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Horizon Bancorp (4WC) Stock Price & Analysis

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4WC Stock Chart & Stats

€17.80€0.00(0.00%)
At close: 5:30 PM GMT+1
€7.5€10€12.5€15Nov 24Jun 1Jun 22Oct 21Jun 23
Day’s Range
EUR 17.70 - EUR 17.80
52-Week Range
EUR 12.70 - EUR 18.00
Previous Close
EUR 17.80
Volume
N/A
Average Volume (3M)
0
Market Cap
EUR 981.99M
Enterprise Value
EUR 1.21B
Total Cash (Recent Filing)
EUR 1.07B
Total Debt (Recent Filing)
EUR 330.78M
Price to Earnings (P/E)
10.0
Beta
0.86
Next Earnings
Jan 27, 2027 (Est.)
EPS Estimate
0.49
Next Dividend Ex-Date
N/A
Dividend Yield
3.05%

Bulls Say, Bears Say

Bulls Say

Strong Profitability Recovery

The sharp return to profitability, supported by strong returns on assets and tangible equity, demonstrates meaningful earnings power in the current operating model. If maintained, these returns can strengthen internal capital generation and support continued investment in Horizon’s community banking franchise.

Healthy Capital And Lower Leverage

A strong CET1 ratio and substantial total risk-based capital provide resilience against credit or earnings volatility while preserving flexibility for organic growth and capital returns. The materially lower debt-to-equity level further supports balance-sheet stability and reduces reliance on leverage to generate returns.

Broad-based Core Growth

Growth across multiple lending categories, paired with rising relationship-based core deposits, supports a durable banking franchise rather than dependence on one product or funding source. Continued mid-single-digit expansion can increase net interest income and deepen customer relationships over coming quarters.

Bears Say

Earnings Volatility

The large swing from profitability to a substantial 2025 loss shows that Horizon’s earnings profile has not yet demonstrated consistent durability through changing conditions. Such volatility can weaken confidence in future returns, complicate capital planning, and make reported improvement harder to extrapolate.

Rising Deposit Funding Costs

Higher deposit costs directly pressure the spread between asset yields and funding expenses, which is central to a regional bank’s profitability. Selective promotional pricing may support customer acquisition, but it can also limit margin expansion and raise the funding burden as balances grow.

Real Estate Concentration Pressure

Elevated commercial real estate payoffs and management’s effort to diversify away from areas near its exposure appetite indicate an ongoing portfolio concentration challenge. This may constrain loan growth in established categories and requires disciplined underwriting and balance-sheet allocation over the medium term.

Horizon Bancorp News

4WC FAQ

What was Horizon Bancorp’s price range in the past 12 months?
Horizon Bancorp lowest stock price was €12.70 and its highest was €18.00 in the past 12 months.
What is Horizon Bancorp’s market cap?
Horizon Bancorp’s market cap is €981.99M.
When is Horizon Bancorp’s upcoming earnings report date?
Horizon Bancorp’s next earnings report is estimated for Jan 27, 2027 (not yet confirmed), which is in 82 days.
How were Horizon Bancorp’s earnings last quarter?
Horizon Bancorp released its earnings results on Oct 21, 2026. The company reported €0.501 earnings per share for the quarter, beating the consensus estimate of €0.48 by €0.021.
Is Horizon Bancorp overvalued?
According to Wall Street analysts Horizon Bancorp’s price is currently Undervalued.
Does Horizon Bancorp pay dividends?
Horizon Bancorp does not currently pay dividends.
What is Horizon Bancorp’s EPS estimate?
Horizon Bancorp’s EPS estimate is 0.49.
How many shares outstanding does Horizon Bancorp have?
Horizon Bancorp has 51,344,520 shares outstanding.
What happened to Horizon Bancorp’s price movement after its last earnings report?
Horizon Bancorp reported an EPS of €0.501 in its last earnings report, beating expectations of €0.48. Following the earnings report the stock price went up 1.212%.
Which hedge fund is a major shareholder of Horizon Bancorp?
Hedge funds hold Horizon Bancorp shares: the largest hedge-fund position in Horizon Bancorp is 802,614,105 shares, and hedge funds decreased their holdings by 45.7K shares last quarter.
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