Horizon Bancorp (4WC) Price & Analysis

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4WC Stock Chart & Stats

€16.80

€1.50(9.80%)

At close: Jul 24 4:00 PM EDT

€16.80

€1.50(9.80%)

Day’s Range― - ―

52-Week Range€12.60 - €18.70

Previous CloseN/A

Volume0.00

Average Volume (3M)0.00

Market Cap

€910.20M

Enterprise Value€1.33K

Total Cash (Recent Filing)€1.12B

Total Debt (Recent Filing)€379.09M

Price to Earnings (P/E)―

Beta0.77

Next Earnings

Oct 28, 2026

EPS Estimate

0.47

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)-3.16

Shares Outstanding51,329,765

10 Day Avg. Volume0

30 Day Avg. Volume0

Financial Highlights & Ratios

PEG Ratio0.01

Price to Book (P/B)1.26

Price to Sales (P/S)8.38

P/FCF Ratio11.64

Enterprise Value/Market CapN/A

Enterprise Value/RevenueN/A

Enterprise Value/Gross ProfitN/A

Enterprise Value/EbitdaN/A

Forecast

1Y Price Target

€19.98

Price Target Upside18.93% Upside

Rating ConsensusModerate Buy

Number of Analyst Covering2

EPS Forecast (FY)1.84

Revenue Forecast (FY)€268.48M

Bulls Say, Bears Say

Bulls Say

Exceptional Deposit GatheringSustained, above-trend deposit inflows (including ~$61M in noninterest-bearing deposits) improve funding stability and lower reliance on wholesale funding. This durable low-cost deposit base supports loan growth, liquidity buffers and margin resilience over the next several quarters.

Stable, Above-peer Net Interest MarginA high, stable NIM and explicit guidance for mid-4% FTE NIM indicate the bank retains structural asset/pricing advantages and effective funding management. Sustained margin at this level supports core earnings power even if loan mix or reinvestment rates shift over the next 2–6 months.

Positive Operating And Free Cash FlowConsistent positive operating and free cash flow despite accounting losses demonstrates real cash-generation ability. Strong cash conversion provides durable liquidity for capital accretion, dividend support, reserves and targeted reinvestment without immediate capital raises.

Bears Say

Sharp Revenue And Margin DeteriorationA dramatic revenue decline and deeply negative net margin signal weakened core earnings capacity. Sustained top-line contraction and negative margins erode operating leverage, forcing structural cost or strategic changes to restore profitability across multiple quarters.

Negative Returns On EquitySubstantial negative ROE indicates equity is being consumed by losses, which can sap capital ratios and limit lending or M&A optionality. Even with improved leverage, persistent negative returns risk regulatory or market pressure for recapitalization over the medium term.

Mortgage/consumer Softness And Cost PressuresA pullback in mortgage/consumer origination reduces fee income and loan diversification, while anticipated higher merit and deposit costs can compress NIM and operating income. These structural headwinds may persist for several quarters and hinder margin recovery.

Horizon Bancorp News

Horizon Bancorp price target raised to $23 from $21 at Keefe Bruyette

Keefe Bruyette raised the firm’s price target on Horizon Bancorp (HBNC) to $23 from $21 and keeps an...

14d ago

HBNC

Horizon Bancorp price target raised to $23 from $21 at Piper Sandler

Piper Sandler raised the firm’s price target on Horizon Bancorp (HBNC) to $23 from $21 and keeps a...

14d ago

HBNC

Horizon Bancorp reports Q2 EPS 49c, consensus 51c

Reports Q2 tangible book value per share $11.06. Reports Q2 CET1 capital ratio 11.09%. Reports Q2 net charge-offs...

15d ago

HBNC

Horizon Bancorp Reports Strong Second-Quarter 2026 Profitability

Horizon Bancorp ( ($HBNC) ) has issued an update. On July 22, 2026, Horizon Bancorp reported unaudited results...

15d ago

HBNC

Horizon Bancorp (HBNC) Q2 Earnings Cheat Sheet

Horizon Bancorp (HBNC) is scheduled to report 2nd quarter earnings on 07/22/2026, after the market closes. Regarding Q2...

18d ago

HBNC

Horizon Bancorp Reserves $3 Million After Jury Verdict

The latest update is out from Horizon Bancorp ( ($HBNC) ). On June 24, 2026, a jury returned...

1M ago

HBNC

Horizon Bancorp Declares Quarterly Cash Dividend to Shareholders

The latest update is out from Horizon Bancorp ( ($HBNC) ). On June 16, 2026, Horizon Bancorp, Inc.’s...

2M ago

HBNC

Horizon Bancorp Shareholders Approve Directors, Pay and Auditor

Horizon Bancorp ( ($HBNC) ) has shared an update. On May 7, 2026, Horizon Bancorp, Inc. held its...

