Horizon Bancorp, Inc. (HBNC)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 220 | 228 | 242 | 183 | 187 | -30 | -14 | - |
| Operating profit | $m | -200 | -189 | ||||||
| Net profit | $m | 68 | 87 | 93 | 28 | 35 | -150 | -144 | 109 |
| EPS reported | $ | -3.15 | -3.16 | ||||||
| Operating cashflow per share | $ | 1.55 | 1.93 | ||||||
| Capex per share | $ | 0.10 | 0.05 | ||||||
| FCF per share | $ | 1.46 | 1.88 | ||||||
| Free cash flow | $m | 74 | 96 | ||||||
| Net debt | $m | 334 | -741 | ||||||
| Book value equity | $m | 688 | 726 | ||||||
| Book value per share | $ | 13.42 | 14.15 | ||||||
| Number of shares | m | 51.28 | 51.3 | ||||||
| DPS (TTM paid) | $ | 0.64 | 0.80 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | - | - | ||||||
| P/B LTM | x | 1.26 | 1.19 | ||||||
| P/S LTM | x | -28.70 | -60.63 | ||||||
| P/FCF LTM | x | 11.64 | 9.00 | ||||||
| EV/EBITDA LTM | x | -6.41 | -6.70 | ||||||
| EV/Sales LTM | x | 11.65 | 12.75 | ||||||
| Earnings Yield LTM | % | -17.41% | -13.70% | ||||||
| FCF Yield | % | +8.59% | +11.11% | ||||||
| Quality | |||||||||
| ROE | % | -21.86% | -20.76% | ||||||
| ROIC | % | -41.97% | -12.27% | ||||||
| Operating margin | % | -1.93% | -1.98% | ||||||
| Gross margin | % | -29.46% | -12.57% | ||||||
| FCF/Sales | % | +71.99% | +100.62% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | - | - | ||||||
| Sales Growth YoY | % | - | - | ||||||
| Net Income Growth YoY | % | - | - | ||||||
| FCF Growth | % | +5684.7% | +7378.2% | ||||||
| Operating Profit Growth | % | - | - | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.41% | +3.11% | ||||||
| Dividend Growth | % | 0.00% | +25.00% | ||||||
| Payout Ratio | % | -18.26% | -19.97% | ||||||
| FCF/Debt | x | 0.18 | 0.25 | ||||||
| Net Debt/EBITDA | x | -1.80 | -0.90 | ||||||
| EBIT/Net interest | x | -1.50 | -1.72 | ||||||
| Net debt/market cap | % | +46.79% | +35.90% | ||||||
| Net debt/Equity | x | 0.48 | -1.02 | ||||||
| Gross debt/equity | x | 0.59 | 0.52 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Horizon Bancorp, Inc. (HBNC)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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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