Peer AnalysisHORIZON BANCORP (NASDAQ - HBNC)  

Data for trailing four quarters

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Performance Ratios (%)HBNCPeer
Median
Peer
Average
ROAA0.92 0.96 0.94 
ROAE8.57 9.04 8.79 
Net Interest Margin3.57 3.64 3.62 
Efficiency Ratio61.73 60.67 61.86 
Loans / Deposits93.75 89.92 89.04 
Asset Quality Ratios (%)   
NPAs / Assets0.41 0.73 0.95 
NCOs / Avg Loans0.04 0.08 0.12 
Reserves / Loans0.66 1.02 1.04 
Reserves / NPAs110.18 85.12 129.08 
Capital Ratios (%)   
Tier 1 Capital12.82 12.17 13.03 
Tangible Equity / Tangible Assets8.36 9.17 9.46 
Total Equity / Total Assets10.76 10.58 10.87 
Market Ratios   
Price / Earnings (x)21.41 19.51 19.76 
Price / Book (%)176.79 174.12 178.70 
Dividend Yield (%)1.83 1.68 1.60 
Horizon Bancorp's peer group consists of the following: 1st Source Corporation (SRCE), 1st United Bancorp, Inc. (FUBC), ACNB Corporation (ACNB), American National Bankshares Inc. (AMNB), Ameris Bancorp (ABCB), AmeriServ Financial, Inc. (ASRV), Ames National Corporation (ATLO), Arrow Financial Corporation (AROW), Bancorp, Inc. (TBBK), Bank of Kentucky Financial Corporation (BKYF), Bank of Marin Bancorp (BMRC), Banner Corporation (BANR), Bar Harbor Bankshares (BHB), BCB Bancorp, Inc. (BCBP), BNC Bancorp (BNCN), Bridge Bancorp, Inc. (BDGE), Bridge Capital Holdings (BBNK), Bryn Mawr Bank Corporation (BMTC), Camden National Corporation (CAC), Capital City Bank Group, Inc. (CCBG), Cardinal Financial Corporation (CFNL), Cascade Bancorp (CACB), Cass Information Systems, Inc. (CASS), CenterState Bank Corporation (CSFL), Central Pacific Financial Corp. (CPF), Centrue Financial Corporation (CFCB), Century Bancorp, Inc. (CNBKA), Chemung Financial Corporation (CHMG), Citizens & Northern Corporation (CZNC), City Holding Company (CHCO), CNB Financial Corporation (CCNE), CoBiz Financial Inc. (COBZ), Codorus Valley Bancorp, Inc. (CVLY), Colony Bankcorp, Inc. (CBAN), Community Bankers Trust Corporation (ESXB), Community Trust Bancorp, Inc. (CTBI), CommunityOne Bancorp (COB), ConnectOne Bancorp, Inc. (CNOB), ConnectOne Bancorp, Inc. (CNOB), CU Bancorp (CUNB), Customers Bancorp, Inc. (CUBI), Eagle Bancorp, Inc. (EGBN), Eastern Virginia Bankshares, Inc. (EVBS), Enterprise Bancorp, Inc. (EBTC), Enterprise Financial Services Corp (EFSC), Farmers Capital Bank Corporation (FFKT), Farmers National Banc Corp. (FMNB), Fidelity Southern Corporation (LION), Financial Institutions, Inc. (FISI), First Bancorp (FBNC), First Bancorp, Inc. (FNLC), First Busey Corporation (BUSE), First Business Financial Services, Inc. (FBIZ), First Community Bancshares, Inc. (FCBC), First Financial Bankshares, Inc. (FFIN), First Financial Corporation (THFF), First Merchants Corporation (FRME), First NBC Bank Holding Company (FNBC), First of Long Island Corporation (FLIC), First Security Group, Inc. (FSGI), First