Horizon Bancorp [In] (DE:4WC)
FRANKFURT:4WC
4WC Stock Chart & Stats
€14.70
€0.00(0.00%)
At close: 4:00 PM EST
€14.70
€0.00(0.00%)
Day’s Range― - ―
52-Week Range€12.20 - €16.70
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€874.10M
Enterprise Value€1.27B
Total Cash (Recent Filing)€68.35M
Total Debt (Recent Filing)€381.83M
Price to Earnings (P/E)―
Beta0.71
Next Earnings
Jul 29, 2026EPS Estimate
0.43Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-3.18
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
€17.91Price Target Upside21.83% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)1.79
Revenue Forecast (FY)€263.32M
Bulls Say, Bears Say
Bulls Say
Exceptional Deposit GatheringLarge, low‑cost deposit inflows materially strengthen funding stability and liquidity. Over 2–6 months this supports loan growth without costly wholesale funding, cushions margin pressure, and gives management runway to deploy assets or reduce expensive liabilities while preserving pricing discipline.
Capital Accretion And Improved CET1Measured capital improvement increases loss-absorption capacity and strategic optionality. Sustained CET1 gains allow continued dividend payments, moderate buybacks or measured loan growth while maintaining regulatory buffers and support long-term franchise resilience amid cyclical stress.
Positive Operating And Free Cash FlowRobust cash generation despite reported earnings volatility indicates core banking cash fundamentals are intact. Positive FCF funds capital needs, dividends, and loan origination without reliance on external financing, improving financial flexibility across economic cycles.
Bears Say
Recent Net Losses And Weak MarginsA sustained swing to net losses and compressed margins undermines return generation and erodes retained earnings, constraining internal capital formation. If earnings do not re-stabilize, the bank may face tougher choices on growth, dividends, or capital actions over the next several quarters.
Contracting Assets And Negative ROEShrinking assets and negative ROE suggest the franchise is scaling back activity or losing revenue-generating capacity. Reduced balance‑sheet scale can raise fixed-cost leverage, hurt net interest income potential, and make it harder to restore durable profitability without re-expansion.
Modest Rise In Nonperforming LoansA rising NPL trend, even from low levels, increases provisioning needs and can pressure net income and capital if it continues. Persistent credit deterioration would raise cost of risk and limit the bank’s ability to expand lending or maintain shareholder distributions over the medium term.
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 €12.20 and its highest was €16.70 in the past 12 months.
What is Horizon Bancorp [In]’s market cap?
Horizon Bancorp [In]’s market cap is €874.10M.
When is Horizon Bancorp [In]’s upcoming earnings report date?
Horizon Bancorp [In]’s upcoming earnings report date is Jul 29, 2026 which is in 43 days.
How were Horizon Bancorp [In]’s earnings last quarter?
Horizon Bancorp [In] released its earnings results on Apr 22, 2026. The company reported €0.433 earnings per share for the quarter, beating the consensus estimate of €0.407 by €0.025.
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 0.43.
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 €0.433 in its last earnings report, beating expectations of €0.407. Following the earnings report the stock price went up 1.389%.
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
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
€17.91 (21.83% Upside)
€17.91 (21.83% Upside)
Blogger Sentiment
Bullish
DE:4WC Sentiment 100%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth €20.7K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
16.50%
12-Months-Change
Fundamentals
Return on Equity
-20.89%
Trailing 12-Months
Asset Growth
-13.95%
Trailing 12-Months
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
Q1 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 summaries4WC Stock 12 Month Forecast
Average Price Target
€17.91
▲(21.83% Upside)
Technical Analysis
Capitol Federal Financial
―
Central Pacific Financial
―
Heritage Financial
―
Amalgamated Bank
―
Amerant Bancorp
―
Options Prices
Currently, No data available
---