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HORIZON BANCORP INC/IN

HBNCNASDAQ
🏆 #2486 by market capEarnings Oct 28US Equity
$310.25▲ $14.86 (+4.79%)
Simulated price
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24h▲ 4.8%
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🏦Market Cap
$990M
Small Cap
📈Revenue Growth (YoY)
-71.0%
Declining
📊Gross Margin
-12.6%
Thin
💵FCF Margin
100.6%
Strong
⚖️P/S Ratio
10.4x
Elevated
Otter Score
48
Weak
No chart data available for HBNC.

Trading Snapshot

Day Range
$308.02 – $311.60
52-Week Range
$14.97 – $21.04
Volume
$1.57B
Avg Volume
$1.78B
Shares Outstanding
51.3M
Next Earnings
Nov 6, 2026

Fundamentals Snapshot

Annual Revenue
$103M
Last Q Revenue
$101M
P/E Ratio
-6.1
P/S Ratio
10.4x
EPS (TTM)
$-2.82
Dividend Yield
3.32%
Dilution (1yr)
+17.3%

Why Investors Own HBNC

  • ✓High-growth profile — revenue up +24.1% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 41% gross margin and 21% free-cash-flow margin.
  • ✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

HBNC logo

HORIZON BANCORP INC/IN

HBNC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$103M▼ −71.0% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
-29.5%▼ −157.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
−$200M▼ −829.5% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$74M▲ +5684.7% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
51.3M▲ +17.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
−$338M▲ +$714M YoY
StockOtter · stockotter.space

About HORIZON BANCORP INC/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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Weak
48/100

Analyst Price Target

ⓘ
Average Target
$343.85
▲ +10.8% Upside
High Target$424.85
Low Target$298.26
Based on 13 analysts

Latest News & Updates

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Reuters·2h ago

HORIZON BANCORP INC/IN tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

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Barron’s·5h ago

Analysts lift HBNC price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

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Reuters·1d ago

HORIZON BANCORP INC/IN announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.