United Corporation (FUNC), Firstbank Corporation (FBMI), Flushing Financial Corporation (FFIC), German American Bancorp, Inc. (GABC), Great Southern Bancorp, Inc. (GSBC), Guaranty Bancorp (GBNK), Hanmi Financial Corporation (HAFC), Hawthorn Bancshares, Inc. (HWBK), Heartland Financial USA, Inc. (HTLF), Heritage Commerce Corp (HTBK), Heritage Financial Corporation (HFWA), Heritage Oaks Bancorp (HEOP), Home BancShares, Inc. (HOMB), Home Federal Bancorp, Inc. (HOME), Horizon Bancorp (HBNC), Hudson Valley Holding Corp. (HVB), Independent Bank Corporation (IBCP), Independent Bank Group, Inc. (IBTX), Intervest Bancshares Corporation (IBCA), Lakeland Bancorp, Inc. (LBAI), Lakeland Financial Corporation (LKFN), LegacyTexas Financial Group, Inc. (LTXB), LNB Bancorp, Inc. (LNBB), Macatawa Bank Corporation (MCBC), MainSource Financial Group, Inc. (MSFG), MBT Financial Corp. (MBTF), Mercantile Bank Corporation (MBWM), Merchants Bancshares, Inc. (MBVT), Metro Bancorp, Inc. (METR), Middleburg Financial Corporation (MBRG), MidSouth Bancorp, Inc. (MSL), MidWestOne Financial Group, Inc. (MOFG), Monarch Financial Holdings, Inc. (MNRK), MutualFirst Financial, Inc. (MFSF), National Bankshares, Inc. (NKSH), NewBridge Bancorp (NBBC), Northrim BanCorp, Inc. (NRIM), Old Line Bancshares, Inc. (OLBK), Old Second Bancorp, Inc. (OSBC), Orrstown Financial Services, Inc. (ORRF), Pacific Continental Corporation (PCBK), Pacific Mercantile Bancorp (PMBC), Pacific Premier Bancorp, Inc. (PPBI), Palmetto Bancshares, Inc. (PLMT), Park Sterling Corporation (PSTB), Peapack-Gladstone Financial Corporation (PGC), Penns Woods Bancorp, Inc. (PWOD), Peoples Bancorp Inc. (PEBO), Peoples Bancorp of North Carolina, Inc. (PEBK), Porter Bancorp, Inc. (PBIB), Preferred Bank (PFBC), Premier Financial Bancorp, Inc. (PFBI), QCR Holdings, Inc. (QCRH), Renasant Corporation (RNST), Republic Bancorp, Inc. (RBCAA), S&T Bancorp, Inc. (STBA), Sandy Spring Bancorp, Inc. (SASR), Seacoast Banking Corporation of Florida (SBCF), Shore Bancshares, Inc. (SHBI), Sierra Bancorp (BSRR), Simmons First National Corporation (SFNC), Southside Bancshares, Inc. (SBSI), Southwest Bancorp, Inc. (OKSB), State Bank Financial Corporation (STBZ), Stock Yards Bancorp, Inc. (SYBT), Suffolk Bancorp (SCNB), Summit Financial Group, Inc. (SMMF), Sun Bancorp, Inc. (SNBC), Tompkins Financial Corporation (TMP), TowneBank (TOWN), TriCo Bancshares (TCBK), TriState Capital Holdings, Inc. (TSC), Union Bankshares Corporation (UBSH), Univest Corporation of Pennsylvania (UVSP), VantageSouth Bancshares, Inc. (VSB), Washington Banking Company (WBCO), Washington Trust Bancorp, Inc. (WASH), WashingtonFirst Bankshares, Inc. (WFBI), West Bancorporation, Inc. (WTBA), Westamerica Bancorporation (WABC), Wilshire Bancorp, Inc. (WIBC), Xenith Bankshares, Inc. (XBKS), Yadkin Financial Corporation (YDKN)

