17.51 USD
-0.14 (-0.79%)
17.51 USD
0 (0%)
HBNC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. HBNC has a bad profitability rating. Also its financial health evaluation is rather negative. HBNC is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year HBNC was profitable.
- HBNC had a negative operating cash flow in the past year.
- Each year in the past 5 years HBNC has been profitable.
- HBNC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of -2.80%, HBNC is doing worse than 96.61% of the companies in the same industry.
- The Return On Equity of HBNC (-28.49%) is worse than 96.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.8% | ||
| ROE | -28.49% | ||
| ROIC | N/A |
ROA(3y)0.66%
ROA(5y)0.87%
ROE(3y)7.44%
ROE(5y)8.85%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- In the last couple of years the Profit Margin of HBNC has declined.
- HBNC does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.82%
PM growth 5Y-10.73%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- HBNC does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for HBNC has been increased compared to 1 year ago.
- The number of shares outstanding for HBNC has been reduced compared to 5 years ago.
- HBNC has a better debt/assets ratio than last year.
2.2 Solvency
- HBNC has a Debt/Equity ratio of 0.83. This is a neutral value indicating HBNC is somewhat dependend on debt financing.
- HBNC has a worse Debt to Equity ratio (0.83) than 83.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.96%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- HBNC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 159.42%, which is quite impressive.
- Measured over the past 5 years, HBNC shows a small growth in Earnings Per Share. The EPS has been growing by 2.26% on average per year.
- The Revenue for HBNC has decreased by -141.08% in the past year. This is quite bad
- Measured over the past years, HBNC shows a decrease in Revenue. The Revenue has been decreasing by -1.24% on average per year.
EPS 1Y (TTM)159.42%
EPS 3Y-5.43%
EPS 5Y2.26%
EPS Q2Q%363.41%
Revenue 1Y (TTM)-141.08%
Revenue growth 3Y-6.42%
Revenue growth 5Y-1.24%
Sales Q2Q%6.44%
3.2 Future
- HBNC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.58% yearly.
- The Revenue is expected to grow by 11.95% on average over the next years. This is quite good.
EPS Next Y-293.35%
EPS Next 2Y9.99%
EPS Next 3Y8.58%
EPS Next 5YN/A
Revenue Next Year22.49%
Revenue Next 2Y14.88%
Revenue Next 3Y11.95%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 4.89, which indicates a rather cheap valuation of HBNC.
- 97.13% of the companies in the same industry are more expensive than HBNC, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 27.47, HBNC is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 8.51, the valuation of HBNC can be described as reasonable.
- Based on the Price/Forward Earnings ratio, HBNC is valued cheaper than 84.60% of the companies in the same industry.
- HBNC is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.89 | ||
| Fwd PE | 8.51 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.16
EPS Next 2Y9.99%
EPS Next 3Y8.58%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.74%, HBNC has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.91, HBNC pays a bit more dividend than its industry peers.
- HBNC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.74% |
5.2 History
- The dividend of HBNC has a limited annual growth rate of 5.16%.
- HBNC has been paying a dividend for at least 10 years, so it has a reliable track record.
- As HBNC did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)5.16%
Div Incr Years0
Div Non Decr Years9
5.3 Sustainability
- HBNC has negative earnings and hence a negative payout ratio. The dividend may be in danger.
