As of 2025-12-27, the Fair Value of Horizon Bancorp Inc (HBNC) is -18.38 USD. This value is based on the Peter Lynch's Fair Value formula. With the current market price of 17.46 USD, the upside of Horizon Bancorp Inc is -205.27%.
With the market price of 17.46 USD and our fair value calculation, Horizon Bancorp Inc (HBNC) is not a good investment. Investing in HBNC stocks now will result in a potential loss of 205.27%.
Note: valuation result may not be accurate due to the company's negative EPS.
Peter Lynch's formula is:
The earnings growth rate we use in the formula is the average growth rate of net income/earnings over the last 5 years. If the average growth rate is smaller than 5%, we set it to 5%. If it is larger than 25%, we set it to 25%. If the TTM EPS is negative, Peter Lynch Fair Value's result can be unreliable.
| Historical Earnings | ||||||
| 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 5Y Avg | |
| Net income | 68.50 | 87.10 | 93.40 | 27.98 | 35.43 | 62.48 |
| YoY growth | 3.01% | 27.15% | 7.23% | -70.04% | 26.62% | -1.21% |
| Market Cap (mil) | 894.30 |
| P/E | |
| Forward P/E | 24.51x |
| EPS | -3.68 |
| Avg earnings growth rate | -1.21% |
| TTM earnings | -188.28 |