Horizon Bancorp Stock Buy Hold or Sell Recommendation
| HBNC Stock | USD 17.20 0.13 0.75% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding Horizon Bancorp is 'Hold'. Macroaxis provides Horizon Bancorp buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding HBNC positions.
Check out Horizon Bancorp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For information on how to trade Horizon Stock refer to our How to Trade Horizon Stock guide. In addition, we conduct extensive research on individual companies such as Horizon and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards Horizon Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.
Horizon |
Execute Horizon Bancorp Buy or Sell Advice
The Horizon recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Horizon Bancorp. Macroaxis does not own or have any residual interests in Horizon Bancorp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Horizon Bancorp's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Hold
Market Performance | Very Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Follows the market closely | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Horizon Bancorp Trading Alerts and Improvement Suggestions
| Horizon Bancorp generated a negative expected return over the last 90 days | |
| About 71.0% of the company shares are owned by institutional investors | |
| On 17th of January 2025 Horizon Bancorp paid $ 0.16 per share dividend to its current shareholders | |
| Latest headline from thelincolnianonline.com: Horizon Bancorp Shares Gap Down Heres Why |
Horizon Bancorp Returns Distribution Density
The distribution of Horizon Bancorp's historical returns is an attempt to chart the uncertainty of Horizon Bancorp's future price movements. The chart of the probability distribution of Horizon Bancorp daily returns describes the distribution of returns around its average expected value. We use Horizon Bancorp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Horizon Bancorp returns is essential to provide solid investment advice for Horizon Bancorp.
| Mean Return | -0.04 | Value At Risk | -2.5 | Potential Upside | 3.38 | Standard Deviation | 1.72 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Horizon Bancorp historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Horizon Stock Institutional Investors
| Shares | Lsv Asset Management | 2024-09-30 | 549.5 K | Rhino Investment Partners, Inc. | 2024-09-30 | 528.3 K | Northern Trust Corp | 2024-09-30 | 503.1 K | Pacific Ridge Capital Partners, Llc | 2024-09-30 | 422.7 K | Aqr Capital Management Llc | 2024-09-30 | 383.7 K | Charles Schwab Investment Management Inc | 2024-12-31 | 359.2 K | Morgan Stanley - Brokerage Accounts | 2024-09-30 | 356.2 K | Nuveen Asset Management, Llc | 2024-09-30 | 344.4 K | Harbour Trust & Investment Management Co | 2024-12-31 | 339.1 K | Blackrock Inc | 2024-09-30 | 6 M | Dimensional Fund Advisors, Inc. | 2024-09-30 | 2.4 M |
Horizon Bancorp Cash Flow Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Change In Cash | 150.9M | 343.8M | (470.0M) | 403.0M | 463.5M | 486.6M | |
| Free Cash Flow | 72.9M | 103.9M | 88.0M | 81.2M | 93.3M | 98.0M | |
| Depreciation | 10.6M | 11.2M | 13.1M | 12.0M | 13.8M | 14.5M | |
| Other Non Cash Items | 18.5M | 15.6M | 8.0M | 43.7M | 50.3M | 52.8M | |
| Dividends Paid | 21.2M | 24.8M | 27.8M | 28.3M | 32.6M | 34.2M | |
| Capital Expenditures | 5.9M | 1.4M | 6.4M | 7.8M | 8.9M | 9.4M | |
| Net Income | 68.5M | 87.1M | 93.4M | 28.0M | 32.2M | 24.0M | |
| End Period Cash Flow | 249.7M | 593.5M | 123.5M | 526.5M | 605.5M | 635.8M | |
| Investments | (234.4M) | (1.4B) | (524.0M) | (168.1M) | (151.3M) | (158.8M) | |
| Change Receivables | (2.1M) | (2.6M) | (4.2M) | (9.2M) | (8.2M) | (7.8M) | |
| Net Borrowings | (71.0M) | (15.9M) | 201.1M | 430.2M | 494.7M | 519.5M | |
| Change To Netincome | (3.0M) | 13.4M | (5.8M) | 2.3M | 2.7M | 2.8M |
Horizon Bancorp Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Horizon Bancorp or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Horizon Bancorp's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Horizon stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | -0.05 | |
β | Beta against Dow Jones | 0.86 | |
σ | Overall volatility | 1.69 | |
Ir | Information ratio | -0.03 |
Horizon Bancorp Volatility Alert
Horizon Bancorp exhibits very low volatility with skewness of -0.05 and kurtosis of 2.46. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Horizon Bancorp's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Horizon Bancorp's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Horizon Bancorp Fundamentals Vs Peers
Comparing Horizon Bancorp's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Horizon Bancorp's direct or indirect competition across all of the common fundamentals between Horizon Bancorp and the related equities. This way, we can detect undervalued stocks with similar characteristics as Horizon Bancorp or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Horizon Bancorp's fundamental indicators could also be used in its relative valuation, which is a method of valuing Horizon Bancorp by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Horizon Bancorp to competition |
| Fundamentals | Horizon Bancorp | Peer Average |
| Return On Equity | 0.0291 | -0.31 |
| Return On Asset | 0.0027 | -0.14 |
| Profit Margin | 0.11 % | (1.27) % |
| Operating Margin | (0.86) % | (5.51) % |
| Current Valuation | 1.71 B | 16.62 B |
| Shares Outstanding | 43.72 M | 571.82 M |
| Shares Owned By Insiders | 2.95 % | 10.09 % |
| Shares Owned By Institutions | 71.37 % | 39.21 % |
| Number Of Shares Shorted | 581.25 K | 4.71 M |
| Price To Earning | 9.20 X | 28.72 X |
| Price To Book | 0.98 X | 9.51 X |
| Price To Sales | 4.09 X | 11.42 X |
| Revenue | 220.47 M | 9.43 B |
| Gross Profit | 183.72 M | 27.38 B |
| EBITDA | 39 M | 3.9 B |
| Net Income | 27.98 M | 570.98 M |
| Cash And Equivalents | 112.47 M | 2.7 B |
| Cash Per Share | 2.58 X | 5.01 X |
| Total Debt | 1.47 B | 5.32 B |
| Debt To Equity | 8.94 % | 48.70 % |
| Book Value Per Share | 17.27 X | 1.93 K |
| Cash Flow From Operations | 88.94 M | 971.22 M |
| Short Ratio | 3.38 X | 4.00 X |
| Earnings Per Share | 0.80 X | 3.12 X |
| Target Price | 19.7 | |
| Number Of Employees | 818 | 18.84 K |
| Beta | 1.06 | -0.15 |
| Market Capitalization | 752.02 M | 19.03 B |
| Total Asset | 7.93 B | 29.47 B |
| Retained Earnings | 429.02 M | 9.33 B |
| Annual Yield | 0.04 % | |
| Five Year Return | 2.77 % | |
| Net Asset | 7.93 B |
Note: Acquisition by Thomas Prame of 10000 shares of Horizon Bancorp subject to Rule 16b-3 [view details]
Horizon Bancorp Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Horizon . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About Horizon Bancorp Buy or Sell Advice
When is the right time to buy or sell Horizon Bancorp? Buying financial instruments such as Horizon Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
Use Investing Ideas to Build Portfolios
In addition to having Horizon Bancorp in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
Run Financials Thematic Idea Now
Financials
Companies that provide financial services to business or retail customers. The Financials theme has 20 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Financials Theme or any other thematic opportunities.
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Check out Horizon Bancorp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For information on how to trade Horizon Stock refer to our How to Trade Horizon Stock guide.You can also try the Share Portfolio module to track or share privately all of your investments from the convenience of any device.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Horizon Bancorp. If investors know Horizon will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Horizon Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.108 | Dividend Share 0.64 | Earnings Share 0.8 | Revenue Per Share | Quarterly Revenue Growth 0.12 |
The market value of Horizon Bancorp is measured differently than its book value, which is the value of Horizon that is recorded on the company's balance sheet. Investors also form their own opinion of Horizon Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Horizon Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Horizon Bancorp's market value can be influenced by many factors that don't directly affect Horizon Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Horizon Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Horizon Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Horizon Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.