- The dividend of HBNC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-15.05%
EPS Next 2Y9.99%
EPS Next 3Y8.58%
17.51
-0.14 (-0.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22/amc
Earnings (Next)01-21 2026-01-21/amc
Inst Owners77.58%
Inst Owner Change0%
Ins Owners1.14%
Ins Owner Change0.08%
Market Cap896.86M
Revenue(TTM)-77.73M
Net Income(TTM)-188.28M
Analysts81.67
Price Target20.4 (16.5%)
Short Float %2.35%
Short Ratio3.22
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.74% |
Yearly Dividend0.64
Dividend Growth(5Y)5.16%
DP-15.05%
Div Incr Years0
Div Non Decr Years9
Ex-Date01-02 2026-01-02 (0.16)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)105.92%
Min EPS beat(2)5.28%
Max EPS beat(2)206.56%
EPS beat(4)4
Avg EPS beat(4)100.11%
Min EPS beat(4)5.28%
Max EPS beat(4)206.56%
EPS beat(8)8
Avg EPS beat(8)51.97%
EPS beat(12)10
Avg EPS beat(12)35.21%
EPS beat(16)12
Avg EPS beat(16)26.91%
Revenue beat(2)0
Avg Revenue beat(2)-7.08%
Min Revenue beat(2)-11.99%
Max Revenue beat(2)-2.17%
Revenue beat(4)1
Avg Revenue beat(4)-16.67%
Min Revenue beat(4)-57.06%
Max Revenue beat(4)4.53%
Revenue beat(8)1
Avg Revenue beat(8)-16.77%
Revenue beat(12)2
Avg Revenue beat(12)-13.57%
Revenue beat(16)4
Avg Revenue beat(16)-11.65%
PT rev (1m)2.04%
PT rev (3m)4.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.22%
EPS NY rev (1m)0.23%
EPS NY rev (3m)-266.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.53%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.89 | ||
| Fwd PE | 8.51 | ||
| P/S | N/A | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.36 | ||
| P/tB | 1.8 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.58
EY20.45%
EPS(NY)2.06
Fwd EY11.75%
FCF(TTM)-0.17
FCFYN/A
OCF(TTM)-0.05
OCFYN/A
SpS-1.52
BVpS12.9
TBVpS9.72
PEG (NY)N/A
PEG (5Y)2.16
Graham Number32.24
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.8% | ||
| ROE | -28.49% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.66%
ROA(5y)0.87%
ROE(3y)7.44%
ROE(5y)8.85%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.82%
PM growth 5Y-10.73%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover-0.01
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 47.27% | ||
| Cap/Sales | -7.48% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC9.96%
ROIC/WACCN/A
Cap/Depr(3y)59.85%
Cap/Depr(5y)51.32%
Cap/Sales(3y)3.13%
Cap/Sales(5y)2.52%
Profit Quality(3y)129.3%
Profit Quality(5y)123%
High Growth Momentum
Growth
EPS 1Y (TTM)159.42%
EPS 3Y-5.43%
EPS 5Y2.26%
EPS Q2Q%363.41%
EPS Next Y-293.35%
EPS Next 2Y9.99%
EPS Next 3Y8.58%
EPS Next 5YN/A
Revenue 1Y (TTM)-141.08%
Revenue growth 3Y-6.42%
Revenue growth 5Y-1.24%
Sales Q2Q%6.44%
Revenue Next Year22.49%
Revenue Next 2Y14.88%
Revenue Next 3Y11.95%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-111.03%
FCF growth 3Y-76.96%
FCF growth 5Y-62.38%
OCF growth 1Y-103.18%
OCF growth 3Y-60.88%
OCF growth 5Y-48.45%
HORIZON BANCORP INC/IN / HBNC FAQ
What is the fundamental rating for HBNC stock?
ChartMill assigns a fundamental rating of 3 / 10 to HBNC.
What is the valuation status of HORIZON BANCORP INC/IN (HBNC) stock?
ChartMill assigns a valuation rating of 5 / 10 to HORIZON BANCORP INC/IN (HBNC). This can be considered as Fairly Valued.
What is the profitability of HBNC stock?
HORIZON BANCORP INC/IN (HBNC) has a profitability rating of 2 / 10.
What is the expected EPS growth for HORIZON BANCORP INC/IN (HBNC) stock?
The Earnings per Share (EPS) of HORIZON BANCORP INC/IN (HBNC) is expected to decline by -293.35% in the next year.
How sustainable is the dividend of HORIZON BANCORP INC/IN (HBNC) stock?
The dividend rating of HORIZON BANCORP INC/IN (HBNC) is 6 / 10 and the dividend payout ratio is -15.05%.