/HBNC
HBNC Stock - Horizon Bancorp, Inc.
Financial Services|Banks - RegionalNASDAQ
$18.08-1.26%
$0.23 (-1.26%) • Dec 19
81
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.BUY
High Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.86
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).93
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.86
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+21.7%upside
Target: $22.00
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ENTRY ZONE$17.90 – $18.26
TARGET (TP)$22.00
STOP LOSS$16.63
RISK/REWARD1:2.7
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta0.84
52W High$18.70
52W Low$12.70
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $355.38M | $319.32M | $278.07M | $246.57M | $254.37M |
| Gross Profit | $182.11M | $180.30M | $243.37M | $230.35M | $199.18M |
| Gross Margin | 51.2% | 56.5% | 87.5% | 93.4% | 78.3% |
| Operating Income | $27.35M | $39.00M | $105.58M | $102.45M | $78.37M |
| Net Income | $35.43M | $27.98M | $93.41M | $87.09M | $68.50M |
| Net Margin | 10.0% | 8.8% | 33.6% | 35.3% | 26.9% |
| EPS | $0.81 | $0.64 | $2.14 | $1.99 | $1.56 |
Company Overview
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.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
3
75%
Hold / Neutral
1
25%
Sell / Underperform
0%
Analyst Consensus🟢 Bullish
3 Bullish1 Neutral/Bearish
Price Targets
$19
Average Target
↑ 4.0% Upside
Now
$17
Low
$19
Average
$22
High
Based on 5 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| August 26th 2025 | Keefe Bruyette | Upgrade | Outperform | $19 |
| September 30th 2024 | Hovde Group | Initiation | Outperform | $18 |
| July 6th 2023 | Raymond James | Downgrade | Market Perform | - |
| February 22nd 2023 | Piper Sandler | Downgrade | Neutral | $17 |
| October 28th 2022 | Keefe Bruyette | Downgrade | Market Perform | $18← $23 |
| July 7th 2022 | Raymond James | Downgrade | Outperform | $22← $23 |
Earnings History & Surprises
HBNCBeat Rate
80%
Last 15 quarters
Avg Surprise
+6.4%
EPS vs Estimate
Beats / Misses
12/2
1 met exactly
Latest EPS
$0.30
Q4 2025
EPS Surprise History
Q1 24
No data
Q2 24
+3.2%
$0.32vs$0.31
Q3 24
+3.2%
$0.32vs$0.31
Q4 24
+10.8%
$0.41vs$0.37
Q1 25
No data
Q2 25
+35.0%
$0.54vs$0.40
Q3 25
+6.8%
$0.47vs$0.44
Q4 25
-34.8%
$0.30vs$0.46
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 21, 2026 | — | — | — | — |
Q1 2026 | Jan 28, 2026 | $0.50 | — | — | — |
Q4 2025 | Oct 22, 2025 | $0.46 | $0.30 | -34.8% | ✗ MISS |
Q3 2025 | Jul 23, 2025 | $0.44 | $0.47 | +6.8% | ✓ BEAT |
Q2 2025 | Apr 23, 2025 | $0.40 | $0.54 | +35.0% | ✓ BEAT |
Q1 2025 | Mar 14, 2025 | — | $-0.25 | — | — |
Q4 2024 | Oct 23, 2024 | $0.37 | $0.41 | +10.8% | ✓ BEAT |
Q3 2024 | Jul 24, 2024 | $0.31 | $0.32 | +3.2% | ✓ BEAT |
Q2 2024 | Apr 24, 2024 | $0.31 | $0.32 | +3.2% | ✓ BEAT |
Q1 2024 | Mar 15, 2024 | — | $-0.58 | — | — |
Q4 2023 | Oct 25, 2023 | $0.36 | $0.37 | +2.8% | ✓ BEAT |
Q3 2023 | Jul 26, 2023 | $0.37 | $0.43 | +16.2% | ✓ BEAT |
Q2 2023 | Apr 26, 2023 | $0.40 | $0.42 | +5.0% | ✓ BEAT |
Q1 2023 | Mar 15, 2023 | — | $0.48 | — | — |
Q4 2022 | Oct 26, 2022 | $0.60 | $0.55 | -8.3% | ✗ MISS |
Q3 2022 | Jul 27, 2022 | $0.52 | $0.57 | +9.6% | ✓ BEAT |
Q2 2022 | Apr 27, 2022 | $0.47 | $0.54 | +14.9% | ✓ BEAT |
Q1 2022 | Jan 26, 2022 | $0.53 | $0.53 | 0.0% | = MET |
Q4 2021 | Oct 27, 2021 | $0.44 | $0.52 | +18.2% | ✓ BEAT |
Q3 2021 | Jul 27, 2021 | $0.44 | $0.50 | +13.6% | ✓ BEAT |
Latest News
Horizon Bancorp Q3 EPS $(4.69) Misses $(1.75) Estimate, Sales $62.184M Miss $69.268M Estimate
📉 NegativeBenzinga•Oct 22, 2025, 08:57 PM
Horizon Bancorp Files For Mixed Shelf; Size Not Disclosed
➖ NeutralBenzinga•Oct 20, 2025, 09:52 PM
Stephens & Co. Maintains Overweight on Horizon Bancorp, Raises Price Target to $22
📈 PositiveBenzinga•Sep 2, 2025, 11:33 AM
KBW upgrades Horizon Bancorp for the company's strategic actions
📈 PositiveSeeking Alpha•Aug 26, 2025, 02:18 PM
Keefe, Bruyette & Woods Upgrades Horizon Bancorp to Outperform, Raises Price Target to $19
📈 PositiveBenzinga•Aug 26, 2025, 10:17 AM
Horizon Bancorp Prices $90M Stock Offering Of 6.2M Shares At $14.50 A Share
➖ NeutralBenzinga•Aug 21, 2025, 10:33 AM
Horizon Bancorp Launches Public Offering Of Common Stock; Proceeds To Support Corporate Needs And Balance Sheet Repositioning
➖ NeutralBenzinga•Aug 20, 2025, 08:03 PM
Frequently Asked Questions about HBNC
What is HBNC's current stock price?
Horizon Bancorp, Inc. (HBNC) is currently trading at $18.08 per share. The stock has moved -1.26% today.
What is the analyst price target for HBNC?
The average analyst price target for HBNC is $22.00, based on 1 analyst.
What sector is Horizon Bancorp, Inc. in?
Horizon Bancorp, Inc. operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NASDAQ exchange.
What is HBNC's market cap?
Horizon Bancorp, Inc. has a market capitalization of $0.93 billion, making it a small-cap company.
Does HBNC pay dividends?
No, Horizon Bancorp, Inc. does not currently pay a dividend to shareholders.
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