Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
HBNC
SellHot AirHorizon Bancorp, Inc. · Financial Services · United States · $1.0B · Avg Vol: $9M/d
COMPANY DESCRIPTION
Horizon Bancorp, Inc. is a community bank holding company operating through its subsidiary Horizon Bank, offering a comprehensive suite of financial services to individuals and businesses across Indiana and Michigan. The bank's competitive edge is rooted in its strong local presence and relationship-based banking model, fostering deep community ties and customer loyalty. Horizon Bancorp differentiates itself through personalized service and a focus on supporting the economic vitality of the regions it serves.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 241.6M | 182.8M | 187.5M | -31.3M | -11.9% | -12.4M | 307.9M | 323.9M | 20.0% |
| EPS | 1.99 | 2.14 | 0.64 | 0.81 | -3.24 | -25.9% | -3.26 | — | — | — |
| Shares | — | 43.9M | 44.1M | 43.7M | 51.0M | +16.0% | 51.3M | — | — | — |
| Debt | — | 742.3M | 899.8M | 1.3B | 315.9M | -24.8% | 393.0M | — | — | — |
| Equity | — | 677.4M | 718.8M | 763.6M | 688.3M | 0.5% | — | — | — | — |
| Op CF | — | 94.4M | 88.9M | 6.4M | 79.2M | -5.7% | 98.4M | — | — | — |
| Inv CF | — | -1.0B | 329.5M | -52.8M | 979.5M | — | — | — | — | — |
| Fin CF | — | 455.5M | -15.4M | -186.7M | -1.2B | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of HBNC are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| HBNC | Horizon Bancorp, Inc.(you) | $1.0B | 31 | Sell |
| EGBN | Eagle Bancorp, Inc. | $840M | 29 | Sell |
| EQBK | Equity Bancshares, Inc. | $1.0B | 42 | Hold |
| TFIN | Triumph Financial, Inc. | $1.7B | 30 | Sell |
| ESQ | Esquire Financial Holdings, Inc. | $1.4B | 36 | Hold |
| ALRS | Alerus Financial Corporation | $825M | 42 | Hold |
| FSUN | FirstSun Capital Bancorp | $1.8B | 36 | Hold |
| OCFC | OceanFirst Financial Corp. | $1.8B | 37 | Hold |
| NBHC | National Bank Holdings Corporation | $1.8B | 37 | Hold |
| FCBM | First Carolina Financial Services, Inc. | $391M | 30 | Sell |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%