Horizon Bancorp (HBNC) stock

Banking and loans , market cap $1.1B

Banking, loans, and trust services

Worth $1.1B

$21.30

+0.61%

As of Tuesday's close · Live for Pro members at the open

Quality Score

Above Average

In its industry

#55of 168

Banks

Checks firing

7of 14

Trending up

From 52-week high

-3.2%

under its best in a year

HBNC's Quality Score rose 5 points on Tue, Nov 10, to 11. A profit of $107M over the last four quarters, after a loss of $188M the four before.

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Key facts on HBNC

Key facts on HBNC
The chart	Above every average
Latest filing	10-Q, Nov 6 Filed its quarterly report (10-Q) for the quarter to Sep 30, 2026

1 more reason behind HBNC's 11, free with an account →1 more reason behind HBNC's 11, for Pro members.

What moves banks

Rate gap, 10-year minus 2-year+0.25 pt-0.09 ptTue Nov 10in a week

The 10-year Treasury yield minus the 2-year. Banks pay deposit rates tied to the short end and lend at rates tied to the long end, so this gap is one measure of their lending spread.

U.S. Treasury, daily yield curve, Tue Nov 10. Change over the week.

Net interest margin, deposits, 10-year Treasury yield, and 5 more, for Pro members.

HBNC catalysts

Coming up

After its last 4 reports it closed +1.2% on average, higher 3 of 4 times.

Why HBNC scores 11

Above Averagefor quality, not price, 7 of 14 chart checks firingWhat the Quality Score means

Well above its recent run. HBNC scores 11 today, against a median of 5 over its last 20 recorded sessions.

+7Chart checks 7 of 14 firing right now, one point each
+3Long-term trend above a rising 200-⁠day average, near its 52-⁠week high

Profit addsRead on the last four quarters against the four before, or the last full year where no quarters are filed.
Growth subtractsSales and margins against a year earlier: up to +3 for fast growth and widening margins, down to -2 when both shrink.

No effect today: Run-up, Size, Dilution, Volatility, Cash flow, Persistence, and News.

What every line is worth, and the reason behind it, on HBNC and every other stock.Get in free →

Price, score, chart checks, and the industry rank are from a snapshot taken at 11:01 PM ET, at least 15 minutes behind. How we rank stocks.

Tested. Our top-scored stocks returned 2.2x the average stock over the next month. Reconstructed after the fact; recorded live since Sep 9, 2026. How we tested it

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How HBNC ranks in Banks

HBNC is #55 of 168 by Quality Score.

How HBNC ranks in Banks
Rank	Stock	Checks	Quality Score
1	TMPTompkins Financial	8/14	18
2	CBCCentral Bancompany	10/14	18
3	CHCOCity	8/14	17
	GGALGrupo Financiero Galicia SA		Open for its score
	HBANHuntington Bancshares		Open for its score
	HDBHDFC Bank		Open for its score
	HFWAHeritage Financial		Open for its score
55	HBNCHorizon Bancorp	7/14	11

When does HBNC report earnings, and what happens after?

Expected to report Wed Jan 20, after the close (in 71 days).

What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.

What HBNC reported on Oct 21, 2026

The quarter

A profit of $0.56 a share.

“The increase in the provision for credit losses during the third quarter of 2026 when compared with the second quarter of 2026 was primarily due to changes in the economic forecast, net loan growth and an increase in specific reserves on commercial loans.”

The quarter that ended Sep 30, from the company's press release

The press release The filing on EDGAR

Where the sales came from

HBNC's results filing gives no sales by line in a table we read.

The outlook

No outlook figures read from this release.

In the company's words

“Despite a meaningful shift in the interest rate outlook since the beginning of the year, our expectations for the business have changed very little, underscoring the resiliency and predictability embedded in our business model,”

From its results filing (SEC filing · Oct 21)

1 more sentence, for Pro members.

The numbers

Market value: $1.1B; today

No analyst estimates on Breakaway: every figure here is filed.

The whole report on HBNC: every line of its sales, every outlook beside the one it replaced, and the company's words, for Pro members.

Close after the report, last 3

+1.4%-0.8%+2.0%

Apr 22Jul 22Oct 21

Reported	When	Gap	Reaction	5 days
Oct 21, 2026After close	After close	+0.6%	+2.0%	+5.6%
Jul 22, 2026After close	After close	-5.2%	-0.8%	+2.3%
Apr 22, 2026After close	After close	-0.3%	+1.4%	+2.0%

HBNC closed higher after 3 of its last 4 reports.

