Nama's AI scorecard currently rates Horizon Bancorp Hold (4.3 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is HBNC's P/E ratio?

Horizon Bancorp trades at a trailing price-to-earnings ratio of 10.0.

When does HBNC report earnings?

Horizon Bancorp's next scheduled report is on Jan 20, 2027. Analysts expect EPS of $0.54.

What is the HBNC price target?

The median analyst price target from 5 analysts is $24.00, with a range of $23.00 – $25.00.

Is HBNC Shariah compliant?

Nama's AAOIFI-style screen reads Horizon Bancorp as Not Shariah Compliant. At least one of the three ratios or the industry test failed.

Does HBNC pay a dividend?

Yes — Horizon Bancorp's dividend yield is 3.1%.

Nama Insights

Horizon Bancorp (HBNC)

Financial Services · Banks Regional · NASDAQ

Horizon Bancorp (HBNC) is a Financial Services company in the Banks Regional industry. It has a market capitalization of $1.06B and a trailing price-to-earnings ratio of 10.0. Over the most recent reported fiscal year, revenue declined 116.7%. Nama's AI scorecard rates it Hold, 4.3 out of 10. On 12-month momentum it ranks in the rising band of its market.

AI scorecard

Hold · 4.3/10

The sections balance. As of Nov 7, 2026.

Momentum

Rising · +21.6% over 12 months ex. last

Second-best fifth of its market on the past year's move.

Shariah screen

Not Shariah Compliant

At least one of the three ratios or the industry test failed.

Off its high

-12.6%

How far the last close sits under the highest price of the past five years.

Market cap	$1.06B
Trailing P/E	10.0
Price / book	1.5
Price / sales	3.6
FCF yield	—
Dividend yield	3.1%
Gross margin	0.0%
Operating margin	—
Net margin	35.9%
Revenue growth (YoY)	-116.7%
Revenue growth (3-yr annual)	—
EPS growth (YoY)	+85.9%
FCF/share growth (YoY)	—
Beta	0.8
Exchange	NASDAQ
Sector	Financial Services
Industry	Banks Regional

HBNC earnings

Next report: Jan 20, 2027 (Q4 2026, EPS estimate $0.54). Beat the EPS estimate in 3 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q3 2026	Oct 21, 2026	$0.56	$0.54	+3.7%	—
Q2 2026	Jul 22, 2026	$0.49	$0.51	-3.9%	$74.09M
Q1 2026	Apr 22, 2026	$0.51	$0.48	+6.2%	$72.26M
Q4 2025	Jan 21, 2026	$0.52	$0.50	+4.0%	$73.75M

HBNC analyst price target

Median target $24.00 from 5 analysts, ranging $23.00 – $25.00.

Banks Regional peers

Ticker	Company	Market cap	P/E
HDB	HDFC Bank	$129.32B	15.9
IBN	ICICI Bank	$121.68B	21.2
MFG	Mizuho Financial Group	$113.48B	13.1
USB	U.S. Bancorp	$92.63B	11.6
PNC	PNC Financial Services Group	$89.43B	12.0
ITUB	Itaú Unibanco	$81.45B	8.6
LYG	Lloyds Banking Group	$72.69B	9.8
DB	Deutsche Bank Aktiengesellschaft	$64.60B	10.5

Explore live HBNC data on Nama Insights →

HBNC FAQ

Is HBNC a buy?: Nama's AI scorecard currently rates Horizon Bancorp Hold (4.3 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is HBNC's P/E ratio?: Horizon Bancorp trades at a trailing price-to-earnings ratio of 10.0.
When does HBNC report earnings?: Horizon Bancorp's next scheduled report is on Jan 20, 2027. Analysts expect EPS of $0.54.
What is the HBNC price target?: The median analyst price target from 5 analysts is $24.00, with a range of $23.00 – $25.00.
Is HBNC Shariah compliant?: Nama's AAOIFI-style screen reads Horizon Bancorp as Not Shariah Compliant. At least one of the three ratios or the industry test failed.
Does HBNC pay a dividend?: Yes — Horizon Bancorp's dividend yield is 3.1%.