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Price (delayed)
$16.02
Market cap
$700.27M
P/E Ratio
37.26
Dividend/share
$0.64
EPS
$0.43
Enterprise value
$2.02B
Horizon Bancorp, Inc. is an independent, commercial bank holding company serving northern and central Indiana, and southern and central Michigan through its commercial banking subsidiary, Horizon Bank.
Highlights
The equity is up by 2.5% YoY
HBNC's P/E is 84% above its last 4 quarters average of 20.3
HBNC's EPS has shrunk by 77% YoY and by 20% QoQ
Key stats
What are the main financial stats of HBNC
Market
Valuations
Earnings
Shares outstanding
43.71M
Market cap
$700.27M
Enterprise value
$2.02B
Price to earnings (P/E)
37.26
Price to book (P/B)
0.97
Price to sales (P/S)
3.93
EV/EBIT
67.72
EV/EBITDA
48
EV/Sales
11.24
Revenue
$180M
EBIT
$29.87M
EBITDA
$42.14M
Free cash flow
$62.78M
Per share
Balance sheet
Liquidity
EPS
$0.43
Free cash flow per share
$1.42
Book value per share
$16.47
Revenue per share
$4.08
TBVPS
$175.57
Total assets
$7.91B
Total liabilities
$7.19B
Debt
$1.47B
Equity
$726.67M
Working capital
N/A
Debt to equity
2.02
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
31.39
Margins
Efficiency
Dividend
EBITDA margin
23.4%
Gross margin
100%
Net margin
10.6%
Operating margin
16.6%
Return on assets
0.2%
Return on equity
2.7%
Return on invested capital
0.3%
Return on capital employed
N/A
Return on sales
16.6%
Dividend yield
4%
DPS
$0.64
Payout ratio
148.8%
HBNC stock price
How has the Horizon Bancorp stock price performed over time
Intraday
6.02%
1 week
0.95%
1 month
3.09%
1 year
66.88%
YTD
11.95%
QTD
3.02%
Financial performance
How have Horizon Bancorp's revenue and profit performed over time
Revenue
$180M
Gross profit
$180M
Operating income
$29.87M
Net income
$19.12M
Gross margin
100%
Net margin
10.6%
HBNC's net income has dropped by 77% year-on-year and by 19% since the previous quarter
HBNC's net margin has dropped by 70% year-on-year and by 18% since the previous quarter
The operating income has plunged by 67% YoY and by 13% from the previous quarter
The operating margin has plunged by 57% YoY and by 11% from the previous quarter
Growth
What is Horizon Bancorp's growth rate over time
Valuation
What is Horizon Bancorp stock price valuation
P/E
37.26
P/B
0.97
P/S
3.93
EV/EBIT
67.72
EV/EBITDA
48
EV/Sales
11.24
HBNC's P/E is 84% above its last 4 quarters average of 20.3
HBNC's EPS has shrunk by 77% YoY and by 20% QoQ
The stock's price to book (P/B) is 21% more than its last 4 quarters average of 0.8 and 8% more than its 5-year quarterly average of 0.9
The equity is up by 2.5% YoY
The P/S is 36% above the last 4 quarters average of 2.9 and 31% above the 5-year quarterly average of 3.0
HBNC's revenue is down by 23% year-on-year
Efficiency
How efficient is Horizon Bancorp business performance
HBNC's return on assets has dropped by 80% year-on-year and by 33% since the previous quarter
HBNC's ROE has shrunk by 78% YoY and by 18% QoQ
The ROIC has plunged by 70% YoY and by 25% from the previous quarter
HBNC's ROS has shrunk by 57% YoY and by 11% QoQ
Dividends
What is HBNC's dividend history
DPS
$0.64
Dividend yield
4%
Payout ratio
148.8%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Horizon Bancorp financials performed over time
HBNC's total assets is 10% greater than its total liabilities
HBNC's debt is 102% greater than its equity
Horizon Bancorp's debt to equity has decreased by 2.4% YoY
The equity is up by 2.5% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.