NASDAQ · Banks - Regional

Horizon Bancorp, Inc. (HBNC) Stock

$20.37 +1.90% NASDAQ: HBNC Financial Services

Valuation

MetricValue
Price$20.37
Market Cap$1.05B
P/E Ratio-6.16
P/B Ratio1.37
P/S Ratio10.48
EPS (TTM)$-3.15
52-Week High$21.04
52-Week Low$14.97
Dividend Yield3.29%

Financials & Margins

MetricValue
ROE-20.76%
ROA-2.19%
ROCE-20.10%
Gross Margin-194.17%
Operating Margin-194.17%
Net Margin-150.89%
Debt/Equity0.55
Current Ratio1.14

Annual Financials (USD)

Metric20212022202320242025
Revenue$247.0M$278.0M$319.0M$355.0M$103.0M
Operating Profit$102.0M$106.0M$39.0M$27.0M$-200.0M
Net Profit$87.0M$93.0M$28.0M$35.0M$-150.0M
EPS$1.98$2.14$0.64$0.80$-3.15
Op Margin41.5%38.0%12.2%7.7%-193.4%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$7.4B$7.9B$7.9B$7.8B$6.4B
Total Liabilities$6.7B$7.2B$7.2B$7.0B$5.7B
Cash$598.0M$126.0M$527.0M$294.0M$67.0M
Borrowings$828.0M$1.0B$1.0B$1.3B$404.0M

Latest News

Horizon Bancorp (HBNC) Reports Next Week: Wall Street Expects Earnings Growth Zacks · Jul 15, 2026 Horizon Bancorp, Inc. Announces Conference Call to Review Second Quarter Results on July 23 GlobeNewswire · Jul 1, 2026 Are You Looking for a Top Momentum Pick? Why Horizon Bancorp (HBNC) is a Great Choice Zacks · Jun 9, 2026 Why The Horizon Bancorp (HBNC) Investment Narrative Is Evolving Without New Analyst Guidance Simply Wall St. · Jun 1, 2026 What Makes Horizon Bancorp (HBNC) a New Buy Stock Zacks · Apr 28, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$106.0M$94.0M$89.0M$6.0M$79.0M
Investing Cash Flow$-346.0M$-1.0B$322.0M$-58.0M$975.0M
Financing Cash Flow$439.0M$60.0M$-196.0M$-106.0M$-327.0M
Net Cash Flow$344.0M$-470.0M$403.0M$-233.0M$-154.0M
Free Cash Flow$105.0M$88.0M$81.0M$1.0M$74.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.01
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y30.61%
Return 3Y94.11%
Return 5Y44.19%

Ownership

Insiders Held2.24%
Institutions Held76.75%
Institutions Float Held78.51%
Institutional HolderSharesReport Date
Blackrock Inc.6,572,3042026-03-31
Vanguard Capital Management LLC2,227,5842026-03-31
Dimensional Fund Advisors LP1,965,8612026-03-31
PL Capital Advisors, LLC1,812,8252026-03-31
State Street Corporation1,659,3492026-03-31

About Horizon Bancorp, Inc.

Horizon Bancorp, Inc. is led by CEO Thomas Prame, employs 841 people, headquartered in US, publicly traded since 2002.

Horizon Bancorp, Inc. (HBNC) stock trades at $20.37 with a market capitalization of $1.05B. The stock is valued at a negative price-to-earnings (P/E) ratio of -6.16, reflecting a net loss over the last twelve months, price-to-book of 1.37, price-to-sales of 10.48. Over the past 52 weeks the stock has ranged between $14.97 and $21.04, and currently trades 3.2% below its 52-week high. It pays a dividend yielding 3.29%.

On profitability, Horizon Bancorp, Inc. generates a return on equity (ROE) of -20.76% (negative, reflecting a net loss), return on capital employed of -20.10%, an operating margin of -194.17%, a net profit margin of -150.89%.

Horizon Bancorp, Inc. by the numbers, 2016–2025

Between 2016 and 2025 Horizon Bancorp, Inc. reported revenue of $136.0M rising to $103.0M, a change of -24.3% across 10 years. Compounded, revenue has grown -16.5% a year over five years, -28.2% over three, -71.0% over the last twelve months. Net profit fell to $-150.0M.

Operating margin went from 24.0% in 2016 to -193.4% in 2025, a fall of 217.4 percentage points. The most recent net margin is -150.89%. On a trailing twelve-month basis to Jun '26, revenue is $96.0M and net profit $-144.0M.

Borrowings rose from $324.0M to $404.0M, cash from operations was $79.0M in the latest year, positive in 10 of the last 10.

Return on equity has averaged 2.5% over five years, and was -21.8% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Horizon Bancorp, Inc. (HBNC) — frequently asked questions

What is Horizon Bancorp, Inc. (HBNC) stock price today?

Horizon Bancorp, Inc. (HBNC) is currently trading at $20.37, up 1.9% today.

What is HBNC P/E ratio?

Horizon Bancorp, Inc.'s P/E ratio is -6.16. A negative P/E means the company reported a net loss over the last twelve months, so P/E is not a meaningful valuation measure for it right now.

What is HBNC return on equity (ROE)?

Horizon Bancorp, Inc.'s return on equity (ROE) is -20.76%. ROE measures net income relative to shareholders' equity. A negative ROE means the company reported a net loss over the period.

What is Horizon Bancorp, Inc.'s market cap?

Horizon Bancorp, Inc. has a market capitalization of $1.05B.

Does HBNC pay a dividend?

Yes. Horizon Bancorp, Inc. currently yields 3.29%. Yield moves with the share price, so it changes daily even when the payment does not.

How much debt does HBNC carry?

Horizon Bancorp, Inc. has a debt-to-equity ratio of 0.55. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is HBNC's profit margin?

Horizon Bancorp, Inc. reports a net profit margin of -150.89% — the share of revenue left after every cost, including tax and interest.

What sector is HBNC in?

Horizon Bancorp, Inc. is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is HBNC listed on?

Horizon Bancorp, Inc. trades on NASDAQ under the ticker HBNC.

What is HBNC's 52-week range?

Over the last year Horizon Bancorp, Inc. has traded between $14.97 and $21.04.

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Screens HBNC currently matches

On the figures above, Horizon Bancorp, Inc. passes the filters for 7 of our ready-made screens, among them Dividend Stocks, Small Cap Stocks, Stocks Under $100. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

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