Horizon Bancorp (HBNC) Stock: Buy, Sell, or Hold?
HBNC - Horizon Bancorp, Inc. Common Stock
$19.48
0.40 (2.10%)
▲
5d:
+1.04%
30d:
-0.87%
90d:
-2.31%
HOLD
LOW Confidence
Analysis Updated: Oct 2, 2026 12:00 AM ET
Earnings: Oct 28, 2026
23d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: HBNC is fairly valued with market pricing in 1.1% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: HBNC is fairly valued with market pricing in 1.1% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$23.62
Based on 4.7% avg growth
INTRINSIC VALUE TODAY
$14.66
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 $19.48, which is considered fair relative to its 30-day fair value range of $19.16 to $19.73. The stock's valuation (Forward PE: 8.7) is in line with its historical norms (8.4). At these levels, the market is pricing in 1.1% 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 uptrend. The price is approaching resistance at $19.80. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HBNC scores 75/100 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 (+17.6%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, HBNC is in a uptrend. The price is approaching resistance at $19.80. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HBNC scores 75/100 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 (+17.6%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$19.16 -
$19.73
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
81.9%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($22.90)
- NEUTRAL: Market pricing in 1.1% annual earnings growth - fairly valued
- CAUTION: Bottoming setup, but lagging the sector by 15% over 20 days — wait for relative strength
Trading Range Analysis
30-Day Trading Range
$19.16 -
$19.73
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$18.49
Resistance Level
$19.80
Current Trend
Uptrend
Technical data as of
Oct 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.70
Wall Street Target
$22.90
(+17.6%)
Revenue Growth (YoY)
16.9%
Earnings Growth (YoY)
3.7%
Valuation Premium vs History
+1.1% premium
PE vs Historical
8.7 vs 8.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.1%
(market-implied from PE analysis)
1-Year Target
$19.69
(+1%)
2-Year Target
$19.91
(+2%)
3-Year Target
$20.13
(+3%)
3-Yr Target (if PE normalizes)
(PE: 9→8)
PE COMPRESSION
$19.44
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 5.3%)
$53.30
(+174%)
Base:
(SPY PE: 8.7, Growth: 5.3%)
$22.72
(+17%)
Bear:
(PE: 7.4, Growth: 5.3%)
$19.31
(-1%)
Share & Embed Analysis
Last updated: October 03, 2026 9:57 PM ET
Data refreshes hourly during market hours. Next update: 10:57 PM
Data refreshes hourly during market hours. Next update: 10:57 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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