NASDAQ: HBNCHorizon Bancorp Inc Stock
$15.89-0.03 (-0.19%)
Updated Mar 13, 2026
HBNC Price
$15.89
Fair Value Price
-$3.47
Market Cap
$813.98M
52 Week Low
$12.70
52 Week High
$19.07
P/E
-4.9x
P/B
1.18x
P/S
-30.1x
PEG
N/A
Dividend Yield
4.03%
Revenue
-$28.86M
Earnings
-$150.48M
Gross Margin
100%
Operating Margin
696.95%
Profit Margin
521.4%
Debt to Equity
8.35
Operating Cash Flow
$79M
Beta
0.95
Next Earnings
Apr 21, 2026
Ex-Dividend
N/A
Next Dividend
N/A
HBNC Overview
Horizon Bancorp, Inc. operates as the bank holding company for Horizon Bank that provides a range of commercial and retail banking services. The company offers various deposits. It also provides commercial, residential real estate, mortgage warehouse, and consumer loans. In addition, the company offers corporate and individual trust and agency, investment management, and real estate investment trust services; and sells various insurance products. It operates through a network of 78 full-service offices in northern and central Indiana and southern and central Michigan. Horizon Bancorp, Inc. was founded in 1873 and is headquartered in Michigan City, Indiana.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine HBNC's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
HBNC
Ranked#71 of 279
Ranked#71 of 279
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $5.72 | B | |
| $27.13 | B | |
| $28.30 | B |
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HBNC News
Overview
Due Diligence Score
–
Industry Average (38)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how HBNC scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
HBNC ($15.89) is overvalued by 558.26% relative to our estimate of its Fair Value price of -$3.47 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
HBNC ($15.89) is not significantly undervalued (558.26%) relative to our estimate of its Fair Value price of -$3.47 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
HBNC is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more HBNC due diligence checks available for Premium users.
Valuation
HBNC fair value
Fair Value of HBNC stock based on Discounted Cash Flow (DCF)
Price
$15.89
Fair Value
-$3.47
Undervalued by
558.26%
HBNC ($15.89) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
HBNC ($15.89) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
HBNC is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
HBNC price to earnings (PE)
For valuing profitable companies with steady earnings
Company
-4.9x
Industry
13.71x
Market
31.8x
HBNC price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.18x
Industry
1.18x
HBNC is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
HBNC's financial health
Profit margin
Revenue
$73.3M
Net Income
$26.9M
Profit Margin
36.7%
HBNC's Earnings (EBIT) of -$201.15M... subscribe to Premium to read more.
Interest Coverage Financials
HBNC's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$6.4B
Liabilities
$5.7B
Debt to equity
8.35
HBNC's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
HBNC's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$33.6M
Investing
-$46.3M
Financing
-$306.1M
HBNC's operating cash flow ($79.23M)... subscribe to Premium to read more.
Debt Coverage Financials
HBNC vs Bank Stocks
Horizon Bancorp Stock FAQ
Company
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