Horizon Bancorp, Inc. (HBNC) Stock Score, Valuation & Financial Research
Horizon Bancorp, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 15/100.
Quick answer for HBNC
Horizon Bancorp, Inc. currently has a Wall Street Score of 15/100. The stored market price is $19.78. Its financial score is 5/100. Its valuation score is 0/100. These figures are a research snapshot, not a buy or sell recommendation.
What Horizon Bancorp, Inc. does
Horizon Bancorp, Inc. acts as the parent organization for Horizon Bank, overseeing the delivery of a full spectrum of commercial and retail banking services. The company provides a variety of deposit options and extends diverse loan products, including commercial, residential real estate, specialized mortgage warehouse, and consumer credit facilities. Furthermore, it offers corporate and individual trust and agency services, investment management, and real estate investment trust (REIT) solutions, alongside a selection of insurance offerings. With a footprint of 78 full-service branch locations, Horizon Bancorp serves customers across northern and central Indiana, and southern and central Michigan. This organization, which was founded in 1873, maintains its principal office in Michigan City, Indiana.
HBNC financial snapshot
- Wall Street Score:
- 15/100
- Current price:
- $19.78
- Market capitalization:
- $1.02B
- Revenue:
- $95.4M
- Net income:
- $-144.0M
- Free cash flow:
- $74.3M
- Cash:
- $217.9M
- Total debt:
- $379.1M
- EPS:
- -3.14
- Financial score:
- 5/100
- Valuation score:
- 0/100
- Revenue score:
- 1/100
What stands out
- Reported year-over-year revenue growth is -0.1%.
- Free cash flow is $74.3M, showing positive cash generation.
- The balance sheet shows $217.9M of cash versus $379.1M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 0/100, which Wall Street Score classifies as weak within the model's valuation framework.
The financial score is 5/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-08-14.
How to research HBNC
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.