HBNC vs FSBC

Comparison between Horizon Bancorp Inc (IN) (HBNC, Company) and Five Star Bancorp (FSBC, Company).

Both HBNC and FSBC are from the Financial Services sector.

5-Year PerformanceFSBC has outperformed HBNC, delivering a return of +17.8% compared to +9.3%

HBNC vs FSBC - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	HBNC(COMPANY)	FSBC(COMPANY)
Market Cap	$1.03B	$1.03B
Max Drawdown	67.20%	42.95%
Sharpe Ratio	0.98	1.82
5Y Beta	0.91	0.76
Industry	Banks - Regional	Banks - Regional
P/E Ratio	-6.39	15.40
Forward P/E	11.05	N/A
PEG Ratio	0.80	0.39
Dividend Yield	3.14%	1.84%
5Y Dividends CAGR	9.86%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	7.85%	7.23%
P/S Ratio	3.76	6.56
P/B Ratio	1.50	2.30

Market Cap

HBNC

$1.03B

Winner

FSBC

$1.03B

Max Drawdown

HBNC

67.20%

Winner

FSBC

42.95%

Sharpe Ratio

HBNC

0.98

Winner

FSBC

1.82

5Y Beta

HBNC

0.91

Winner

FSBC

0.76

Industry

HBNC

Banks - Regional

FSBC

Banks - Regional

P/E Ratio

Winner

HBNC

-6.39

FSBC

15.40

Forward P/E

HBNC

11.05

FSBC

N/A

PEG Ratio

HBNC

0.80

Winner

FSBC

0.39

Dividend Yield

Winner

HBNC

3.14%

FSBC

1.84%

5Y Dividends CAGR

HBNC

9.86%

FSBC

N/A

Debt to Equity

HBNC

0.00%

FSBC

0.00%

Free Cash Flow Yield

Winner

HBNC

7.85%

FSBC

7.23%

P/S Ratio

Winner

HBNC

3.76

FSBC

6.56

P/B Ratio

Winner

HBNC

1.50

FSBC

2.30

HBNC vs FSBC - Historical Returns

Returns include dividend reinvestment.

Period	HBNC	FSBC
1 month	+2.13%	-0.95%
3 months	+13.42%	+16.29%
6 months	+16.00%	+24.73%
1 year	+34.76%	+62.71%
5 years(CAGR)	+9.26%	+17.82%
10 years(CAGR)	+9.12%	N/A
Max(CAGR)	+11.85%	+20.99%

Winner

HBNC

+2.13%

FSBC

-0.95%

HBNC

+13.42%

Winner

FSBC

+16.29%

HBNC

+16.00%

Winner

FSBC

+24.73%

HBNC

+34.76%

Winner

FSBC

+62.71%

5Y(CAGR)

HBNC

+9.26%

Winner

FSBC

+17.82%

10Y(CAGR)

HBNC

+9.12%

FSBC

N/A

Max(CAGR)

HBNC

+11.85%

Winner

FSBC

+20.99%

HBNC vs FSBC - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	HBNC	FSBC
2026	+23.43%	+33.76%
2025	+11.71%	+24.04%
2024	+17.17%	+16.12%
2023	-0.07%	-0.46%
2022	-25.91%	-9.53%
2021	+39.18%	+51.85%
2020	-12.45%	N/A
2019	+21.60%	N/A
2018	-11.31%	N/A
2017	+0.73%	N/A
2016	+55.61%	N/A
2015	+10.06%	N/A
2014	+7.58%	N/A
2013	+26.86%	N/A
2012	+74.23%	N/A
2011	+1.41%	N/A
2010	+66.03%	N/A
2009	+35.86%	N/A
2008	-45.91%	N/A
2007	-4.30%	N/A
2006	+5.90%	N/A
2005	-4.22%	N/A
2004	-0.26%	N/A
2003	+56.10%	N/A
2002	+18.45%	N/A
2001	+15.75%	N/A

HBNC vs FSBC Drawdown Comparison

The maximum drawdown for HBNC was -65.21%, occurring on May 11, 2023. Recovery took 1103 trading sessions.

The maximum drawdown for FSBC was -40.76%, occurring on May 11, 2023. Recovery took 662 trading sessions.

The current HBNC drawdown is -2.43%. The current FSBC drawdown is -5.78%.

Rank	HBNC	FSBC
#1	-65.21% Jan 18, 2022 - Jun 11, 2026	-40.76% Dec 6, 2021 - Jul 26, 2024
#2	-64.44% Feb 17, 2006 - Jan 27, 2011	-24.53% Dec 11, 2024 - Aug 26, 2025
#3	-62.07% Jun 8, 2018 - Nov 3, 2021	-18.82% Jun 15, 2021 - Oct 29, 2021
#4	-24.30% Dec 27, 2013 - Oct 31, 2014	-13.07% Feb 6, 2026 - Apr 17, 2026
#5	-20.77% Jan 3, 2002 - Oct 16, 2002	-11.21% Oct 28, 2025 - Dec 11, 2025
#6	-19.86% Dec 30, 2003 - Jan 7, 2005	-10.51% Jul 26, 2024 - Aug 23, 2024
#7	-19.50% Feb 11, 2005 - Feb 15, 2006	-8.91% Sep 19, 2024 - Oct 16, 2024
#8	-17.46% Dec 30, 2015 - Aug 11, 2016	-8.11% May 20, 2021 - Jun 11, 2021
#9	-15.83% Dec 29, 2014 - Oct 16, 2015	-7.82% Sep 18, 2025 - Oct 21, 2025
#10	-15.47% Jul 25, 2013 - Dec 20, 2013	-7.02% Nov 29, 2021 - Dec 6, 2021
#11	-15.47% Oct 18, 2012 - Dec 20, 2012	-6.53% Dec 17, 2025 - Jan 21, 2026
#12	-14.97% Feb 25, 2011 - Apr 18, 2012	-5.78% Jul 16, 2026 - Jul 24, 2026
#13	-13.09% Oct 25, 2016 - Nov 10, 2016	-5.70% Aug 23, 2024 - Sep 16, 2024
#14	-13.01% May 15, 2012 - Jun 28, 2012	-5.08% Oct 17, 2024 - Nov 6, 2024
#15	-12.24% Dec 28, 2016 - Sep 26, 2017	-4.31% Nov 19, 2021 - Nov 29, 2021

Correlation

Correlation between HBNC and FSBC is 0.80 which considered as a strong positive correlation - the stocks tend to move together.

0.80

-101

Dividend Comparison (2001 - 2026)

HBNC vs FSBC dividend yield comparison.

Year	HBNC	FSBC
2026	2.39%	1.60%
2025	3.77%	2.24%
2024	3.97%	2.66%
2023	4.47%	2.86%
2022	4.11%	2.20%
2021	2.54%	1.00%
2020	3.03%	0.00%
2019	2.32%	0.00%
2018	2.45%	0.00%
2017	1.73%	0.00%
2016	1.43%	0.00%
2015	1.54%	0.00%
2014	1.95%	0.00%
2013	1.66%	0.00%
2012	1.90%	0.00%
2011	2.70%	0.00%
2010	2.56%	0.00%
2009	4.19%	0.00%
2008	6.48%	0.00%
2007	2.26%	0.00%
2006	1.53%	0.00%
2005	2.03%	0.00%
2004	1.82%	0.00%
2003	1.60%	0.00%
2002	2.31%	0.00%
2001	0.65%	0.00%