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Horizon

NSQ:HBNC · US4404071049
BanksX-Small

360

6
Profit price—
Cash yield73
Price/Sales49
Price/Book20
Returns on capital1
Profit margins—

Cash truth not applicable for financial companies.

Sales growth45
Profit Growth38
Owner Earnings Growth1
Reinvestment34
Price momentum60
Debt load32
Debt serviceability47
Liquidity33
Analyst ratings83
Opinion Changes50
Price Target Upside77
Market mood29
Value Creation0/20not creating value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Horizon doesn't consistently earn more than its cost of capital, so it isn't yet creating shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQGS
Founded1983
Websitehorizonbank.com
ISINUS4404071049
Last UpdateApr 2, 2026
Indices
Sound Pay Practices (USA)

Description

Horizon Bancorp, Inc. (‘Horizon’) operates as a registered bank holding company for Horizon Bank (the ‘bank’) that provides a broad range of banking services in northern and central Indiana and southern and central Michigan. The bank is a full-servi…

Analysis

Weak and unloved

Horizon Bancorp, Inc. is weak and unloved: below-average business metrics and a price that reflects that disappointment.

Valuation data is not available for this company.

The trajectory is weak and the balance sheet is stretched. The company scores 0/20 on our value-creation score: not creating value. Analysts lean positive.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
24
2023202420252026

All-time high

83

Jan 2023

All-time low

8

Jan 2024

Average rank

38

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
49
67
48
40
Price/Earnings
90
83
52
66
Price/Book
20
69
75
25
Dividend Yield
73
79
84
87
Value (overall)
55
85
65
47

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →