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Horizon Bancorp (IN)HBNC -0.28%35 5-Year Yield-on-Cost % is 4.28 as of Aug. 21, 2026, which is 4% above its 10-year median of 4.10. GuruFocus rates HBNC with a GF Score™ of 35/100. The stock has 4 warning signs investors should review. Among 1,248 Banks companies, Horizon Bancorp (IN) ranks better than 56.81% on this metric.
Horizon Bancorp (IN)'s yield on cost for the quarter that ended in Jun. 2026 was 4.28.
The historical rank and industry rank for Horizon Bancorp (IN)'s 5-Year Yield-on-Cost % or its related term are showing as below:
HBNC'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.87 Med: 4.1 Max: 10.48
Current: 4.28
During the past 13 years, Horizon Bancorp (IN)'s highest Yield on Cost was 10.48. The lowest was 1.87. And the median was 4.10.
HBNC's 5-Year Yield-on-Cost % is ranked better than 56.81% of 1248
companies
in the Banks industry
Industry Median: 3.87
vs HBNC: 4.28
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Horizon Bancorp (IN) 5-Year Yield-on-Cost % Related Terms
HBNC vs CCNE, EQBK, ESQ: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Horizon Bancorp (IN)'s 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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) 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Horizon Bancorp (IN)'s 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Horizon Bancorp (IN)'s 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Horizon Bancorp (IN) (HBNC) has a 5-Year Yield-on-Cost % of 4.28 as of Aug. 21, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Horizon Bancorp (IN) and its competitors. This is near median its historical median of 4.10. Over the past decade, Horizon Bancorp (IN)'s 5-Year Yield-on-Cost % has ranged from 1.87 to 10.48. According to the industry distribution chart, Horizon Bancorp (IN) ranks #539 out of 1248 companies in the Banks industry, placing it in the top 43.2%.
Is Horizon Bancorp (IN)'s 5-Year Yield-on-Cost % too high?
Horizon Bancorp (IN)'s current 5-Year Yield-on-Cost % of 4.28 is near median its 10-year median of 4.10. Over the past 10 years, this metric has ranged from a low of 1.87 to a high of 10.48. The Banks industry median 5-Year Yield-on-Cost % is 3.87. Horizon Bancorp (IN)'s value of 4.28 is 10.6% above this industry median. Based on the distribution chart, Horizon Bancorp (IN) ranks #539 out of 1248 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 5-Year Yield-on-Cost % compare to CCNE and EQBK?
According to the Banks industry distribution chart, Horizon Bancorp (IN) ranks #539 out of 1248 companies for 5-Year Yield-on-Cost %. This puts Horizon Bancorp (IN) in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.87. Horizon Bancorp (IN)'s value of 4.28 is 10.6% above this benchmark. Historically, Horizon Bancorp (IN)'s own 5-Year Yield-on-Cost % has ranged from 1.87 to 10.48 over the past decade. While the company's 10-year median is 4.10 vs. the industry median of 3.87, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.87, based on 1,248 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Horizon Bancorp (IN)'s current 5-Year Yield-on-Cost % of 4.28 is 10.6% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Horizon Bancorp (IN) and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Horizon Bancorp (IN)'s current 5-Year Yield-on-Cost % is 4.28, which is near median its own 10-year median of 4.10. 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 5-Year Yield-on-Cost % of 4.28. The current 5-Year Yield-on-Cost % is 4.28, which is near median its 10-year median of 4.10 and 10.6% above the Banks industry median of 3.87. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Horizon Bancorp (IN) (HBNC), the current 5-Year Yield-on-Cost % is 4.28 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.
35GF Score
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