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Horizon Bancorp, Inc. (Indiana)

  • Market Cap: Small Cap
  • Industry: Regional Banks
  • ISIN: US4404071049
USD
17.37
0.12 (0.7%)

Dec 04

NAS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Heritage Commerce Corp.
Business First Bancshares, Inc.
Mercantile Bank Corp.
Hanmi Financial Corp.
Univest Financial Corp.
MetroCity Bankshares, Inc.
CrossFirst Bankshares, Inc.
Capital City Bank Group, Inc.
Cantaloupe, Inc.
Cambridge Bancorp
Horizon Bancorp, Inc. (Indiana)
Why is Horizon Bancorp, Inc. (Indiana) ?
1
With a fall in Interest of NAN%, the company declared Very Negative results in Jun 25
  • The company has declared negative results in Jan 70 after 3 consecutive negative quarters
  • CASH AND EQV(HY) Lowest at USD 191.36 MM
2
Risky -
  • The stock is trading risky as compared to its average historical valuations
  • Over the past year, while the stock has generated a return of -8.13%, its profits have risen by 92.3% ; the PEG ratio of the company is 0.2
3
Underperformed the market in the last 1 year
  • Even though the market (S&P 500) has generated returns of 12.33% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -8.13% returns
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Horizon Bancorp, Inc. (Indiana) for you?

Medium Risk, High Return

Absolute
Risk Adjusted
Volatility
Horizon Bancorp, Inc. (Indiana)
-3.45%
1.50
31.30%
S&P 500
13.22%
0.61
20.17%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
11.57%
EBIT Growth (5y)
-15.69%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
79.60%
Pledged Shares
0
Institutional Holding
73.70%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
0.84
EV to EBIT
45.91
EV to EBITDA
34.61
EV to Capital Employed
0.92
EV to Sales
3.96
PEG Ratio
0.15
Dividend Yield
NA
ROCE (Latest)
2.01%
ROE (Latest)
5.88%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bearish
Bearish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

14What is working for the Company
NET PROFIT(HY)

Higher at USD 44.85 MM

CREDIT DEPOSIT RATIO(Q)

Highest at 0.53%

NII(Q)

Highest at USD 55.35 MM

PRE-TAX PROFIT(Q)

At USD 24.4 MM has Grown at 53.69%

-1What is not working for the Company
CASH AND EQV(HY)

Lowest at USD 191.36 MM

Here's what is working for Horizon Bancorp, Inc. (Indiana)
Credit Deposit Ratio
Highest at 0.53% and Grown
In each half year in the last four Semi-Annual periods
MOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

NII
Highest at USD 55.35 MM
in the last five periods
MOJO Watch
The bank's income from core business is increasing

NII (USD MM)

Net Profit
Higher at USD 44.85 MM
than preceding 12 month period ended Jun 2025
MOJO Watch
In the half year the company has already crossed Net Profit of the previous twelve months

Net Profit (USD MM)

Net Profit
At USD 44.85 MM has Grown at 59.42%
Year on Year (YoY)
MOJO Watch
Near term Net Profit trend is positive

Net Profit (USD MM)

Pre-Tax Profit
At USD 24.4 MM has Grown at 53.69%
Year on Year (YoY)
MOJO Watch
Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

CASA
Highest at 12.48%
in the last five periods
MOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for Horizon Bancorp, Inc. (Indiana)
Cash and Eqv
Lowest at USD 191.36 MM
in the last six Semi-Annual periods
MOJO Watch
Short Term liquidity is deteriorating

Cash and Cash Equivalents

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