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HBNC$18.49+0.00%
Fair $18.49+0.0%

HBNC

Horizon Bancorp, Inc.

Financial Services / Banks - RegionalNasdaqGS

$18.49

+0.00 (+0.00%)

Fairly Valued+0.0%Fair Value $18.49Fund rank 34/100 · Data gapFallback financials|
SA 28/D
F-Score: 4/9
Low Profitability

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 19.0/100

Data gap 34/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 67/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

28/100

D

Piotroski

4/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

20/100

SEC 0%

Latest source: unknownPeriods: 17Warnings: 1unknown: 17
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. ROE is -21.9%, below the 5% threshold
Thesis & Journal · HBNCLocal privado en este navegador · Horizon Bancorp, Inc.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$944M

P/E

N/A

•

EV/EBITDA

N/A

•

ROE

-21.9%

↓

Gross Margin

N/A

•

Debt/Equity

0.36

↑
No hay histórico de precio usable para pintar el gráfico TradingView.

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2009–2025 · 16 años de histórico normalizado

Revenue CAGR

+10.6%

FCF CAGR

+12.9%

FCF margin

20.5%

FCF / Net income

-0.49x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $362.8M · net income $-150.5M · FCF $74.3M

2009-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

-41.5%-54.1% pts

FCF margin

20.5%+5.8% pts
MetricTTM
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
Income Statement
Revenue$362.8M$362.8M$356.5M$312.3M$236.0M$194.1M$200.0M$208.3M$166.2M$128.5M$106.5M$88.6M$76.2M$74.9M$72.5M$64.6M$68.5M$72.7M
Net Income$-150.5M$-150.5M$35.4M$28.0M$93.4M$87.1M$68.5M$66.5M$53.1M$33.1M$23.9M$20.5M$18.1M$19.9M$19.5M$12.8M$10.5M$9.1M
EPS-3.24-3.240.800.642.141.981.551.531.380.950.791.261.272.172.301.511.211.58
Net Margin-41.5%-41.5%9.9%9.0%39.6%44.9%34.3%31.9%32.0%25.8%22.4%23.2%23.8%26.5%26.9%19.8%15.3%12.6%
Balance Sheet
Debt/Equity0.360.361.611.881.690.990.69————1.681.811.562.183.05——
Cash Flow
Free Cash Flow$74.3M$74.3M$1.3M$81.2M$88.0M$104.9M$73.0M$169.8M$68.9M$46.4M$24.2M——$40.6M$19.4M$20.0M$22.5M$10.6M
Returns
ROE-21.9%-21.9%4.6%3.9%13.8%12.0%9.9%10.1%10.8%7.2%7.0%7.7%9.3%12.1%12.3%10.5%9.3%8.0%
Growth & Yield
Revenue Growth1.8%1.8%14.1%32.3%21.6%-2.9%-4.0%25.4%29.3%20.6%20.3%16.2%1.8%3.3%12.2%-5.7%-5.7%—
EPS Growth-505.0%-505.0%25.0%-70.1%8.1%27.7%1.3%10.9%45.3%20.3%-37.3%-0.8%-41.5%-5.7%52.3%24.8%-23.4%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · available periodreconcilia total n/d
Return attribution requires positive start and end prices.

Unavailable: positive start/end prices are required.