HBNC (Horizon Bancorp (IN)) Tariff Resilience Score: 8/10 (As of Aug. 21, 2026)

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HBNC Horizon Bancorp (IN) HBNC
35 GF Score
Price $19.57
! 4 Warning Signs
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What is Horizon Bancorp (IN) Tariff Resilience Score?

Horizon Bancorp (IN) HBNC -0.15% 35 Tariff Resilience Score is 8 as of Aug. 21, 2026. GuruFocus rates HBNC with a GF Score™ of 35/100. The stock has 4 warning signs investors should review. Among 1,604 Banks companies, Horizon Bancorp (IN) ranks better than 78.8% on this metric.

Horizon Bancorp (IN) has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Horizon Bancorp (IN) has Regional bank with limited direct exposure to international trade. Minimal impact from tariffs on financial services, with primary operations in domestic markets.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Horizon Bancorp (IN) might have Highly Resilient.

Horizon Bancorp (IN)  (NAS:HBNC) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Horizon Bancorp (IN) Tariff Resilience Score Related Terms

HBNC vs CCNE, EQBK, ESQ: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Horizon Bancorp (IN)'s Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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) Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Horizon Bancorp (IN)'s Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Horizon Bancorp (IN)'s Tariff Resilience Score falls into.


HBNC
35GF Score
Horizon Bancorp (IN) HBNC
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Horizon Bancorp (IN) (HBNC) has a Tariff Resilience Score of 8 as of Aug. 21, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Horizon Bancorp (IN) ranks #340 out of 1604 companies in the Banks industry, placing it in the top 21.2%.
Is Horizon Bancorp (IN)'s Tariff Resilience Score too high?
Horizon Bancorp (IN)'s current Tariff Resilience Score is 8. Based on the distribution chart, Horizon Bancorp (IN) ranks #340 out of 1604 companies in the Banks industry, which is in the top quartile — a strong position 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 Tariff Resilience Score compare to CCNE and EQBK?
According to the Banks industry distribution chart, Horizon Bancorp (IN) ranks #340 out of 1604 companies for Tariff Resilience Score. This places Horizon Bancorp (IN) in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Horizon Bancorp (IN)'s current Tariff Resilience Score is 8. 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 Tariff Resilience Score of 8. The current Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Horizon Bancorp (IN) (HBNC), the current Tariff Resilience Score is 8 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) Business Description

Other Exchanges 4WC:Germany
Address 515 Franklin Street, Michigan City, IN, USA, 46360
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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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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