Horizon Bancorp Balance Sheet Health
Finanzielle Gesundheit Kriterienprüfungen 6/6
Horizon Bancorp hat eine Bilanzsumme von $6.6B und ein Eigenkapital von $726.2M. Die Gesamteinlagen belaufen sich auf $5.4B, die Gesamtkredite auf $4.9B. Das Unternehmen erzielt eine Nettozinsmarge von 3.5%. Es verfügt über ausreichende Wertberichtigungen für notleidende Kredite, die derzeit 0.7% der gesamten Kredite betragen. Die Barmittel und kurzfristigen Anlagen betragen $237.9M.
Wichtige Informationen
9.1x
Verhältnis von Vermögen zu Eigenkapital
3.5%
Nettozinsspanne
| Gesamteinlagen | US$5.40b |
| Kredit- zu Einlagenverhältnis | Angemessen |
| Notleidende Kredite | 0.7% |
| Wertberichtigung für notleidende Kredite | Ausreichend |
| Liquiditätskennzahl | Niedrig |
| Bargeld und Äquivalente | US$237.89m |
Jüngste Berichte zur Finanzlage
Recent updates
HBNC: Future Upside Seen From Net Interest Margin And Commercial Loan Strength
Analysts lifted their price target on Horizon Bancorp to $23 from $21, reflecting updated fair value estimates and expectations for continued support from net interest margin expansion and commercially driven loan growth following solid second-quarter results. What’s in the News for Horizon Bancorp Horizon Bancorp reported second quarter 2026 net income of $24.9 million, with diluted earnings per share of $0.49 compared with an estimate of $0.52.HBNC: Overweight Rating And Stable Fundamentals Suggest Balanced Risk And Opportunity
Narrative Update: Horizon Bancorp Analyst Price Target Shift Analysts have reduced their average Horizon Bancorp price target by $1, citing recent reassessments of the stock's risk and return profile, as reflected in updated coverage from multiple firms. Analyst Commentary Recent research updates present a mixed picture around Horizon Bancorp, with some analysts focusing on potential upside in the stock and others highlighting risks that they believe justify a lower price target.HBNC: Overweight Rating And Earnings Execution Should Support Future Upside
Analysts have reduced their price target on Horizon Bancorp by $1, citing a slightly higher discount rate and modestly adjusted future P/E assumptions, while maintaining fair value estimates at approximately $21.20. Analyst Commentary Recent research points to a mixed setup for Horizon Bancorp, with some analysts highlighting upside potential while others are more focused on valuation sensitivity and execution risks.HBNC: Overweight Rating And Lower Forward P E Will Support Future Upside
Analysts have adjusted their fair value estimate for Horizon Bancorp to $21.20 from $20.80, citing updated expectations for revenue growth, profit margins, and future P/E assumptions reflected in recent Street research. Analyst Commentary Bullish Takeaways Bullish analysts highlighting an Overweight view see room for Horizon Bancorp to execute on its revenue plans, which supports the updated fair value estimate of $21.20.Horizon Bancorp Continues To Benefit From Steps Taken In 2025
Summary Horizon Bancorp has delivered an 8.7% total return since my last Buy rating, outperforming the S&P 500 and KRE. Strategic asset sales, including $1.7B in securities and $190M in auto loans, have reduced risk and are expected to improve margins and ROA. Deposit costs remain well-managed at 1.97%, 72 bps below peers, reflecting successful efforts to reduce high-cost transactional deposits. HBNC maintains a 3.78% forward yield, with consensus expecting a dividend increase later this year. Read the full article on Seeking AlphaHBNC: Overweight Rating And Refreshed P E Assumptions Will Support Upside
Analysts have lifted their price target on Horizon Bancorp by $2, citing recent coverage assumptions and updates that reflect adjustments to the discount rate, long term growth, and projected P/E multiples. Analyst Commentary Bullish Takeaways Bullish analysts view the refreshed coverage as a chance to reset assumptions on discount rates and long term growth, which they see as better aligned with Horizon Bancorp’s current positioning.HBNC: Overweight Rating And Higher P E Expectations Will Support Upside
Analysts have adjusted the Horizon Bancorp valuation, trimming the fair value estimate from $21.20 to $20.80. Recent research, including an Overweight initiation and a higher published price target, highlights updated assumptions around the discount rate, revenue outlook, profit margin, and future P/E expectations.HBNC: Lower Discount Rate Will Support Stronger Forward Earnings Visibility
