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Horizon Bancorp (IN)FRA:4WC -9.83%36 FCF Margin % is 42.29% as of Jun. 2026, which is 22% above its 10-year median of 34.80. GuruFocus rates FRA:4WC with a GF Score™ of 36/100. The stock has 4 warning signs investors should review. Among 1,499 Banks companies, Horizon Bancorp (IN) ranks worse than 99.27% on this metric.
The historical data trend for Horizon Bancorp (IN)'s FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:4WC vs CCNE, EQBK, ESQ: FCF Margin % Comparison
For the Banks - Regional subindustry, Horizon Bancorp (IN)'s FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Horizon Bancorp (IN) FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Horizon Bancorp (IN)'s FCF Margin % distribution charts can be found below:
* The bar in red indicates where Horizon Bancorp (IN)'s FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Horizon Bancorp (IN) (FRA:4WC) has a FCF Margin % of 42.29% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Horizon Bancorp (IN) and its competitors. This is 22% above median its historical median of 34.80. According to the industry distribution chart, Horizon Bancorp (IN) ranks #1488 out of 1499 companies in the Banks industry, placing it in the top 99.3%.
Is Horizon Bancorp (IN)'s FCF Margin % too high?
Horizon Bancorp (IN)'s current FCF Margin % of 42.29% is 22% above median its 10-year median of 34.80. The Banks industry median FCF Margin % is 27.12. Horizon Bancorp (IN)'s value of 42.29% is 55.9% above this industry median. Based on the distribution chart, Horizon Bancorp (IN) ranks #1488 out of 1499 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Horizon Bancorp (IN) has a GF Score™ of 36/100, reflecting its overall financial health beyond just this single metric.
How does Horizon Bancorp (IN)'s FCF Margin % compare to CCNE and EQBK?
According to the Banks industry distribution chart, Horizon Bancorp (IN) ranks #1488 out of 1499 companies for FCF Margin %. This places Horizon Bancorp (IN) in the lower half of its industry. The industry median FCF Margin % is 27.12. Horizon Bancorp (IN)'s value of 42.29% is 55.9% above this benchmark. While the company's 10-year median is 34.80 vs. the industry median of 27.12, Horizon Bancorp (IN) has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.12, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Horizon Bancorp (IN)'s current FCF Margin % of 42.29% is 55.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Horizon Bancorp (IN) and its competitors. For the Banks industry, the median FCF Margin % is 27.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Horizon Bancorp (IN)'s current FCF Margin % is 42.29%, which is 22% above median its own 10-year median of 34.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Horizon Bancorp (IN) stock overvalued right now?
Horizon Bancorp (IN) (FRA:4WC) has a current FCF Margin % of 42.29%. The current FCF Margin % is 42.29%, which is 22% above median its 10-year median of 34.80 and 55.9% above the Banks industry median of 27.12. Horizon Bancorp (IN)'s overall GF Score™ is 36/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Horizon Bancorp (IN) (FRA:4WC), the current FCF Margin % is 42.29% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Horizon Bancorp (IN) is a United States-based holding company providing banking services. It is engaged in providing commercial and retail banking services, corporate and individual trust and agency services, and other services incident to banking. The company also provides commercial loans, real estate loans, mortgage warehouse loans, consumer loans, and other credit facilities. The company has one principal business segment, commercial banking.
36GF Score
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