51% |
| Operating Margin Twelve Trailing Months | 47.30% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 66,813,000 |
| Total Cash Past Year | 66,813,000 |
| Total Cash Prior Year | 294,166,000 |
| Net Cash Position Most Recent Quarter | -249,039,000 |
| Net Cash Position Past Year | -249,039,000 |
| Long Term Debt Past Year | 315,852,000 |
| Long Term Debt Prior Year | 1,255,555,000 |
| Total Debt Most Recent Quarter | 315,852,000 |
| Equity to Debt Ratio Past Year | 0.69 |
| Equity to Debt Ratio Most Recent Quarter | 0.69 |
| Total Stockholder Equity Past Year | 688,251,000 |
| Total Stockholder Equity Prior Year | 763,582,000 |
| Total Stockholder Equity Most Recent Quarter | 688,251,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 79,909,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 1.57 |
| Free Cash Flow Past Year | 41,645,000 |
| Free Cash Flow Prior Year | 1,284,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.36 |
| MACD Signal | 0.30 |
| 20-Day Bollinger Lower Band | 15.54 |
| 20-Day Bollinger Middle Band | 17.16 |
| 20-Day Bollinger Upper Band | 18.77 |
| Beta | 0.80 |
| RSI | 55.70 |
| 50-Day SMA | 16.04 |
| 150-Day SMA | 13.65 |
| 200-Day SMA | 13.49 |
System |
|
| Modified | 4/25/2026 12:36:53 AM EST |