Horizon Bancorp's financial data is as of 6/30/2017.

Peer financial data is as of 6/30/2017  except for these companies:

1st Source Corporation's financial data is as of 9/30/2017.
1st United Bancorp, Inc.'s financial data is as of 6/30/2014.
American National Bankshares Inc.'s financial data is as of 9/30/2017.
Ameris Bancorp's financial data is as of 9/30/2017.
AmeriServ Financial, Inc.'s financial data is as of 9/30/2017.
Ames National Corporation's financial data is as of 9/30/2017.
Bank of Kentucky Financial Corporation's financial data is as of 3/31/2015.
Bank of Marin Bancorp's financial data is as of 9/30/2017.
Bar Harbor Bankshares's financial data is as of 9/30/2017.
BCB Bancorp, Inc.'s financial data is as of 9/30/2017.
BNC Bancorp's financial data is as of 3/31/2017.
Bridge Capital Holdings's financial data is as of 3/31/2015.
Bryn Mawr Bank Corporation's financial data is as of 9/30/2017.
Cardinal Financial Corporation's financial data is as of 3/31/2017.
Cascade Bancorp's financial data is as of 3/31/2017.
Centrue Financial Corporation's financial data is as of 3/31/2017.
Century Bancorp, Inc.'s financial data is as of 9/30/2017.
Chemung Financial Corporation's financial data is as of 9/30/2017.
Citizens & Northern Corporation's financial data is as of 9/30/2017.
City Holding Company's financial data is as of 9/30/2017.
CNB Financial Corporation's financial data is as of 9/30/2017.
CoBiz Financial Inc.'s financial data is as of 9/30/2017.
Codorus Valley Bancorp, Inc.'s financial data is as of 9/30/2017.
Colony Bankcorp, Inc.'s financial data is as of 9/30/2017.
Community Trust Bancorp, Inc.'s financial data is as of 9/30/2017.
CommunityOne Bancorp's financial data is as of 6/30/2016.
ConnectOne Bancorp, Inc.'s financial data is as of 3/31/2014.
Eagle Bancorp, Inc.'s financial data is as of 9/30/2017.
Eastern Virginia Bankshares, Inc.'s financial data is as of 3/31/2017.
Enterprise Bancorp, Inc.'s financial data is as of 9/30/2017.
Farmers Capital Bank Corporation's financial data is as of 9/30/2017.
Fidelity Southern Corporation's financial data is as of 9/30/2017.
First Bancorp, Inc.'s financial data is as of 9/30/2017.
First Financial Bankshares, Inc.'s financial data is as of 9/30/2017.
First Financial Corporation's financial data is as of 9/30/2017.
First NBC Bank Holding Company's financial data is as of 9/30/2016.
First Security Group, Inc.'s financial data is as of 9/30/2015.
Firstbank Corporation's financial data is as of 3/31/2014.
Great Southern Bancorp, Inc.'s financial data is as of 9/30/2017.
Guaranty Bancorp's financial data is as of 9/30/2017.
Hanmi Financial Corporation's financial data is as of 9/30/2017.
Heritage Oaks Bancorp's financial data is as of 3/31/2017.
Home BancShares, Inc.'s financial data is as of 9/30/2017.
Home Federal Bancorp, Inc.'s financial data is as of 3/31/2014.
Hudson Valley Holding Corp.'s financial data is as of 3/31/2015.
Intervest Bancshares Corporation's financial data is as of 12/31/2014.
LNB Bancorp, Inc.'s financial data is as of 6/30/2015.
Mercantile Bank Corporation's financial data is as of 9/30/2017.
Merchants Bancshares, Inc.'s financial data is as of 3/31/2017.
Metro Bancorp, Inc.'s financial data is as of 12/31/2015.
Middleburg Financial Corporation's financial data is as of 12/31/2016.
Monarch Financial Holdings, Inc.'s financial data is as of 3/31/2016.
NewBridge Bancorp's financial data is as of 12/31/2015.
Old Second Bancorp, Inc.'s financial data is as of 9/30/2017.
Pacific Mercantile Bancorp's financial data is as of 9/30/2017.
Palmetto Bancshares, Inc.'s financial data is as of 6/30/2015.
Penns Woods Bancorp, Inc.'s financial data is as of 9/30/2017.
Peoples Bancorp of North Carolina, Inc.'s financial data is as of 9/30/2017.
Renasant Corporation's financial data is as of 9/30/2017.
Republic Bancorp, Inc.'s financial data is as of 9/30/2017.
S&T Bancorp, Inc.'s financial data is as of 9/30/2017.
Sandy Spring Bancorp, Inc.'s financial data is as of 9/30/2017.
Shore Bancshares, Inc.'s financial data is as of 9/30/2017.
Sierra Bancorp's financial data is as of 9/30/2017.
Simmons First National Corporation's financial data is as of 9/30/2017.
Suffolk Bancorp's financial data is as of 12/31/2016.
TriState Capital Holdings, Inc.'s financial data is as of 9/30/2017.
Union Bankshares Corporation's financial data is as of 9/30/2017.
VantageSouth Bancshares, Inc.'s financial data is as of 6/30/2014.
Washington Banking Company's financial data is as of 3/31/2014.
WashingtonFirst Bankshares, Inc.'s financial data is as of 9/30/2017.
Westamerica Bancorporation's financial data is as of 9/30/2017.
Wilshire Bancorp, Inc.'s financial data is as of 6/30/2016.
Yadkin Financial Corporation's financial data is as of 12/31/2016.

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