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HORIZON BANCORP INC /IN/

HBNC

$20.43 ▼ -0.04 (-0.20%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Weak

Neutral

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Analytical Summary

HORIZON BANCORP INC /IN/ shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $949.7M

Dividend Yield 3.13%

Revenue Growth N/M

Op. Margin None

ROIC None

FCF / Share None

Trailing P/E —

Price / Book 1.5x

FCF Yield —

Debt / Equity 0.36

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$-26.97M

↓ -114.1% —

Net Income Profit after all expenses

$-150.48M

↓ -524.7% —

Operating Margin Operating profit as % of sales

14.3%

↓ -31.3% —

Long-Term Debt Long-term obligations

$248.59M

↓ -79.8% —

Health Breakdown

Returns

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.64 Latest / share

+0.0% YoY

-27.7% 12-yr CAGR

$22.67

FY 2014

$25.78

FY 2015

$0.27

FY 2016

$0.33

FY 2017

$0.40

FY 2018

$0.46

FY 2019

$0.48

FY 2020

$0.56

FY 2021

$0.63

FY 2022

$0.64

FY 2023

$0.64

FY 2024

$0.64

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	N/M	2.0% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-66%)	-24.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-500%)	3.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-49%)	3.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-34%)	13.1% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+118%)	20.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+244%)	16.3% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+172%)	19.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+226%)	15.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+159%)	17.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+196%)	2.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-62%)	2.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-66%)	25.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+317%)	1.3% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-78%)	7.8% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+30%)	—	—
EPS Growth YoY (%)	N/M	26.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-70.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	7.5% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	27.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	2.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	10.1% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	44.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	20.0% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-99.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-2.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-12.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-5.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	54.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	26.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	15.0% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	N/M	26.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-70.0% Weak ↓ Weak Declining Year-over-year change in net income	7.3% Fair ↓ Fair Declining Year-over-year change in net income	27.1% Excellent ↓ Excellent Declining Year-over-year change in net income	2.9% Caution ↓ Caution Declining Year-over-year change in net income	25.3% Excellent ↓ Excellent Declining Year-over-year change in net income	60.4% Excellent ↑ Excellent Improving Year-over-year change in net income	38.5% Excellent ↑ Excellent Improving Year-over-year change in net income	16.4% Good ↑ Good Improving Year-over-year change in net income	13.5% Fair ↓ Fair Declining Year-over-year change in net income	-8.9% Weak ↓ Weak Declining Year-over-year change in net income	1.7% Caution ↓ Caution Declining Year-over-year change in net income	52.7% Excellent ↑ Excellent Improving Year-over-year change in net income	22.4% Good Good Year-over-year change in net income	14.4% Fair Fair Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	—	-7.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-6.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	6.6% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	12.4% Good ↓ Good Declining Compound annual revenue growth over 3 years	16.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	18.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	17.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	17.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	11.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	7.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	8.9% Fair Fair Compound annual revenue growth over 3 years	11.0% Good Good Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	—	-1.2% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	2.1% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	11.2% Good ↓ Good Declining Compound annual revenue growth over 5 years	14.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	17.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	18.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	14.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.2% Good ↑ Good Improving Compound annual revenue growth over 5 years	12.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	9.3% Good Good Compound annual revenue growth over 5 years	7.3% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	-25.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-25.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	11.8% Good ↓ Good Declining Compound annual EPS growth over 3 years	12.7% Good ↑ Good Improving Compound annual EPS growth over 3 years	17.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	24.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-74.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-77.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-80.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-6.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	8.5% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	22.6% Excellent Excellent Compound annual EPS growth over 3 years	30.9% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	—	14.3% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	20.8% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	42.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+71%)	42.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+71%)	34.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	39.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)	37.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	33.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	26.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	26.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	27.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	—	—	—	—	—	—
