Horizon Bancorp, Inc. cash flow to debt ratio of 19.59% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Horizon Bancorp, Inc.'s free cash flow has increased 5.68K% from $1.28M last year to $74.28M, signaling increasing performance

Horizon Bancorp, Inc.'s debt to equity ratio is 0.52, which means that the company's assets are healthy financed, signaling financial stability.

Horizon Bancorp, Inc.'s debt has decreased relative to shareholder equity from 1.76 last year to 0.52 today, signaling strengthened financials

Horizon Bancorp, Inc. has negative EBITDA, making leverage ratio unreliable

Horizon Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Horizon Bancorp, Inc.'s profit margin has decreased (1.61K%) in the last year from 9.97% to -150.89%, signaling decreasing performance

Horizon Bancorp, Inc.'s short-term assets of $100.43M exceed its short-term liabilities of $88.47M

Horizon Bancorp, Inc.'s return on assets of 0.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

Horizon Bancorp, Inc.'s return on equity of -20.76%, is lower than 15.00%, indicating bad performance

Horizon Bancorp, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Horizon Bancorp, Inc. had positive net income in 4 out of 5 years, indicating stable and consistent earnings

Horizon Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Horizon Bancorp, Inc. has a free cash flow yield of 7.16%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Horizon Bancorp, Inc.'s yearly earnings has decreased 524.75% since last year from $35.43M to $-150.48M, signaling decreasing performance

Horizon Bancorp, Inc.'s yearly revenue has decreased 70.97% since last year from $355.38M to $103.17M, signaling decreasing performance

ROIC -12.27% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Horizon Bancorp, Inc.'s 3-year revenue CAGR of -28.14% is negative, indicating declining revenue over the past 3 years

Horizon Bancorp, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

Horizon Bancorp, Inc. had positive ROE in 4 out of 5 years, indicating consistent and reliable returns on equity

Horizon Bancorp, Inc. has insufficient data to evaluate this check.

Horizon Bancorp, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

Horizon Bancorp, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Horizon Bancorp, Inc. has negative or missing EBITDA, making EV/EBITDA ratio unreliable

Horizon Bancorp, Inc. is overvalued relative to its fair value price of 1.81 based on Earnings Fair Value model

Horizon Bancorp, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

Horizon Bancorp, Inc. has a price-to-book ratio of 1.42x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Horizon Bancorp, Inc. has a price-to-sales ratio of 10.82x, which exceeds the 8.00x threshold, indicating the stock may be overvalued relative to its revenue