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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Cambridge Bancorp

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 27.19%, its profits have fallen by -524%

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)

27.19%

2.30

28.43%

S&P 500

22.99%

1.78

12.93%

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)

-229.50%

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

85.03%

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

NA (Loss Making)

Industry P/E

Price to Book Value

1.21

EV to EBIT

-4.79

EV to EBITDA

-5.03

EV to Capital Employed

1.17

EV to Sales

2.79

PEG Ratio

Dividend Yield

ROCE (Latest)

-24.36%

ROE (Latest)

-21.83%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Mildly Bullish

Mildly Bearish

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

12What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 90.38 MM

NET PROFIT(HY)

Higher at USD 53.09 MM

CREDIT DEPOSIT RATIO(Q)

Highest at 0.76%

OPERATING PROFIT MARGIN(Q)

Highest at 37.33 %

-9What is not working for the Company

NET PROFIT(9M)

At USD -168.9 MM has Grown at -636.18%

GROSS NPA (%)

CASH AND EQV(HY)

Lowest at USD 135.16 MM

NET SALES(Q)

Lowest at USD 86.65 MM

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

Net Profit

At USD 53.09 MM has Grown at 298.54%

Year on Year (YoY)

MOJO Watch

Net Profit trend is very positive

Net Profit (USD MM)

Operating Cash Flow

Highest at USD 90.38 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Credit Deposit Ratio

Highest at 0.76% 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 (%)

Net Profit

Higher at USD 53.09 MM

than preceding 12 month period ended Mar 2026

MOJO Watch

In the half year the company has already crossed Net Profit of the previous twelve months

Net Profit (USD MM)

Operating Profit Margin

Highest at 37.33 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Depreciation

At USD 2.87 MM has Grown at 306.94%

period on period (QoQ)

MOJO Watch

The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales

Depreciation (USD MM)

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

Non Performing Loans (%)

Highest at 0.76%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Net Sales

Lowest at USD 86.65 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Cash and Eqv

Lowest at USD 135.16 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents