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HBNC Stock Chart & Stats
$19.53
$0.17(0.85%)
At close: 4:00 PM EDT
$19.53
$0.17(0.85%)
Day’s Range― - ―
52-Week Range$14.97 - $21.04
Previous CloseN/A
Volume167.71K
Average Volume (3M)572.43K
Market Cap
$1.01B
Enterprise Value$1.33K
Total Cash (Recent Filing)$1.12B
Total Debt (Recent Filing)$379.09M
Price to Earnings (P/E)―
Beta0.92
Next Earnings
Oct 28, 2026EPS Estimate
0.54Next Dividend Ex-DateN/A
Dividend Yield3.25%
Share Statistics
EPS (TTM)-3.16
Shares Outstanding51,344,520
10 Day Avg. Volume443,720
30 Day Avg. Volume572,431
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit>-0.01
Enterprise Value/Ebitda>-0.01
Forecast
1Y Price Target
$23.00Price Target Upside17.77% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.12
Revenue Forecast (FY)$309.04M
Bulls Say, Bears Say
Bulls Say
Loan, Deposit And Margin GrowthBroad-based loan and deposit growth, combined with stable funding costs and a 4.37% NIM, supports recurring net interest income. Management’s mid-single-digit growth outlook suggests the core franchise can expand while preserving spread economics.
Strong Credit QualityVery low charge-offs, declining nonperforming loans and low early-stage delinquencies indicate disciplined underwriting and limited current credit stress. Sustained asset quality reduces provision risk and helps protect capital and earnings through the cycle.
Improving Capital And Risk OversightHigher CET1 provides greater resilience and flexibility to support organic growth, while the new directors strengthen oversight in cybersecurity, enterprise risk and banking strategy. These capabilities are durable supports for controlled expansion.
Bears Say
Severe Recent Profitability DeteriorationThe sharp TTM revenue decline and deeply negative margin show that recent earnings power has been materially impaired. Although the latest quarter improved, the bank must sustain recovery for several periods before profitability normalization is established.
Litigation And Legacy Business RiskThe legal reserve is contained and tied to a legacy indirect-auto matter, but it demonstrates potential tail risk from discontinued activities. Additional costs or prolonged appeal proceedings could weigh on capital generation and management focus.
Funding And Commercial Lending PressureAggressive pricing competition can compress loan spreads and raise funding costs, while CRE payoffs limit growth. A few larger commercial nonperformers add uncertainty around future provisions, even though overall credit metrics remain strong.
Horizon Bancorp News
HBNC FAQ
What was Horizon Bancorp [In]’s price range in the past 12 months?
Horizon Bancorp [In] lowest stock price was $14.97 and its highest was $21.04 in the past 12 months.
What is Horizon Bancorp [In]’s market cap?
Horizon Bancorp [In]’s market cap is $1.01B.
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 53 days.
How were Horizon Bancorp [In]’s earnings last quarter?
Horizon Bancorp [In] released its earnings results on Jul 22, 2026. The company reported $0.54 earnings per share for the quarter, beating the consensus estimate of $0.51 by $0.03.
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] pays a Quarterly dividend of $0.16 which represents an annual dividend yield of 3.25%. See more information on Horizon Bancorp [In] dividends here
What is Horizon Bancorp [In]’s EPS estimate?
Horizon Bancorp [In]’s EPS estimate is 0.54.
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 $0.54 in its last earnings report, beating expectations of $0.51. Following the earnings report the stock price went down -0.792%.
Which hedge fund is a major shareholder of Horizon Bancorp [In]?
Currently, no hedge funds are holding shares in HBNC
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
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Analyst Consensus
Moderate Buy
Average Price Target:
$23.00 (17.77% Upside)
$23.00 (17.77% Upside)
Blogger Sentiment
Bullish
HBNC Sentiment 67%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 45.7K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $161.5K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
22.66%
12-Months-Change
Fundamentals
Return on Equity
3.25%
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.
HBNC Company Deck
HBNC 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 HBNC earnings summariesHBNC Stock 12 Month Forecast
Average Price Target
$23.00
▲(17.77% Upside)
Technical Analysis
Capitol Federal Financial
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Central Pacific Financial
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Heritage Financial
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Amalgamated Bank
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Amerant Bancorp
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Ownership Overview
1.00% Insiders
16.58% Mutual Funds
21.53% Other Institutional Investors
47.36% Public Companies and
Individual Investors