Profitability
Weight: 25%
F
14
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2024) 82.5%
- Efficiency Ratio Trend +0.79 pp/yr
HBNC
Horizon Bancorp, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
F
21
- 5yr Avg ROE 2.5%
- 5yr Share-Count CAGR 3.1%
Growth Quality
Weight: 15%
F
21
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR -16.5%
- Efficiency Ratio Trend (growth quality check) +0.79 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
F
17
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.10
Balance Sheet
Weight: 20%
A-
82
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 10.7%
Stability
Weight: 10%
C-
46
- EPS Volatility (σ/μ) 0.42
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 4
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 3 gurus held; 1 added; 1 trimmed; 1 full exit.
- Holders
- 2 -1
- Avg Δ position
- +261.5%
- New buys
- 0
- Full exits
- 1