Analysts have increased their Horizon Bancorp price target by $2, citing updated assumptions around discount rates, revenue growth, and future P/E ratios that they believe are now better aligned with current fundamentals. Analyst Commentary Bullish Takeaways Bullish analysts view the higher price target as a reflection of updated assumptions on discount rates that they see as better matching current market conditions and Horizon Bancorp’s risk profile.HBNC: Revised Earnings And Margin Profile Will Support Higher Fair Value
Analysts have raised their Horizon Bancorp price target by $2 to $21.20, citing updated assumptions around fair value, discount rate, revenue growth, profit margin, and future P/E as reflected in recent Street research. Analyst Commentary Bullish Takeaways Bullish analysts point to the higher US$21.20 target as support for their updated view of Horizon Bancorp's fair value based on current Street research inputs.Horizon Bancorp (NASDAQ:HBNC) Is Paying Out A Dividend Of $0.16
The board of Horizon Bancorp, Inc. ( NASDAQ:HBNC ) has announced that it will pay a dividend on the 16th of January...Horizon Bancorp (NASDAQ:HBNC) Is Paying Out A Dividend Of $0.16
Horizon Bancorp, Inc. ( NASDAQ:HBNC ) will pay a dividend of $0.16 on the 17th of October. This means the annual...Horizon Bancorp (NASDAQ:HBNC) Will Pay A Dividend Of $0.16
The board of Horizon Bancorp, Inc. ( NASDAQ:HBNC ) has announced that it will pay a dividend on the 18th of July, with...Horizon Bancorp: Attractive Ahead Of Q1 Earnings
Summary Horizon Bancorp shares have declined 25% from their highs, presenting a buying opportunity ahead of their April 23rd earnings report. The bank has undergone a smooth management transition, with a new CEO and independent chairman, posing a modest but acceptable risk. Horizon's balance sheet repositioning has boosted net interest margins, and the bank is well-capitalized with an 11% CET1 ratio. Despite tariff-related uncertainties, HBNC is well-positioned for growth, with a fair value estimate of $16, offering 15% upside plus a 5% dividend yield. Read the full article on Seeking AlphaHorizon Bancorp Appears Undervalued With A Positive Earnings Outlook
Summary The loan growth will likely slow down significantly this year because of a planned runoff of auto loans. Further, the outlook for commercial loans is lackluster. The recent sales of AFS Securities and the Mortgage Warehouse business will lift the net interest margin. Further, interest rate cuts will benefit the margin. I’m expecting earnings to grow to $1.75 per share in 2025 from $0.80 per share in 2024. HBNC is offering a high price upside of 19% and a good dividend yield of 4.1%. Read the full article on Seeking AlphaHorizon Bancorp (NASDAQ:HBNC) Is Due To Pay A Dividend Of $0.16
Horizon Bancorp, Inc. ( NASDAQ:HBNC ) has announced that it will pay a dividend of $0.16 per share on the 18th of...Horizon Bancorp (NASDAQ:HBNC) Will Pay A Dividend Of $0.16
The board of Horizon Bancorp, Inc. ( NASDAQ:HBNC ) has announced that it will pay a dividend on the 18th of October...
John Stewart's Arrival And Calculated Finance Overhaul To Spearhead Revenue Surge And Margin Expansion
Strengthening financial strategy with a new CFO and expanding loan portfolio could notably enhance Horizon Bancorp's revenue growth and profitability.Horizon Bancorp: Attractive Dividend Yield And A Positive Earnings Outlook
Summary I’ve increased my loan growth and margin estimates after the stronger-than-expected performance in the first quarter. Planned asset re-mixes and the upcoming interest rate cuts will likely drive the net interest margin. The December 2024 target price suggests a price upside of ~ 20% as of the writing of this report. HBNC is offering quite a high dividend yield of 5.2%. Read the full article on Seeking AlphaHorizon Bancorp: All In All, A Positive Q4 2023
Summary Horizon Bancorp's Q4 earnings report showed a miss in EPS and revenue, but a closer analysis reveals positive aspects. The company faced extraordinary expenses, but is entering 2024 with expanding margins and financial flexibility. The bank's low LTD ratio and ample cash on hand position it well for growth and reduced competition in 2024. Read the full article on Seeking AlphaAnalyse der Finanzlage
Geschichte und Analyse des Verhältnisses von Schulden zu Eigenkapital
Bilanz
Analyse der Finanzinstitute
Vermögensebene: HBNCDas Verhältnis von Vermögen zu Eigenkapital (9.1x) ist niedrig.
