FSBC vs HBNC: stock comparison and AI forecast
Five Star Bancorp (FSBC) and Horizon Bancorp Inc /In/ (HBNC) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
FSBC Five Star Bancorp
- Price
- $44.11 +7.0% · 6M
- Market Cap
- $1.08B
- P/E Ratio
- 13.5x
- Size
- small-cap
- AI Forecast
HBNC Horizon Bancorp Inc /In/
- Market Cap
- $1.07B
- P/E Ratio
- 10.4x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- FSBC and HBNC have similar market capitalizations ($1.08B and $1.07B).
- HBNC trades at 10.3 times trailing earnings, FSBC at 13.4 times.
- FSBC turns 43.4% of its revenue into net income, against 29.4% for HBNC.
- HBNC carries 8.43 times debt per unit of equity, against 8.01 times for FSBC.
- HBNC yields 3.08% in dividends and FSBC 1.95%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | FSBC | HBNC |
|---|---|---|
| Market Cap | $1.08B | $1.07B |
| P/E Ratio | 13.45x | 10.35x |
| P/B Ratio | 1.75x | 1.53x |
| Dividend Yield | 1.95% | 3.08% |
| EPS | $3.28 | $2.01 |
| Book Value/Share | $25.15 | $13.62 |
| Revenue/Share | $7.29 | $7.05 |
| FCF/Share | $3.59 | $2.17 |
Profitability & Margins
| Metric | FSBC | HBNC |
|---|---|---|
| ROE | 12.6% | 15.2% |
| ROA | 1.4% | 1.6% |
| Net Margin | 43.4% | 29.4% |
| EBT Margin | 57.9% | 35.9% |
| Tax Rate | 25.2% | 18.0% |
Financial Health
| Metric | FSBC | HBNC |
|---|---|---|
| D/E Ratio | 8.01x | 8.43x |
| Financial Leverage | 9.01x | 9.43x |
Cash Flow
| Metric | FSBC | HBNC |
|---|---|---|
| Operating Cash Flow | $90M | $117M |
| Free Cash Flow | $88M | $111M |
| Capital Spending | -$2M | -$6M |
| OCF Growth YoY | 28.1% | – |
| FCF Growth YoY | 26.9% | – |
| FCF/Sales | 49.2% | 30.7% |
| CapEx/Sales | 0.9% | 1.6% |
Operational Efficiency
| Metric | FSBC | HBNC |
|---|---|---|
| Asset Turnover | 0.03x | 0.05x |
| Fixed Assets Turnover | 66.6x | 3.9x |
Income Statement
| Metric | FSBC | HBNC |
|---|---|---|
| Total Revenue | $179M | $362M |
| Net Income | $78M | $107M |
Dividend & Shareholder Information
| Metric | FSBC | HBNC |
|---|---|---|
| Dividends Per Share | $0.86 | $0.64 |
| Payout Ratio | 26.2% | 31.8% |
| Shares Outstanding | 25M | 51M |
| Net Income Growth | 35.4% | – |
| EPS Growth | 22.4% | – |
FSBC vs HBNC: stock comparison and AI forecast
Which is bigger, FSBC or HBNC?
FSBC and HBNC have similar market capitalizations ($1.08B and $1.07B).
Which is cheaper on earnings, FSBC or HBNC?
HBNC trades at 10.3 times trailing earnings, FSBC at 13.4 times.
Which one does Intratio's AI model rank higher, FSBC or HBNC?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.