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Horizon Bancorp, Inc.: Business Overview, Financials & Competitive Analysis

Horizon Bancorp is the bank holding company for Horizon Bank, providing comprehensive commercial and retail banking services including various deposit products, commercial and residential real estate loans, consumer l...

Analyst-debate audio for Horizon Bancorp, Inc.

AskCyborg analysts argue the bull and bear cases for Horizon Bancorp, Inc. across 11 stress-tested dimensions. Listen on your commute -- faster than reading the 30-page report.

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6/ 10Solid

Cyborg Score thesis

Regional community bank with solid fundamentals and local market expertise, offering moderate growth and income potential for...

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Industry Regional Banking / Community Banking
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: September 14, 2026
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Horizon Bancorp, Inc. Overview

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Horizon Bancorp is the bank holding company for Horizon Bank, providing comprehensive commercial and retail banking services including various deposit products, commercial and residential real estate loans, consumer loans, and trust and wealth management services. The company operates through full-service offices in northern and central Indiana and southern and central Michigan.

Strategic Profile

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Horizon Bancorp differentiates itself through local decision-making and deep community commitment, with experienced regional professionals managing each branch to tailor financial solutions based on local market insights. Indiana's strengthening economy provides a key loan growth catalyst for the bank.

Competitive Landscape

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Operating in the competitive regional and community banking landscape, Horizon Bancorp distinguishes itself through emphasis on local control and deep community ties, unlike larger multinational banks relying on centralized decision-making. Competes with regional banks and larger national institutions in the Midwest.

Industry Context

Horizon Bancorp, Inc. operates in Regional Banking / Community Banking.

Key facts

Founded: 1873 · Headquarters: Michigan City, Indiana · Employees: 841 · Revenue: $186.19M · Market cap: $933M

What the analysts stress-tested

The top findings that survived the multi-agent debate for Horizon Bancorp, Inc..

  • Analysts maintain a "Buy" rating with a 12-month price target of $19.67, representing 20.97% upside from recent price levels.
  • Loan growth will likely slow significantly due to planned runoff of auto loans.
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Recent developments

Material events tracked by the AskCyborg corpus.

  • August 2025Launched underwritten public offering
  • July 2025Appointed John Hatfield as new executive
  • +1 moreTrack every material event for Horizon Bancorp, Inc. as it happens. Explore monitoring →
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Regional Banking ServicesMulti-state regional bank→Community Banking ServicesCommunity-focused bank holding company→Regional Banking ServicesMidwest regional bank→

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Industry context

Horizon Bancorp, Inc. operates in Regional Banking / Community Banking. See how the rest of the sector scores on the Cyborg framework.

Top companies in Regional Banking by Cyborg Score

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Frequently asked questions

What does Horizon Bancorp, Inc. do?+
Horizon Bancorp is the bank holding company for Horizon Bank, providing comprehensive commercial and retail banking services including various deposit products, commercial and residential real estate loans, consumer l...
What is Horizon Bancorp, Inc.'s Cyborg Score?+
Horizon Bancorp, Inc. has a Cyborg Score of 6/10 (Solid). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Horizon Bancorp, Inc.'s main competitors?+
Named competitors include Regional Banking Services, Community Banking Services, Regional Banking Services. The full competitive landscape is in the AskCyborg report.
How can I get the full Horizon Bancorp, Inc. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Horizon Bancorp, Inc. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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More Regional Banking research

Companies in the same sector and named competitors, ranked by Cyborg Score.

8East West Bancorp, Inc.8Fifth Third Bancorp8M&T Bank Corporation8Red River Bancshares, Inc.7Ames National Corporation7Atlantic Union Bankshares Corporation7Banc of California, Inc.7BancFirst Corporation7Banco del Bajío, S.A., Institución de Banca Múltiple7Bank of Ireland Group plcTop companies in Regional Banking by Cyborg Score