Horizon Bancorp (HBNC) Stock: Buy, Sell, or Hold?
HBNC - Horizon Bancorp, Inc. Common Stock
$19.78
0.02 (0.10%)
▲
5d:
+0.56%
30d:
-3.65%
90d:
+1.33%
BUY
MODERATE Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 28, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: HBNC shows positive signals but monitor for confirmation. Market pricing in 1.8% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: HBNC shows positive signals but monitor for confirmation. Market pricing in 1.8% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$23.29
Based on 4.5% avg growth
INTRINSIC VALUE TODAY
$14.46
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HBNC is currently trading at $19.78, which is considered fair relative to its 30-day fair value range of $19.50 to $20.34. The stock's valuation (Forward PE: 8.9) is in line with its historical norms (8.4). At these levels, the market is pricing in 1.8% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, HBNC is in a strong uptrend. The price is approaching resistance at $20.15. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HBNC scores 62/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $22.90 (+15.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, HBNC is in a strong uptrend. The price is approaching resistance at $20.15. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HBNC scores 62/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $22.90 (+15.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$19.50 -
$20.34
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
81.9%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (62/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($22.90)
- NEUTRAL: Market pricing in 1.8% annual earnings growth - fairly valued
- BULLISH: Bottoming setup score 62/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$19.50 -
$20.34
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$19.16
Resistance Level
$20.15
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.87
Wall Street Target
$22.90
(+15.8%)
Revenue Growth (YoY)
16.9%
Earnings Growth (YoY)
3.7%
Valuation Premium vs History
+1.8% premium
PE vs Historical
8.9 vs 8.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.8%
(market-implied from PE analysis)
1-Year Target
$20.14
(+2%)
2-Year Target
$20.50
(+4%)
3-Year Target
$20.87
(+6%)
3-Yr Target (if PE normalizes)
(PE: 9→8)
PE COMPRESSION
$19.76
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 4.9%)
$51.91
(+162%)
Base:
(SPY PE: 8.9, Growth: 4.9%)
$22.83
(+15%)
Bear:
(PE: 7.5, Growth: 4.9%)
$19.40
(-2%)
Share & Embed Analysis
Last updated: September 13, 2026 6:18 PM ET
Data refreshes hourly during market hours. Next update: 7:18 PM
Data refreshes hourly during market hours. Next update: 7:18 PM
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Technical Signals Check
Is HBNC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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