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Upturn AI SWOT - About
HBNC 
Horizon Bancorp (HBNC)
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Upturn Advisory Summary
10/14/2025: HBNC (1-star) is a SELL. SELL since 3 days. Simulated Profits (-5.76%). Updated daily EoD!
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 $19.1
1 Year Target Price $19.1
| 3 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -20.41% | Avg. Invested days 28 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 781.86M USD | Price to earnings Ratio 13.04 | 1Y Target Price 19.1 |
Price to earnings Ratio 13.04 | 1Y Target Price 19.1 | ||
Volume (30-day avg) 6 | Beta 0.82 | 52 Weeks Range 12.45 - 18.40 | Updated Date 10/14/2025 |
52 Weeks Range 12.45 - 18.40 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 4.26% | Basic EPS (TTM) 1.17 |
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate 0.48 | 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 13.04 | Forward PE 11.05 | Enterprise Value 1623305856 | Price to Sales(TTM) 3.7 |
Enterprise Value 1623305856 | Price to Sales(TTM) 3.7 | ||
Enterprise Value to Revenue 8.93 | Enterprise Value to EBITDA - | Shares Outstanding 51235941 | Shares Floating 42819493 |
Shares Outstanding 51235941 | Shares Floating 42819493 | ||
Percent Insiders 2.15 | Percent Institutions 62.27 |
Upturn AI SWOT
Horizon Bancorp
Company Overview
History and Background
Horizon Bancorp, Inc. was founded in 1873 as a community bank. It has grown through organic expansion and strategic acquisitions, evolving into a regional bank serving northern and central Indiana and southwest and central Michigan. Throughout its history, it has focused on providing traditional banking services and building relationships within its communities.
Core Business Areas
- Community Banking: Offers a range of banking services to individuals and small businesses, including deposit accounts, loans, and other financial products.
- Commercial Banking: Provides lending and deposit services to larger commercial clients, focusing on business financing and treasury management.
- Wealth Management: Offers investment and financial planning services to individuals and families.
Leadership and Structure
Horizon Bancorp is led by Craig Dwight (Chairman and CEO) and has a board of directors overseeing its operations. The organizational structure includes various departments responsible for different aspects of banking, such as lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes, such as equipment financing and working capital. Market share data for specific products is not publicly available. Competitors include larger regional and national banks like JP Morgan Chase, Bank of America and smaller community banks in their operating regions. Revenue from Commercial loans will vary.
- Residential Mortgages: Mortgages offered to individuals for purchasing homes. Market share data is not publicly available at a detailed level for Horizon Bancorp. Competitors are Rocket Mortgage, United Wholesale Mortgage, JP Morgan Chase, Wells Fargo, Bank of America and local mortgage lenders. Revenue varies widely.
- Deposit Accounts: Checking, savings, and money market accounts offered to individuals and businesses. Market share data is not publicly available. Competitors include: Chase, Bank of America, Wells Fargo and local Credit Unions. Revenue comes from fees and maintaining relationships.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges and opportunities including rising interest rates, increased competition from fintech companies, and evolving customer expectations.
Positioning
Horizon Bancorp positions itself as a community-focused bank that emphasizes relationship banking and personalized service. Their competitive advantages include local expertise and a strong understanding of the communities they serve.
Total Addressable Market (TAM)
The total addressable market for banking services in Horizon Bancorp's operating regions is substantial, encompassing individuals, small businesses, and larger commercial enterprises. Horizon Bancorp is positioned to capture a portion of this market through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Solid financial performance
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on traditional banking model
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Strategic acquisitions
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BOH
- HBNC
- MBWM
- CFSB
- FNWB
- CLPR
- CRAI
Competitive Landscape
Horizon Bancorp faces competition from larger regional and national banks, as well as smaller community banks and credit unions. Its advantages include local expertise and a strong customer relationships, while its disadvantages include its smaller scale.
Major Acquisitions
Salin Bank and Trust Company
- Year: 2018
- Acquisition Price (USD millions): 127.5
- Strategic Rationale: Expanded Horizon Bancorp's presence in central Indiana.
Growth Trajectory and Initiatives
Historical Growth: Historical growth patterns show a steady increase in assets and revenue driven by organic expansion and acquisitions.
Future Projections: Future growth projections are not available without specific financial data, but analysts expect continued growth.
Recent Initiatives: Recent initiatives include investments in digital banking technologies and expansion into new markets.
Summary
Horizon Bancorp is a financially sound community bank with a strong local presence. Its focus on relationship banking and personalized service has contributed to its steady growth. The bank faces challenges from larger competitors and fintech companies, but its strategic initiatives and community focus should help it maintain its position. Investing in digital technologies is crucial for future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Analyst reports
- Market data providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor. Market share data is estimates and may not be precise.
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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