Financial Services
Horizon Bancorp, Inc.(HBNC)
Live Price
Offline$19.34
+0.47% today
1Y Change
+29.02%
Window
Jun 25, 2025 โ Jun 16, 2026
- Market Cap
- $930.00M
- Revenue Growth
- -71.0%
- EPS Growth
- -487.7%
- Dividend Yield
- 3.5%
Coverage: 245 bars ยท Jun 25, 2025 โ Jun 16, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Horizon Bancorp, Inc. (HBNC) is a Financial Services stock with a market cap of $930.00M and listed on NASDAQ. The stock last traded around $19.34 and up 29.0% across the available one-year price window (Jun 25, 2025 โ Jun 16, 2026). Baseline metrics include revenue growth of -71.0%, EPS growth of -487.7%, a dividend yield of 3.5%. What stands out right now is revenue -71.0%, EPS -487.7%, free cash flow +3143.4% with operating margin -203.2% and ROIC -2.2%. The dividend matters to the case here, with a current yield around 3.5%. Valuation already assumes a fairly strong business story at price/sales 9.7. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines HBNC price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-71.0% vs +3.4% peer median
Operating Margin
Below sector median
-203.2% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 22, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -71.0% and EPS is at -487.7%, with operating margin around -203.2%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 3.5%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -1.4% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 22, 2026 | โ | +1.4% | +2.1% | +4.4% |
2026 Jan 21, 2026 | +6.0% | +2.1% | -5.4% | -1.6% |
2025 Oct 22, 2025 | -34.8% | -2.3% | -0.7% | -1.4% |
Benchmark Edge
HBNC vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
HBNC
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
HBNC Max Drawdown
-16.65%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for HBNC and SPY.
Company Overview
Horizon Bancorp, Inc.
NASDAQ Global Select
Horizon Bancorp, Inc. operates as the bank holding company for Horizon Bank that provides a range of commercial and retail banking services. The company offers various deposits. It also provides commercial, residential real estate, mortgage warehouse, and consumer loans. In addition, the company offers corporate and individual trust and agency, investment management, and real estate investment trust services; and sells various insurance products. It operates through a network of 78 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.
- Leadership
- Thomas Prame
- IPO Date
- Jan 9, 2002
- Employees
- 841
- Street Address
- 515 Franklin Street
- Mailing
- Michigan City, IN, 46360
- Region
- Michigan City, IN, US
- Reporting Currency
- USD
- Investor Line
- 219 879 0211
- Last Updated
- Apr 29, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- โ
- EV/EBITDA
- โ
- Price/Sales
- 9.7
- Price/Book
- 1.3
Growth
- Revenue
- -71.0%
- EPS
- -487.7%
- Free Cash Flow
- +3143.4%
Profitability
- Gross Margin
- -25.0%
- Operating Margin
- -203.2%
- Net Margin
- -154.3%
- ROE
- -20.9%
- ROIC
- -2.2%
Balance Sheet
- Debt/Equity
- 0.55
- Current Ratio
- 1.48
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.