Horizon Bancorp, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Horizon Bancorp, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 113%
Sales fell 113% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-113% / -18%In 3 years sales changed by -113% while total assets changed by -18%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
97%Of every $100 the company owns, $97 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 56% of Financial Services companies in United States.
Tangible Net Worth Ratio
76%Of every $100 of net worth, $76 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 62% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (10)
Horizon Bancorp, Inc. made a loss over the last year. Horizon Bancorp, Inc. owes $0.89 for every $1 it owns. Horizon Bancorp, Inc. made a loss in the year to Dec 2025, after a profit the year before.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
LossHorizon Bancorp, Inc. made a loss over the last year, so its P/E ratio is not meaningful.
P/B ratio
1.41The share price is 1.41 times Horizon Bancorp, Inc.'s book value per share, higher than 62% of Financial Services companies in United States.
Market cap
$1.0 BThe total market value of all of Horizon Bancorp, Inc.'s shares at today's price (share price × number of shares), larger than 57% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$726 MWhat Horizon Bancorp, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$14.14Net worth divided by the number of shares. The share price of $19.99 is 1.4 times this, which is the P/B above.
Return on equity (ROE)
-19.0%Horizon Bancorp, Inc. lost 19.0% of its shareholders' money over the last year, lower than 92% of Financial Services companies in United States.
Owes vs Owns
0.89×Horizon Bancorp, Inc. owes $0.89 for every $1 it owns (high), higher than 73% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
3.27%Horizon Bancorp, Inc. pays 3.27% of its share price as dividends a year, higher than 59% of dividend-paying Financial Services companies in United States.
Revenue growth
-117%Revenue fell 117% in the year to Dec 2025.
Profit growth
LossHorizon Bancorp, Inc. made a loss in the year to Dec 2025, after a profit the year before.
Questions
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Horizon Bancorp, Inc.: $1.0 B ÷ $726 M (30 Jun 2026) = 1.4.
What is Horizon Bancorp, Inc.'s return on equity?
Horizon Bancorp, Inc. lost 19.0% of its shareholders' money over the last year, lower than 92% of Financial Services companies in United States.
How much does Horizon Bancorp, Inc. owe compared with what it owns?
Horizon Bancorp, Inc. owes $0.89 for every $1 it owns (high), higher than 73% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Horizon Bancorp, Inc. pay a dividend?
Yes. Horizon Bancorp, Inc. pays 3.27% of its share price as dividends a year, higher than 59% of dividend-paying Financial Services companies in United States.
Is Horizon Bancorp, Inc.'s revenue growing?
Revenue fell 117% in the year to Dec 2025.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.