Wertberichtigung für uneinbringliche Kredite: HBNC hat eine ausreichende Wertberichtigung für notleidende Kredite (149%).
Verbindlichkeiten mit geringem Risiko: 92% der Verbindlichkeiten von HBNC bestehen hauptsächlich aus risikoarmen Finanzierungsquellen.
Darlehenshöhe: HBNC ein angemessenes Niveau des Verhältnis von Krediten zu Vermögenswerten aufweist (75%).
Einlagen mit geringem Risiko: HBNCDas Verhältnis von Krediten zu Einlagen (91%) ist angemessen.
Höhe der notleidenden Kredite: HBNC einen angemessenen Anteil an notleidenden Krediten hat (0.7%).
Entdecken Sie finanziell stabile Unternehmen
Unternehmensanalyse und Finanzdaten Status
| Daten | Zuletzt aktualisiert (UTC-Zeit) |
|---|---|
| Unternehmensanalyse | 2026/08/19 19:08 |
| Aktienkurs zum Tagesende | 2026/08/19 00:00 |
| Gewinne | 2026/06/30 |
| Jährliche Einnahmen | 2025/12/31 |
Datenquellen
Die in unserer Unternehmensanalyse verwendeten Daten stammen von S&P Global Market Intelligence LLC. Die folgenden Daten werden in unserem Analysemodell verwendet, um diesen Bericht zu erstellen. Die Daten sind normalisiert, was zu einer Verzögerung bei der Verfügbarkeit der Quelle führen kann.
| Paket | Daten | Zeitrahmen | Beispiel US-Quelle * |
|---|---|---|---|
| Finanzdaten des Unternehmens | 10 Jahre |
| |
| Konsensschätzungen der Analysten | +3 Jahre |
|
|
| Marktpreise | 30 Jahre |
| |
| Eigentümerschaft | 10 Jahre |
| |
| Verwaltung | 10 Jahre |
| |
| Wichtige Entwicklungen | 10 Jahre |
|
* Beispiel für US-Wertpapiere, für nicht-US-amerikanische Wertpapiere werden gleichwertige regulatorische Formulare und Quellen verwendet.
Sofern nicht anders angegeben, beziehen sich alle Finanzdaten auf einen Jahreszeitraum, werden aber vierteljährlich aktualisiert. Dies wird als Trailing Twelve Month (TTM) oder Last Twelve Month (LTM) Daten bezeichnet. Erfahren Sie mehr.
Analysemodell und Schneeflocke
Details zum Analysemodell, mit dem dieser Bericht erstellt wurde, finden Sie auf unserer Github-Seite; außerdem bieten wir Leitfäden zur Nutzung unserer Berichte und Tutorials auf Youtube an.
Erfahren Sie mehr über das Weltklasse-Team, das das Simply Wall St-Analysemodell entworfen und entwickelt hat.
Metriken für Industrie und Sektor
Unsere Branchen- und Sektionskennzahlen werden alle 6 Stunden von Simply Wall St berechnet. Details zu unserem Verfahren finden Sie auf Github.
Analysten-Quellen
Horizon Bancorp, Inc. wird von 7 Analysten beobachtet. 5 dieser Analysten hat die Umsatz- oder Gewinnschätzungen übermittelt, die als Grundlage für unseren Bericht dienen. Die von den Analysten übermittelten Daten werden im Laufe des Tages aktualisiert.
| Analyst | Einrichtung |
|---|---|
| Brendan Nosal | Hovde Group, LLC |
| Damon DelMonte | Keefe, Bruyette, & Woods |
| Nathan Race | Piper Sandler Companies |