3M ago

HBNC

Horizon Bancorp price target lowered to $21 from $22 at Piper Sandler

Piper Sandler analyst Nathan Race lowered the firm’s price target on Horizon Bancorp (HBNC) to $21 from $22...

3M ago

HBNC

Horizon Bancorp Earnings Call Highlights Profitable Growth

Horizon Bancorp (($HBNC)) has held its Q1 earnings call. Read on for the main highlights of the call....

3M ago

HBNC

Horizon Bancorp Reports Strong First Quarter 2026 Results

An update from Horizon Bancorp ( ($HBNC) ) is now available. Horizon Bancorp, Inc. on April 22, 2026...

4M ago

HBNC

Horizon Bancorp reports Q1 EPS 51c, consensus 48c

Reports Q1 CET1 capital ratio 10.82%. Reports Q1 tangible book value per share $10.52. Reports Q1 net charge-offs...

4M ago

HBNC

HBNC Upcoming Earnings Report: What to Expect?

Horizon Bancorp (HBNC) is scheduled to report 1st quarter earnings on 04/22/2026, after the market closes. Regarding Q1...

4M ago

HBNC

Horizon Bancorp assumed with an Overweight at Stephens

Stephens analyst Brandon Rud assumed coverage of Horizon Bancorp (HBNC) with an Overweight rating and $20 price target...

4M ago

HBNC

4WC FAQ

What was Horizon Bancorp [In]’s price range in the past 12 months?

Horizon Bancorp [In] lowest stock price was €12.60 and its highest was €18.70 in the past 12 months.

What is Horizon Bancorp [In]’s market cap?

Horizon Bancorp [In]’s market cap is €910.20M.

When is Horizon Bancorp [In]’s upcoming earnings report date?

Horizon Bancorp [In]’s upcoming earnings report date is Oct 28, 2026 which is in 82 days.

How were Horizon Bancorp [In]’s earnings last quarter?

Horizon Bancorp [In] released its earnings results on Jul 22, 2026. The company reported €0.475 earnings per share for the quarter, beating the consensus estimate of €0.448 by €0.026.

Is Horizon Bancorp [In] overvalued?

According to Wall Street analysts Horizon Bancorp [In]’s price is currently Undervalued. Get more investment ideas with TipRanks Premium

Does Horizon Bancorp [In] pay dividends?

Horizon Bancorp [In] does not currently pay dividends.

What is Horizon Bancorp [In]’s EPS estimate?

Horizon Bancorp [In]’s EPS estimate is 0.47.

How many shares outstanding does Horizon Bancorp [In] have?

Horizon Bancorp [In] has 51,329,765 shares outstanding.

What happened to Horizon Bancorp [In]’s price movement after its last earnings report?

Horizon Bancorp [In] reported an EPS of €0.475 in its last earnings report, beating expectations of €0.448. Following the earnings report the stock price went down -11.561%.

Which hedge fund is a major shareholder of Horizon Bancorp [In]?

Currently, no hedge funds are holding shares in DE:4WC

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Horizon Bancorp Stock Smart Score

Underperform

Fundamentals

Return on Equity

3.22%

Trailing 12-Months

Asset Growth

-14.09%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

Horizon Bancorp [In]

Horizon Bancorp, Inc. acts as the parent organization for Horizon Bank, overseeing the delivery of a full spectrum of commercial and retail banking services. The company provides a variety of deposit options and extends diverse loan products, including commercial, residential real estate, specialized mortgage warehouse, and consumer credit facilities. Furthermore, it offers corporate and individual trust and agency services, investment management, and real estate investment trust (REIT) solutions, alongside a selection of insurance offerings. With a footprint of 78 full-service branch locations, Horizon Bancorp serves customers across northern and central Indiana, and southern and central Michigan. This organization, which was founded in 1873, maintains its principal office in Michigan City, Indiana.

Horizon Bancorp (4WC) Earnings & Revenues

Historic Earnings Reports

4WC Company Deck

4WC Earnings Call

Q2 2026

0:00 / 0:00

Earnings Call Sentiment|Positive

The call conveyed a predominantly positive tone: strong profitability (ROA and ROTCE), improved capital (CET1 +40 bps), exceptional deposit gathering, disciplined loan growth with supportive credit metrics, and reiterated 2026 guidance. The few negatives — tactical mortgage/consumer pullback, a small NIM drag from elevated cash, modestly higher nonperforming loans, and expected near-term expense/deposit-cost pressures — are relatively limited and described as manageable. Overall the company's messaging emphasized durable franchise strength, capital optionality and confidence in executing the 2026 plan.View all DE:4WC earnings summaries

4WC Stock 12 Month Forecast

Average Price Target

€19.98

▲(18.93% Upside)

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Detailed Analyst Forecast >