Profitability
Weight: 25%
F
26
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.3%
- Operating Margin Trend -50.02 pp/yr
HBNC
Horizon Bancorp, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
F
25
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 3.6%
- 5yr Share-Count CAGR 3.9%
Growth Quality
Weight: 10%
C-
48
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 5.1%
- 5yr EPS CAGR -26.1%
- Positive-EPS Years (5) 4/5
Cash Generation
Weight: 5%
A+
99
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.40x
Balance Sheet
Weight: 30%
C+
58
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 10.7%
- Interest Coverage (EBIT/Int) -1.50x
Stability
Weight: 10%
C-
50
- EPS Volatility (σ/μ) 0.42
- Piotroski F-Score 5
- Negative-Revenue Years (5) 2/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 1 new buy; 1 added; 1 trimmed.
- Holders
- 3 +2
- Avg Δ position
- -79.0%
- New buys
- 1
- Full exits
- 0