HBNC · Horizon Bancorp Inc /In/

Track HBNC — free

$19.59 -0.05 (-0.25%) At close · Aug 20

Market Cap

$1.01B

51.34M

Up next

Next earnings call

Oct 21, 2026 Est · unconfirmed · in 9 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Aug 7, 2026

AI Brief

TL;DR.

Bullish

Bearish

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Ask ALVIS about this →

Equibles Rating

blended score · not investment advice

Overall

Neutral

SellHoldBuy

Technical Neutral Momentum Strong Sentiment Neutral Fundamentals Weak Quant / Vol Moderate

Market backdrop VIX 14.9 · calm Equity put/call 0.52

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +9%

above

Price vs 50-day avg −2%

below

RSI (14) 37

neutral

MACD trend Negative

52-week position 79%

mid-range

Momentum

relative strength

Strong

1-month return −2%

trailing

6-month return +16%

trailing

YTD return +16%

this year

Relative strength +5%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $20 › 200d $18 — 50d above 200d

Institutional flow Accumulating

+3% holders QoQ · +24 funds added

Insider flow Distributing

Net -$161.5K over 90 days · 100% sells

Short interest Rising

3.78% of float · ▲ +29.3% MoM · 2.5 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

204 holders — near 3-yr high, broad support

Squeeze score 62

elevated · 0–100

Fundamentals

Weak

EPS growth −505%

Y/Y

Free cash flow $74.3M

Balance sheet $460.3M

net debt

Quant / Vol

risk profile

Moderate

Volatility 27%

annualized · 1-yr

Max drawdown −17%

past year

ATR 2.1%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

what management promised — and delivered

Latest guidance · from the 8-K filed Jul 22, 2026

Effective tax rate · Full-Year 2026 Initiated 18% – 20%

Prior guidance period ended · from the 8-K filed Oct 22, 2025

Non-interest income · Q4 2025 $11M

Effective tax rate · Q4 2025 18% – 20%

Non-interest expense · Q4 2025 $40M

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Neutral

1 · 4 · 1

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+9% Bullish

Price vs 50-day avg

−2% Neutral

RSI (14)

37 Neutral

MACD trend

Negative Bearish

52-week position

79% Neutral

Market signals — smart money & positioning

Mixed

Trend (MA cross) No cross

50d $20 › 200d $18 — 50d above 200d

Institutional flow Accumulating

+3% holders QoQ · +24 funds added

Insider flow Distributing

Net -$161.5K over 90 days · 100% sells

Short interest Rising

3.78% of float · ▲ +29.3% MoM · 2.5 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

204 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $15 Now $20 · 79% Range high $21

vs 200-day avg +9% vs 50-day avg -2%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Annualized net charge-offs of average loans	0.05%	Q2 2026	—

Book value per common share	$14.21	Q2 2026	—
Common equity tier 1 capital (to risk-weighted assets)	11.09%	Q2 2026	—
Common shares outstanding	51,093,048	Q2 2026	—

Efficiency ratio	58.07%	Three Months Ended June 30, 2026	—
Net FTE interest margin non-GAAP	4.37%	Three Months Ended June 30, 2026	—

Non-accrual loans to HFI loans	0.65%	Q2 2026	—
Non-performing assets to total assets	0.66%	Three Months Ended June 30, 2026	—

Return on average assets	1.54%	Three Months Ended June 30, 2026	—

Return on average tangible common equity non-GAAP	18.05%	Three Months Ended June 30, 2026	—

Tangible book value per common share non-GAAP	$11.06	Q2 2026	—

Tangible common equity non-GAAP	$565.1M	Q2 2026	—
Tangible common equity to tangible assets non-GAAP	8.81%	Q2 2026	—

Tier 1 capital (to average assets)	10.17%	Q2 2026	—
Tier 1 capital (to risk-weighted assets)	12.17%	Q2 2026	—
Total capital (to risk-weighted assets)	15.01%	Q2 2026	—
Total equity to total assets	11.05%	Q2 2026	—

Total net charge-offs	605K	Q2 2026	—
Total non-performing assets	43.69M	Q2 2026	—
Total non-performing loans	34.93M	Q2 2026	—
Non-interest-bearing deposit growth (annualized)	22.8%	three months ended March 31, 2026	—
Total deposit growth (annualized)	11.3%	three months ended March 31, 2026	—
Allowance for credit losses to HFI loans	1.05%	Three Months Ended December 31, 2025	—
Return on average stockholders' equity	15.71%	Fourth Quarter 2025	—
Total loans to deposit ratio	92.62%	Three Months Ended December 31, 2025	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
HBNC Horizon Bancorp Inc /In/ this stock	$1.01B	+15.5%	—	—	3.8%
MFG Mizuho Financial Group Inc	$123.19B	+38.4%	—	—	0.1%
HDB Hdfc Bank Ltd	$118.97B	-36.1%	+15.2%	—	0.5%
IBN Icici Bank Ltd	$105.45B	-0.4%	—	—	0.5%
CIXPF CaixaBank/ADR	$100.59B	+18.7%	—	—	0.1%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

204

% held: 79.6%
Net QoQ: +524.9K sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

205

View

Short & Settlement

Short Interest Rising

Shares short

1.9M

Days to cover: 2.5d
Change: +439.5K sh

View

Short Volume

Short vol %

40%

As of: Aug 20, 2026

Short Total

View

Fails to Deliver

FTD shares

610

Value: $12.6K
As of: Jul 31, 2026

View

Off-Exchange

Off-exchange %

27.6%

Week of: Jul 13, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$161.5K

Buyers / Sellers: 0 / 1

Buyers Sellers

View

Financials

Net income (FY)

$-150.5M

EPS diluted: $-3.24

View

Buybacks

Authorized

shares 2.3M

View

Filings

SEC Filings

Latest

8-K

Filed: Aug 17, 2026
This year: 17

View

Proposed Sales

Value

$171.9K

Shares: 9.3K
Filed: May 26, 2026

View

Exempt Offerings

Offering

$100.0M

Filed: Sep 12, 2025

View

Earnings & Events

Earnings Calls

Last call

Jul 22, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
HBNC	-4.6%	-2.3%	+16.3%	-4.2%	+15.5%
SPY	-2.0%	+3.3%	+11.2%	+2.1%	+11.8%
vs SPY	-2.6%	-5.6%	+5.2%	-6.3%	+3.7%

Capital returns

Latest dividend

$0.16 / share · ex Jul 2, 2026

Raised 6.7%

Paid (TTM)

$0.64 / share · 4 payouts

Dividend yield (TTM, derived)

3.27%

Buyback program · as of Jul 16, 2019

Authorized

shares 2.25M

Spent (derived)

—

Remaining

—

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 706129 CUSIP 440407104 13F (30d) 182 filings 181 filers Visit website Investor relations

HBNC · Horizon Bancorp Inc /In/

Price & Indicators

Up next

AI Brief

Equibles Rating

Guidance & track record

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns