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Horizon Bancorp (IN)HBNC -0.31%35 OCF Margin % is 44.77% as of Jun. 2026, which is 19% above its 10-year median of 37.47. GuruFocus rates HBNC with a GF Score™ of 35/100. The stock has 4 warning signs investors should review. Among 1,495 Banks companies, Horizon Bancorp (IN) ranks worse than 99.33% on this metric.
The historical data trend for Horizon Bancorp (IN)'s OCF 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.
For the Banks - Regional subindustry, Horizon Bancorp (IN)'s OCF Margin %, along with its competitors' market caps and OCF 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) OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Horizon Bancorp (IN)'s OCF Margin % distribution charts can be found below:
* The bar in red indicates where Horizon Bancorp (IN)'s OCF 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) (HBNC) has a OCF Margin % of 44.77% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Horizon Bancorp (IN) and its competitors. This is 19% above median its historical median of 37.47. According to the industry distribution chart, Horizon Bancorp (IN) ranks #1485 out of 1495 companies in the Banks industry, placing it in the top 99.3%.
Is Horizon Bancorp (IN)'s OCF Margin % too high?
Horizon Bancorp (IN)'s current OCF Margin % of 44.77% is 19% above median its 10-year median of 37.47. The Banks industry median OCF Margin % is 30.39. Horizon Bancorp (IN)'s value of 44.77% is 47.3% above this industry median. Based on the distribution chart, Horizon Bancorp (IN) ranks #1485 out of 1495 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 OCF Margin % compare to CCNE and EQBK?
According to the Banks industry distribution chart, Horizon Bancorp (IN) ranks #1485 out of 1495 companies for OCF Margin %. This places Horizon Bancorp (IN) in the lower half of its industry. The industry median OCF Margin % is 30.39. Horizon Bancorp (IN)'s value of 44.77% is 47.3% above this benchmark. While the company's 10-year median is 37.47 vs. the industry median of 30.39, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 30.39, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Horizon Bancorp (IN)'s current OCF Margin % of 44.77% is 47.3% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Horizon Bancorp (IN) and its competitors. For the Banks industry, the median OCF Margin % is 30.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Horizon Bancorp (IN)'s current OCF Margin % is 44.77%, which is 19% above median its own 10-year median of 37.47. 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 OCF Margin % of 44.77%. The current OCF Margin % is 44.77%, which is 19% above median its 10-year median of 37.47 and 47.3% above the Banks industry median of 30.39. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Horizon Bancorp (IN) (HBNC), the current OCF Margin % is 44.77% 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.
35GF Score
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