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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength

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GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth

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» HRZB's 10-Y Financials

Financials


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Equity & Asset
Oprt. Cash Flow & Free Cash Flow

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Valuation & Return

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Business Description

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Horizon Financial Corp. was serves as the holding company for Horizon Bank. The corporation's business activities generally are limited to passive investment activities and oversight of its investment in the bank. The bank's operations are conducted through its full-service office facilities, commercial loan centers, and real estate loan centers located in Northwest Washington. The bank's loan portfolio consists of loans secured by mortgages on one-to-four family residential properties, loans on multi-family residential properties, construction and land development loans, commercial loans, and commercial real estate loans. The bank originates both fixed rate and adjustable rate mortgages to small-medium sized businesses and professionals. Additionally, the bank holds a number of investments, including United States Treasury obligations, federal agency securities, municipal securities, common stock, preferred stock, corporate notes, and mortgage-backed securities. Savings accounts and deposit accounts are sources of funds for use in lending and other business purposes for the bank. The bank also derives funds from loan repayments, loan sales, and borrowings. Deposit products and services include savings accounts, nonnegotiable time deposits, certificates of deposit, individual retirement accounts, checking accounts, and money market deposit accounts.
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