Horizon Bancorp (HBNC) Fundamental Analysis: Revenue, Earnings & Valuation

4.69 / 10

Netural

Fundamental rating is neutral with a 4.7/10 score. Strengths include Asset‑MV, Gross profit margin and cash metrics; the only weak spot is Net income‑Revenue. PB‑ROE is negative yet high quality, while Profit‑MV and Asset‑MV rank in upper quartiles, suggesting modest upside.

Analysis Checks(9/10)

Gross profit margin (%)

Value41.83

Score3/3

Weight6.42%

1M Return3.70%

Current liabilities / Total liabilities (%)

Value48.71

Score3/3

Weight6.42%

1M Return3.70%

Profit-MV

Value0.66

Score2/3

Weight14.02%

1M Return6.92%

Net income-Revenue

Value0.81

Score1/3

Weight10.65%

1M Return5.19%

PB-ROE

Value-0.95

Score3/3

Weight15.20%

1M Return7.21%

Non-current liabilities / Total liabilities (%)

Value53.45

Score3/3

Weight6.42%

1M Return3.70%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight6.42%

1M Return3.70%

Cash-UP

Value0.74

Score2/3

Weight7.74%

1M Return4.32%

Asset-MV

Value-0.55

Score2/3

Weight14.44%

1M Return6.73%

Cash-MV

Value0.25

Score2/3

Weight12.27%

1M Return6.14%

Is HBNC undervalued or overvalued?

HBNC scores 4.69/10 on fundamentals and holds a Fair valuation at present. Backed by its -20.73% ROE, 558.04% net margin, -5.71 P/E ratio, 1.25 P/B ratio, and -500.00% earnings growth, these metrics solidify its Netural investment rating.