All 4 reports, and HBNC's Quality Score going into each

HBNC has 7 of 14 chart checks firing

Trend1 of 5 shown

MA FAN 21 EMA W.EMA HH/HL 52W HI

Volume1 of 3 shown

VOL VDU U/D VOL

Tight range1 of 3 shown

ATR SQZ SQUEEZE NR7

Buying1 of 3 shown

OBV+CLOSE HI SPRING

The other 10 checks on HBNC, and all 14 on every stock.Get in free →

HBNC RSI today: 63.6, above its 50-day and 200-day averages

Not scored

RSI 63.6, MACD above signal, above both averages. Not scored.13 readings

The deep dive on HBNC

What it does and how it makes money1 findingFor Pro members1 finding on what HBNC does and how it makes money, for Pro members
Where it stands2 findingsIts share count rose 8% in the year to Sep 30, 2026, and 17% in three years.Weighted shares, the quarter to Sep 30, 2026
Who holds and trades it2 findingsFor Pro members2 findings on who holds and trades HBNC, for Pro members

4 more findings on HBNC, each with its source, for Pro members.

Is HBNC's dividend covered? What its financials say

Its dividends come to 30% of its free cash flow.

HBNC's dividend against its free cash flow
Dividend	$0.64 a share a year Paid 4 times a year
Paid out	About $32.9M a year $0.64 a share on 51.3M shares, the count on its cover page as of Nov 4, 2026
Free cash flow	$111M The last four quarters, to Sep 30, 2026

HBNC insider trades

One insider sold $162K across 1 filing in the last 6 months. No open-⁠market buys on record. The newest:

SellKathie A. DeRuiter$162KExecutive Vice Presidentat $20.19 on Jul 27, filed Jul 29

SellKathie A. DeRuiterExecutive Vice President$162Kat $20.19 on Jul 27, filed Jul 29

HBNC's officers and directors

Officers and directors with a Form 4 in the last 12 months.

Thomas M. PrameChief Executive Officer · no trades on file
John R. StewartEVP - Chief Financial Officer · no trades on file
Kathie A. DeRuiterExecutive Vice President · 1 trade
Lynn KerberEVP & Ccbo · no trades on file
Mark E. SecorExecutive Vice President · no trades on file
Todd A. EtzlerExecutive Vice President & GC · no trades on file
Brian C. WalkerDirector · 1 trade
Larry S. MagnesenDirector · 1 trade

7 more officers and directors file at HBNC.

See insider trades by person

About Horizon Bancorp

Horizon Bancorp (IN) is a United States-based holding company providing banking services. It is engaged in providing commercial and retail banking services, corporate and individual trust and agency services, and other services incident to banking. The company also provides commercial loans, real estate loans, mortgage warehouse loans, consumer loans, and other credit facilities. The company has one principal business segment, commercial banking.

491 employeesMichigan City, INhorizonbank.com

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Price action, the company, and signals, each with its points, on HBNC and every other stock.
CEOs buying their own stock
Every CEO buy, biggest names first. Sort, filter, save the list, and set optional alerts.
Congress trades
A member's trades, newest first, each with its amount. Sort and filter the whole list.
14 chart checks, read for you
The ones firing on the stock, each in plain words, its rule a tap away.
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What would move HBNC's score: 5 things
2 more filings explained, a plain line each
Real-⁠time prices, no delay

BreakawayJul 29Kathie A. DeRuiter sold HBNC$162K at $20.19, filed Jul 29

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See HBNC's 14 chart checks

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Straight AnswersStraight Answers

As of Nov 10, 2026: HBNC's Quality Score is 11 (Above Average), #55 of 168 in Banks. Insiders sold $162K in the last 6 months (Form 4).

What does HBNC's Quality Score say?

HBNC scores 11 today, which Breakaway calls Above Average. It is #55 of 168 in Banks by Quality Score, with 7 of 14 chart checks firing. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.

What is HBNC's Quality Score?

HBNC scores 11 today, which Breakaway calls Above Average (11 to 14). That is #55 of 168 in Banks by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind HBNC's 11.

Are insiders buying HBNC?

One insider sold $162K across 1 filing in the last 6 months. No open-⁠market buys on record. The newest is Kathie A. DeRuiter, Executive Vice President, who sold $162K on Jul 27.

Are the prices delayed?

Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.