Effective Tax Rate (%) (%)	25.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-29.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.3% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.0% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.7% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.9% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.9% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.0% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.4% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—
Profit Margin (%) (%)	—	18.5% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	14.9% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	37.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	36.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	29.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	32.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	31.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	22.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.7% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	19.5% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	20.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	22.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	18.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	15.5% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	14.6% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	-2.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	—	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	-21.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-282%)	4.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	3.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	13.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+15%)	12.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	9.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	10.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	10.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	7.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	7.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	7.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	9.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	12.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	9.3% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	8.0% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.36x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-70%)	1.61x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+34%)	1.88x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+57%)	1.69x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+41%)	0.93x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-22%)	0.69x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-43%)	—	—	—	—	1.68x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+40%)	1.81x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+51%)	3.12x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+160%)	4.35x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+263%)	6.09x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+408%)	2.32x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+94%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$-0.58	$4.38	$4.30	$5.67	$5.47	$5.23	$4.69	$4.41	$4.20	$4.05	$444.58	$437.84	$450.09	$476.74	$410.48	—	—	—
Basic EPS, GAAP (USD)	$-3.24	$0.81	$0.64	$2.14	$1.99	$1.56	$1.53	$1.39	$0.96	$0.80	$86.22	$88.00	$100.44	$106.22	$68.89	$54.52	$47.41	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.64	$0.64	$0.64	$0.63	$0.56	$0.48	$0.46	$0.40	$0.33	$0.27	$25.78	$22.67	$18.67	$16.89	—	$13.33	$13.33	—
Book Value per Share (USD)	$13.44	$17.27	$16.30	$15.42	$16.61	$15.78	$14.59	$12.82	$11.94	$11.37	$993.24	$937.87	$847.18	$819.87	$727.40	—	—	—
Tangible Book Value per Share (USD)	$10.41	$13.76	$12.78	$11.88	$13.06	$12.33	$11.22	$9.70	$8.81	$8.80	$808.61	$801.95	$745.49	$748.51	$692.01	—	—	—
Basic Weighted Avg Shares (shares)	46.49M	43.70M	43.63M	43.57M	43.80M	44.04M	43.49M	38.35M	34.55M	29.98M	236,482	203,866	193,935	179,420	166,663	—	—	—
Dividend Payout Ratio (%)	-19.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	79.0% Caution Caution Dividends paid as a percentage of earnings Optimal: 30-60%	100.0% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$248.59M	$1.23B	$1.35B	$1.14B	$675.75M	$475.00M	—	—	—	—	$449.35M	$351.20M	$256.30M	$345.76M	$370.11M	—	—	—
Total Equity (USD)	$688.25M	$763.58M	$718.81M	$677.38M	$723.21M	$692.22M	$656.02M	$491.99M	$457.08M	$340.86M	$266.83M	$194.41M	$164.52M	$158.97M	$121.47M	$112.28M	$114.61M	$103.35M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$-26.97M	$191.57M	$187.74M	$246.97M	$239.64M	$230.56M	$203.85M	$168.98M	$145.24M	$121.45M	$105.14M	$89.26M	$87.29M	$85.54M	$68.41M	$67.52M	$62.62M	—
Depreciation Expense (USD)	$10.30M	$10.33M	$10.94M	$10.75M	$11.17M	$10.59M	$9.69M	$6.81M	$5.94M	$5.28M	$4.15M	$3.78M	$3.36M	$2.88M	$2.52M	$2.32M	$2.28M	—
Net Income, GAAP (USD)	$-150.48M	$35.43M	$27.98M	$93.41M	$87.09M	$68.50M	$66.54M	$53.12M	$33.12M	$23.91M	$20.55M	$18.10M	$19.88M	$19.54M	$12.80M	$10.46M	$9.14M	—
Operating Cash Flow (USD)	$79.23M	$6.37M	$88.94M	$94.38M	$105.35M	$78.77M	$174.37M	$72.44M	$49.06M	$25.55M	—	—	$46.97M	$26.35M	$22.41M	$24.88M	$14.71M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.6%	2.4%	2.2%	2.5%	2.5%	2.9%	3.1%	3.2%	2.8%	—	2.8%	3.0%	3.5%	3.1%	3.1%	3.4%	—	—
Efficiency Ratio (%) (%)	-638.9%	82.9%	77.9%	58.0%	58.1%	57.0%	59.9%	60.7%	65.3%	71.5%	70.6%	69.4%	67.0%	63.2%	67.5%	63.0%	60.4%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

HORIZON BANCORP INC /IN/

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