4WC Stock Chart & Stats
€15.20
€1.50(9.80%)
At close: 4:00 PM EDT
€15.20
€1.50(9.80%)
Day’s Range― - ―
52-Week Range€12.60 - €17.80
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€871.03M
Enterprise Value€1.33K
Total Cash (Recent Filing)€1.12B
Total Debt (Recent Filing)€379.09M
Price to Earnings (P/E)―
Beta0.75
Next Earnings
Oct 28, 2026EPS Estimate
0.46Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-3.16
Shares Outstanding51,344,520
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
€19.94Price Target Upside31.21% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.84
Revenue Forecast (FY)€268.48M
Bulls Say, Bears Say
Bulls Say
Loan And Deposit GrowthBroad loan and deposit growth supports Horizon’s core banking franchise by expanding earning assets while strengthening its funding base. Commercial lending momentum and improving mortgage pipelines also provide a durable foundation for future net interest income and customer relationships.
Strong Credit Quality And CapitalLow credit losses and solid regulatory capital give Horizon greater resilience while it grows. The combination supports continued lending, absorbs unexpected deterioration more effectively, and preserves strategic flexibility for capital deployment or disciplined expansion.
Noninterest Income GrowthGrowth in fiduciary, mortgage, and interchange revenue broadens Horizon’s earnings mix beyond interest spreads. Expanding fee-generating businesses can improve revenue resilience and support profitability when lending margins or funding conditions become less favorable.
Bears Say
Severe Recent Profitability DeteriorationThe sharp reversal from historical profitability to deep TTM losses indicates that current earnings power is under substantial pressure. Continued weak margins could constrain internal capital generation and make the bank more sensitive to operating, credit, or funding setbacks.
Competitive Pricing And Funding PressureIntense competition can force Horizon to accept lower loan pricing or pay more for deposits, compressing the spread that drives core banking earnings. Selectively declining deals protects discipline, but may also limit growth and reduce near-term margin expansion.
Localized Commercial Credit DeteriorationAlthough overall loss experience remains low, larger commercial credits moving to nonperforming status introduce uncertainty around collections and remediation. Further deterioration could raise provisions, reduce capital accretion, and weaken the profitability of Horizon’s commercial portfolio.
Horizon Bancorp News
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 €17.80 in the past 12 months.
What is Horizon Bancorp [In]’s market cap?
Horizon Bancorp [In]’s market cap is €871.03M.
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 36 days.
How were Horizon Bancorp [In]’s earnings last quarter?
Horizon Bancorp [In] released its earnings results on Jul 22, 2026. The company reported €0.466 earnings per share for the quarter, beating the consensus estimate of €0.441 by €0.026.
Is Horizon Bancorp [In] overvalued?
According to Wall Street analysts Horizon Bancorp [In]’s price is currently Undervalued.
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 0.46.
How many shares outstanding does Horizon Bancorp [In] have?
Horizon Bancorp [In] has 51,344,520 shares outstanding.
What happened to Horizon Bancorp [In]’s price movement after its last earnings report?
Horizon Bancorp [In] reported an EPS of €0.466 in its last earnings report, beating expectations of €0.441. 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
Neutral
1
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9
10
Analyst Consensus
Moderate Buy
Average Price Target:
€19.94 (31.21% Upside)
€19.94 (31.21% Upside)
Blogger Sentiment
Bullish
DE:4WC Sentiment 67%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth €140.6K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
20.03%
12-Months-Change
Fundamentals
Return on Equity
3.44%
Trailing 12-Months
Asset Growth
-14.09%
Trailing 12-Months
Learn more about TipRanks Smart Score
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.
4WC Company Deck
4WC Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented multiple strong fundamentals: margin expansion, mid-single-digit loan and deposit growth, double-digit noninterest income growth, very low loss experience, and improving capital ratios (CET1 11.09%, +28 bps). Headwinds were manageable and largely episodic — a $3.1M litigation accrual, isolated CRE payoffs and a few NPAs, modest deposit cost pressure, and constrained near-term securities reinvestment pickup. Overall, positives on profitability, credit quality and capital generation materially outweigh the limited operational and market challenges discussed.View all DE:4WC earnings summaries4WC Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
€19.94
▲(31.21% Upside)
Technical Analysis
1 Day
3 Days
1 Week
1 Month
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