Horizon Bancorp, Inc. operates as the bank holding company for Horizon Bank that provides commercial and retail banking services to individuals and corporate clients in Indiana and Michigan in the United States. Valued at $1.04B, HBNC is a small-cap name in its sector. The company offers checking, savings, money market, certificates of deposit, and time deposit accounts, as well as non-interest and interest-bearing demand deposits.
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Horizon Bancorp, Inc. carries $397.2M in total debt against $278.5M in cash reserves — debt is modestly above the cash position. Managing this leverage effectively will be important for long-term financial stability. Return on equity stands at -20.1%, which is negative for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. Revenue has pulled back from $241.6M (2022) to -$31.3M (2025), a 113% decline worth watching.
As with any equity investment, HBNC carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. No single metric tells the full story. Reviewing HBNC's risk profile alongside its fundamentals and technical indicators provides a more complete picture.