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Horizon Bancorp (IN)HBNC -0.28%35 FCF Yield % is 9.35 as of Aug. 21, 2026, which is 12% below its 10-year median of 10.60. GuruFocus rates HBNC with a GF Score™ of 35/100. The stock has 4 warning signs investors should review. Among 1,497 Banks companies, Horizon Bancorp (IN) ranks better than 56.18% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Horizon Bancorp (IN) FCF Yield % Related Terms
Horizon Bancorp (IN) FCF Yield % Historical Data
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The historical data trend for Horizon Bancorp (IN)'s FCF Yield % 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.
For the Banks - Regional subindustry, Horizon Bancorp (IN)'s FCF Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Horizon Bancorp (IN)'s FCF Yield % distribution charts can be found below:
* The bar in red indicates where Horizon Bancorp (IN)'s FCF Yield % 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) (HBNC) has a FCF Yield % of 9.35 as of Aug. 21, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Horizon Bancorp (IN) and its competitors. This is 12% below median its historical median of 10.60. According to the industry distribution chart, Horizon Bancorp (IN) ranks #656 out of 1497 companies in the Banks industry, placing it in the top 43.8%.
Is Horizon Bancorp (IN)'s FCF Yield % too high?
Horizon Bancorp (IN)'s current FCF Yield % of 9.35 is 12% below median its 10-year median of 10.60. The Banks industry median FCF Yield % is 8.15. Horizon Bancorp (IN)'s value of 9.35 is 14.7% above this industry median. Based on the distribution chart, Horizon Bancorp (IN) ranks #656 out of 1497 companies in the Banks industry, which is above the industry midpoint. Overall, Horizon Bancorp (IN) has a GF Score™ of 35/100, reflecting its overall financial health beyond just this single metric.
How does Horizon Bancorp (IN)'s FCF Yield % compare to CCNE and EQBK?
According to the Banks industry distribution chart, Horizon Bancorp (IN) ranks #656 out of 1497 companies for FCF Yield %. This puts Horizon Bancorp (IN) in the upper half of its industry. The industry median FCF Yield % is 8.15. Horizon Bancorp (IN)'s value of 9.35 is 14.7% above this benchmark. While the company's 10-year median is 10.60 vs. the industry median of 8.15, 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.15, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Horizon Bancorp (IN)'s current FCF Yield % of 9.35 is 14.7% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Horizon Bancorp (IN) and its competitors. For the Banks industry, the median FCF Yield % is 8.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Horizon Bancorp (IN)'s current FCF Yield % is 9.35, which is 12% below median its own 10-year median of 10.60. 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) (HBNC) has a current FCF Yield % of 9.35. The current FCF Yield % is 9.35, which is 12% below median its 10-year median of 10.60 and 14.7% above the Banks industry median of 8.15. Horizon Bancorp (IN)'s overall GF Score™ is 35/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Horizon Bancorp (IN) (HBNC), the current FCF Yield % is 9.35 as of Aug. 21, 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.
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