Horizon Bancorp vs First Financial
HBNC and THFF side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How HBNC and THFF compare
Horizon Bancorp is the larger company, worth 1.2 times as much as First Financial ($1.1B against $918M).
On earnings, First Financial is cheaper: it trades at 10.0× trailing earnings, against 10.2× for Horizon Bancorp.
Horizon Bancorp keeps more of each dollar of sales as profit, with a net margin of 35.4% compared with 32.0% at First Financial.
Both pay dividends: Horizon Bancorp yields 3.0% and First Financial 2.9%.
First Financial scores higher on the StockData Score (15 against 14 for Horizon Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | HBNC | THFF |
|---|---|---|
| Size and price | ||
| Market cap | $1.1B | $918M |
| Share price | $21.27 | $77.20 |
| Change, 1 year | 31.8% | 34.7% |
| Change, 5 years | 5.1% | 73.4% |
| Beta (5Y) | 0.75 | 0.55 |
| Employees | – | 946 |
| StockData Score | ||
| Total score | 14 | 15 (better) |
| Valuation score | 2 | 2 |
| Growth score | 0 | 2 (better) |
| Performance score | 4 | 5 (better) |
| Health score | 4 (better) | 3 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 10.2× | 10.0× (better) |
| P/S | 3.6× | 3.2× (better) |
| P/B | 1.6× | 1.4× (better) |
| P/FCF | 9.8× | 9.0× (better) |
| PEG | – | 2.13 |
| FCF yield | 10.2% | 11.1% (better) |
| Fair value | $19.36 | $74.62 |
| Margin of safety | −9.9% | −3.5% (better) |
| Growth | ||
| Revenue growth (TTM) | – | 12.8% |
| Revenue growth, 5Y average | – | 6.8% |
| Net income growth (TTM) | – | 23.6% |
| EPS growth (TTM) | – | 23.4% |
| EPS growth, 5Y average | – | 11.2% |
| Profitability | ||
| Net margin | 35.4% (better) | 32.0% |
| FCF margin | 37.0% (better) | 35.8% |
| Return on equity | 15.7% (better) | 14.3% |
| Financial health | ||
| Altman Z-score | 0.22 | 0.33 (better) |
| Piotroski F-score | – | 6 |
| Dividends and buybacks | ||
| Dividend yield | 3.0% (better) | 2.9% |
| Payout ratio | 30.9% | 28.4% |
| Years of dividend growth | 0 | 2 (better) |
| Dividend growth, 5Y average | 5.9% | 14.8% (better) |
| Buyback yield | – | 0.04% |
| Shareholder yield | 3.0% (better) | 2.9% |
| Ownership | ||
| Held by institutions | 79.7% | 81.6% |
| Held by insiders | 2.1% | 8.6% |
| Insider net buying, 12 months | −$138K | −$128K (better) |
| Short interest, % of float | 5.8% | 3.8% |
Go deeper
- HBNC stock overview
- HBNC income statement
- HBNC valuation and score
- THFF stock overview
- THFF income statement
- THFF valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.