Horizon Bancorp, Inc.

The grade, in three tenses

Headline 2.6 out of ten, 9 of 9 metrics filed: past 3.3 out of ten, present 2.2 out of ten, future 2.2 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

• Surviving crises (past): 2.1 out of ten. 3 warning events since 2017; the latest 2023-03-17. 21st percentile among 165 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Track record (past): 3.3 out of ten. +14.6% a year over 10 filed years; profitable in 9 of 10. 33rd percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Shareholder treatment (past): 5.0 out of ten. Share count grew 2.1% a year. 49% of cash flow returned. Insiders: 1 sales, 2 purchases. 50th percentile among 157 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Financial health (present): 2.3 out of ten. ROE -22%: lost 22¢ per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar. 23rd percentile among 161 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Industry position (present): 3.0 out of ten. bottom 30% of 155 in its family; net margin -41.5%. 30th percentile among 155 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Leadership (present): 0.8 out of ten. bottom 8% of 150 in its family for leadership; chief executive since 2025. 8th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
• Room to expand (future): 2.1 out of ten. bottom 21% of 142 in its family for room to expand. 21st percentile among 142 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Growth drivers (future): 3.0 out of ten. bottom 30% of 152 in its family for growth drivers. 30th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
• Expectations vs reality (future): 1.5 out of ten. bottom 15% of 150 in its family for expectations against reality. 15th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).

The filing record

Newest annual report: Form 10-K filed 2026-03-13 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-10-01 (on EDGAR). Newest filing: Form 8-K, 2026-10-01. Filings on record since 1995. Read from EDGAR 2026-10-12.

Who runs it

Prame, Thomas M (Chief Executive Officer); Deruiter, Kathie A (Executive Vice President); Etzler, Todd A. (Executive Vice President & GC); Secor, Mark E (Executive Vice President); Stewart, John R (EVP - Chief Financial Officer); Kerber, Lynn (EVP & CCBO); Ahern, Kevin (director); Blackhurst, Eric P. (director); Burnell, Lawrence E (director); Maass, Brian W (director); and 8 more. 18 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.

This file: Overview · Past · Present · Future · Filings · every company on file

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