Horizon Bancorp

-9.35%

1. Credit Risk: As a financial institution, Horizon Bancorp faces the risk of credit defaults from its borrowers. If borrowers are unable to repay their loans, it can lead to a decrease in the company’s income and profitability.

2. Interest Rate Risk: Horizon Bancorp earns a significant portion of its income from interest collected on loans. Changes in interest rates can affect the company’s profitability and cash flow.

3. Liquidity Risk: Horizon Bancorp relies on its ability to raise funds from depositors and other sources to meet its financial obligations. If the company is unable to access sufficient liquidity during times of financial stress, it could impact its operations and solvency.

4. Market Risk: As a publicly traded company, Horizon Bancorp is exposed to market risk. Fluctuations in the stock market and economy can affect the value of the company’s stock and financial performance.

5. Regulatory Risk: As a financial institution, Horizon Bancorp is subject to a complex and ever-changing regulatory environment. Non-compliance with regulations can result in fines, penalties, and reputational damage.

6. Operational Risk: Horizon Bancorp’s operations are subject to various operational risks, such as system failures, cybersecurity threats, and human error, which can disrupt its business and cause financial losses.

7. Reputation Risk: Any negative publicity or perception about Horizon Bancorp’s business practices or customer service can damage its reputation and brand, impacting its ability to attract and retain customers.

8. Strategic Risk: Horizon Bancorp may face risks associated with its strategic decisions and initiatives, such as acquisitions, diversification, and expansion, which may not yield expected results and could harm the company’s financial performance.

9. Legal Risk: Horizon Bancorp is subject to legal risks, including lawsuits from customers, shareholders, regulators, and other parties, which can result in significant financial and reputational damage.

10. Cybersecurity Risk: As a financial institution, Horizon Bancorp is a potential target for cyberattacks, which can result in financial losses, customer data breaches, and damage to the company’s reputation.