Horizon Bancorp (HBNC)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 20.50 $ — 97% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
1 of 10 Weak growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years -28.1% failed
- More than 10% revenue growth is expected for the coming year 5.4% failed
- Share count grows by less than 3% a year 5.5% failed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 1.0% failed
- Gross margin at 40% or higher and without meaningful erosion -29.5% failed
- Goodwill from acquisitions does not grow faster than revenue 2.4% failed
- Net debt below twice EBITDA failed
- Operating cash flow covers the profits of the last three years 262 m passed
- Return on capital at 15% or higher, or up versus two years ago -3.1% failed
- Insiders hold at least 10% or are net buyers 2.2% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 11.7% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 6
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 2.13 | 2.10 – 2.15 | 308 | -32.7% | 5 |
| 12/31/2027 | 2.23 | 2.20 – 2.29 | 324 | 4.9% | 5 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.54 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | -0.25 | – | 63 | 2.30 | -17.20 | -48 | -50 |
| 2025: Q1 | 0.54 | 70.80 | 105 | 11.10 | 22.80 | 15 | 14 |
| 2025: Q2 | 0.47 | 45.80 | 101 | 4.90 | 20.40 | 20 | 18 |
| 2025: Q3 | -4.69 | -1,238.50 | -204 | -301.00 | – | 11 | 9 |
| 2025: Q4 | 0.53 | – | 101 | 59.60 | 26.70 | 34 | 33 |
| 2026: Q1 | 0.51 | -6.30 | 98 | -6.80 | 26.70 | 21 | 21 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 136 | 33 | 24 | 0.79 | 26 | 341 | 3,141 |
| 2017 | 157 | 48 | 33 | 0.95 | 49 | 457 | 3,964 |
| 2018 | 194 | 64 | 53 | 1.38 | 72 | 492 | 4,247 |
| 2019 | 243 | 80 | 67 | 1.53 | 175 | 656 | 5,244 |
| 2020 | 254 | 78 | 69 | 1.55 | 79 | 692 | 5,887 |
| 2021 | 247 | 102 | 87 | 1.98 | 105 | 723 | 7,412 |
| 2022 | 278 | 106 | 93 | 2.14 | 94 | 677 | 7,873 |
| 2023 | 220 | 39 | 28 | 0.64 | 89 | 719 | 7,931 |
| 2024 | 355 | 27 | 35 | 0.80 | 6 | 764 | 7,801 |
| 2025 | 103 | -200 | -150 | -2.93 | 79 | 688 | 6,437 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Horizon Bancorp, Inc. ist die Bankholding der Horizon Bank, die Privat- und Firmenkunden in Indiana und Michigan in den USA Geschäfts- und Privatkundenbankdienstleistungen anbietet.
| CEO Insider Trades (12 Mo.) | buying own stock |
|---|---|
| Employees | 465 |
| Headquarters | Michigan City, IN |
| Address | 515 Franklin Street, 46360 Michigan City, United States |
| Phone | 219 879 0211 |
| Website | horizonbank.com |
| IPO Date | 17. Dec 2001 |
| ISIN | US4404071049 |
| Stock Split | 3:2 on 06/18/2018 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Thomas M. Prame | CEO, President & Director | 1970 |
| John R. Stewart C.F.A. | CFO & Executive VP | 1981 |
| Kathie A. DeRuiter | Executive VP & Senior Operations Officer | 1962 |
| Lynn M. Kerber | Executive VP & Chief Commercial Banking Officer | 1969 |
| Todd A. Etzler | Executive VP, Chief Legal and Risk Officer & Corporate Secretary | 1967 |
| Amy Phares | Assistant VP of Public Relations & Social Media Manager | – |
| John D. Hatfield | SVP & Director of Marketing | – |
| Pamela L. Zarazee | Senior Vice President & Director of Human Resources | – |
| Dennis J. Kuhn | Regional President for Southwest Michigan | 1960 |
| Scott T. Kosik | Senior Vice President & Director of Digital Banking | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 27. Jul 2026 | DeRuiter Kathie A | Executive Vice President | Sell | 8,000 | 20.19 | 161,520 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.