Horizon Bancorp, Inc. (Indiana) (HBNC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Horizon Bancorp, Inc. (Indiana)

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Why is Horizon Bancorp, Inc. (Indiana) ?

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 5.69%, its profits have risen by 172.8% ; the PEG ratio of the company is 0.1

Underperformed the market in the last 1 year

The stock has generated a return of 5.69% in the last 1 year, much lower than market (S&P 500) returns of 20.78%

Real-Time Research Report

Verdict Report

How much should you sell?

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)

5.69%

1.25

31.52%

S&P 500

20.78%

1.08

19.33%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.05%

EBIT Growth (5y)

-229.51%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

79.42%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

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

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.01

EV to EBIT

43.38

EV to EBITDA

34.47

EV to Capital Employed

1.01

EV to Sales

4.62

PEG Ratio

0.09

Dividend Yield

ROCE (Latest)

2.32%

ROE (Latest)

6.59%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Sideways

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

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

14What is working for the Company

CREDIT DEPOSIT RATIO(Q)

Highest at 0.72%

NII(Q)

Highest at USD 63.48 MM

OPERATING PROFIT(Q)

Highest at USD 32.69 MM

OPERATING PROFIT MARGIN(Q)

Highest at 36.62 %

PRE-TAX PROFIT(Q)

Highest at USD 32.69 MM

NET PROFIT(Q)

Highest at USD 26.92 MM

-16What is not working for the Company

NET PROFIT(HY)

At USD -195.07 MM has Grown at -2,772.91%

OPERATING CASH FLOW(Y)

Lowest at USD 45.65 MM

GROSS NPA (%)

CASH AND EQV(HY)

Lowest at USD 143.21 MM

Here's what is working for Horizon Bancorp, Inc. (Indiana)

Pre-Tax Profit

At USD 32.69 MM has Grown at 249.06%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 26.92 MM has Grown at 347.39%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Credit Deposit Ratio

Highest at 0.72% 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 63.48 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Operating Profit

Highest at USD 32.69 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 36.62 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 32.69 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 26.92 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Here's what is not working for Horizon Bancorp, Inc. (Indiana)

Operating Cash Flow

Lowest at USD 45.65 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Non Performing Loans (%)

Highest at 0.72%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Cash and Eqv

Lowest at USD 143.21 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents