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Horizon Bancorp, Inc.
HBNCFinancial ServicesNASDAQUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $103.17M | 1.0% | $1.03M | $61.90M | N/A |
| 2027 | $108.74M | 1.0% | $1.09M | $65.24M | $59.31M |
| 2028 | $114.61M | 1.0% | $1.15M | $68.77M | $56.83M |
| 2029 | $120.80M | 1.0% | $1.21M | $72.48M | $54.45M |
| 2030 | $127.32M | 1.0% | $1.27M | $76.39M | $52.18M |
| 2031 | $134.20M | 1.0% | $1.34M | $80.52M | $50.00M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | -$3.15 | 2025-12-31 |
| EPS growth | -40.0% | Forecast years: 5 |
| Future EPS | N/A | EPS × (1 + G)^5 |
| Base P/E | 4 | P/E |
| Future price | N/A | Future EPS × P/E |
| Fair value today | N/A | PV @ 10.0% |
| 30% safety price | N/A | Margin of safety |
| 50% safety price | N/A | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $14.196 | $16.734 | $20.194 |
| 10.0% | $11.624 | $13.495 | $15.942 |
| 11.0% | $9.595 | $11.02 | $12.824 |