Pulling SEC filings + quote and writing the call…
Not at current levels — our verdict on HORIZON BANCORP INC /IN/ (HBNC) is HOLD (conviction 3 of 5): fairly priced on the filings; own it, don't chase it.
FY25 GAAP loss masks a deliberate balance-sheet reset; Q4 run-rate (ROE 15.7%, NIM 4.29%) suggests the worst is behind it.
We re-rate when the company’s filings change, never the chart. Every change lands on the Flip Side and is scored on the live track record.
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 25, 2026, 10:19 AM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.