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Horizon Bancorp (HBNC)

Upturn stock ratingUpturn stock rating
$16.88
Last Close (24-hour delay)
Profit since last BUY4.71%
upturn advisory
Consider higher Upturn Star rating
BUY since 41 days
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  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
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Upturn Advisory Summary

08/28/2025: HBNC (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

6 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $18.5

1 Year Target Price $18.5

Analysts Price Target For last 52 week
$18.5 Target price
52w Low $12.58
Current$16.88
52w High $18.58

Analysis of Past Performance

Type Stock
Historic Profit -11.64%
Avg. Invested days 25
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/28/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 864.86M USD
Price to earnings Ratio 14.43
1Y Target Price 18.5
Price to earnings Ratio 14.43
1Y Target Price 18.5
Volume (30-day avg) 6
Beta 0.88
52 Weeks Range 12.58 - 18.58
Updated Date 08/29/2025
52 Weeks Range 12.58 - 18.58
Updated Date 08/29/2025
Dividends yield (FY) 3.86%
Basic EPS (TTM) 1.17

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 24.52%
Operating Margin (TTM) 41.42%

Management Effectiveness

Return on Assets (TTM) 0.67%
Return on Equity (TTM) 6.84%

Valuation

Trailing PE 14.43
Forward PE 11.05
Enterprise Value 1694744448
Price to Sales(TTM) 4.09
Enterprise Value 1694744448
Price to Sales(TTM) 4.09
Enterprise Value to Revenue 9.16
Enterprise Value to EBITDA -
Shares Outstanding 51235900
Shares Floating 42819493
Shares Outstanding 51235900
Shares Floating 42819493
Percent Insiders 2.15
Percent Institutions 62.24

ai summary icon Upturn AI SWOT

Horizon Bancorp

stock logo

Company Overview

overview logo History and Background

Horizon Bancorp was founded in 1873 and is headquartered in Michigan City, Indiana. It has grown through organic expansion and strategic acquisitions, evolving into a regional bank holding company serving northern and central Indiana, southern Michigan, and central Ohio.

business area logo Core Business Areas

  • Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate loans, equipment financing, and lines of credit.
  • Retail Banking: Provides deposit accounts, mortgages, consumer loans, and other financial services to individuals and families.
  • Wealth Management: Offers trust, investment management, and financial planning services.

leadership logo Leadership and Structure

Craig M. Dwight serves as the Chairman and Chief Executive Officer. The organizational structure includes executive leadership overseeing various business lines and support functions.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Real Estate Loans: Provide financing for commercial properties. Market share data not publicly available. Competitors include larger national and regional banks like JPMorgan Chase and Fifth Third Bank.
  • Residential Mortgages: Offers mortgage products for homebuyers. Market share data not publicly available. Competitors include national mortgage lenders like Rocket Mortgage and local credit unions.
  • Small Business Loans: Provide lending to small businesses. Market share data not publicly available. Competitors include other regional banks and online lenders like Kabbage.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently characterized by increasing competition, regulatory changes, and evolving customer expectations driven by technology. Interest rate fluctuations also significantly impact profitability.

Positioning

Horizon Bancorp is a regional bank focusing on community banking and relationship-based services. Its competitive advantages include local market knowledge and personalized customer service.

Total Addressable Market (TAM)

The total addressable market for banking services in Horizon Bancorp's operating region is estimated to be in the billions of dollars. Horizon is positioned to capture a portion of this market through its community-focused approach.

Upturn SWOT Analysis

Strengths

  • Strong regional presence
  • Relationship-based banking model
  • Experienced management team
  • Solid asset quality

Weaknesses

  • Limited geographic diversification
  • Smaller scale compared to larger competitors
  • Reliance on traditional banking model
  • Higher cost structure than peers

Opportunities

  • Expansion into new markets
  • Adoption of digital banking technologies
  • Strategic acquisitions
  • Increased demand for financial services

Threats

  • Increased competition from larger banks and fintech companies
  • Regulatory changes
  • Economic downturn
  • Rising interest rates

Competitors and Market Share

competitor logo Key Competitors

  • HBNC
  • KEY
  • TCBI
  • CMA
  • MBWM

Competitive Landscape

Horizon Bancorp faces competition from larger national and regional banks, as well as smaller community banks and credit unions. Its advantages lie in its local market knowledge and customer service. Its disadvantages include its smaller scale and limited geographic diversification.

Growth Trajectory and Initiatives

Historical Growth: Historical growth information would require up-to-date financial information. Please refer to current financials available to the public.

Future Projections: Future growth projections would require up-to-date analyst estimates. Please refer to current financials available to the public.

Recent Initiatives: Recent initiatives may include digital banking upgrades, branch expansions, or acquisition strategies.

Summary

Horizon Bancorp is a regional bank with a strong community focus. It benefits from its local market knowledge and customer relationships. However, it faces competition from larger players and needs to adapt to the changing banking landscape by investing in technology and expanding its reach. Financial information is delayed, which makes a true picture hard to determine.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Website
  • SEC Filings
  • Industry Reports
  • Analyst Estimates (where available)

Disclaimers:

The data provided is based on available information and is subject to change. Market share data is based on estimates and may not be precise. Financial information is delayed.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Horizon Bancorp

Exchange NASDAQ
Headquaters Michigan City, IN, United States
IPO Launch date 2001-12-17
CEO, President & Director Mr. Thomas M. Prame
Sector Financial Services
Industry Banks - Regional
Full time employees 841
Full time employees 841

Horizon Bancorp, Inc. operates as the bank holding company for Horizon Bank that engages in the provision of commercial and retail banking services. The company offers checking, saving, money market, certificate of deposits, and time deposits, as well as non-interest- and interest-bearing demand deposits. It also provides commercial, residential real estate, mortgage warehouse Loans, consumer loans, land and home equity, auto, and agriculture loans. In addition, the company offers corporate and individual trust and agency, investment management, and real estate investment trust services; debit and credit cards; treasury management; trust and wealth management services; retirement plans; and sells various insurance products. It operates through full-service offices in northern and central Indiana and southern and central Michigan. Horizon Bancorp, Inc. was founded in 1873 and is headquartered in Michigan City, Indiana.