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Upturn AI SWOT - About
HBNC 
Horizon Bancorp (HBNC)
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Upturn Advisory Summary
08/13/2025: HBNC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $18.6
1 Year Target Price $18.6
| 3 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -14.94% | Avg. Invested days 24 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/13/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 700.39M USD | Price to earnings Ratio 15.68 | 1Y Target Price 18.6 |
Price to earnings Ratio 15.68 | 1Y Target Price 18.6 | ||
Volume (30-day avg) 6 | Beta 0.88 | 52 Weeks Range 12.58 - 18.58 | Updated Date 08/13/2025 |
52 Weeks Range 12.58 - 18.58 | Updated Date 08/13/2025 | ||
Dividends yield (FY) 4.18% | Basic EPS (TTM) 1.02 |
Earnings Date
Report Date 2025-07-22 | When Before Market | Estimate 0.44 | Actual 0.47 |
Profitability
Profit Margin 24.52% | Operating Margin (TTM) 41.41% |
Management Effectiveness
Return on Assets (TTM) 0.67% | Return on Equity (TTM) 6.84% |
Valuation
Trailing PE 15.68 | Forward PE 11.05 | Enterprise Value 1651284096 | Price to Sales(TTM) 3.31 |
Enterprise Value 1651284096 | Price to Sales(TTM) 3.31 | ||
Enterprise Value to Revenue 8.38 | Enterprise Value to EBITDA - | Shares Outstanding 43801500 | Shares Floating 42295611 |
Shares Outstanding 43801500 | Shares Floating 42295611 | ||
Percent Insiders 2.53 | Percent Institutions 73.18 |
Upturn AI SWOT
Horizon Bancorp
Company Overview
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.
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 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
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
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
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.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://www.horizonbank.com |
Full time employees 841 | Website https://www.horizonbank.com | ||
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.
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