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Profile - Horizon Financial Corp (NasdaqNM:HRZB)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | Research | SEC | Msgs | Insider
Recent Events
Aug 21Price hit new 52-week high ($12.30)
Aug  3Dividend payment of $0.12
Location
1500 Cornwall Avenue
Bellingham, WA 98225
Phone: (360) 733-3050
Fax: (360) 733-7019
Email: info@horizon-bank.com
Employees (last reported count): 191
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Analyst Upgrade/Downgrade History
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 14%
·Over the last 6 months:
 · 3 insider buys; 2,000  shares (0.2% of insider shares)
 · one insider sell; 2,000  shares
  (0.2% of insider shares)
·Institutional: 14% (16% of float)
(37 institutions)
·Net Inst. Buying: 132.0K shares (+9.65%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Horizon Financial Corp. is a holding company for Horizon Bank (the Bank). On June 19, 1999, the Company acquired Bellingham Bancorporation, a holding company for the Bank of Bellingham. The Bank's business activities generally are limited to passive investment activities and oversight of its investment in Horizon Bank. Horizon was organized as a chartered mutual savings and loan association and converted to a federal mutual savings and loan association. The Bank's operations are conducted through 15 full-service office facilities, located in Whatcom, Skagit and Snohomish counties in Northwest Washington.
More from Market Guide: Expanded Business Description

Financial Summary
Horizon Financial Corp. is a bank holding company for Horizon Bank, a state-chartered, FDIC-insured stock savings bank. For the three months ended 6/30/01, interest income increased 4% to $14 million. Net interest income after loan loss provision increased 5% to $6.1 million. Net income increased 7% to $2.3 million. Net interest income reflects loan growth, and decreased interest costs on borrowings. Earnings also reflect gains on sales of loans.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2001 Compensation
PayExer

V. Lawrence Evans, 54
Chairman, Pres, CEO
$321K$47K
Richard Jacobson, 38
VP and Sec.
--  --  
Kelli Holz, 32
VP
--  --  
Karen LePage, 60
VP
--  --  
Dollar amounts are as of 31-Mar-2001 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc.; "Exer" is the value of options excercised during the fiscal year.
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:HRZBAs of 31-Aug-2001
Price and Volume
52-Week Low
on 26-Sep-2000
$7.555
Recent Price$12.25 
52-Week High
on 21-Aug-2001
$12.30 
Beta0.28 
Daily Volume (3-month avg)8,818 
Daily Volume (10-day avg)10.0K
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+40.9%
52-Week Change
relative to S&P500
+89.0%
Share-Related Items
Market Capitalization$108.3M
Shares Outstanding8.84M
Float7.60M
Dividends & Splits
Annual Dividend (indicated)$0.48 
Dividend Yield3.92%
Last Split: 23 for 20 on 9-May-2001
Per-Share Data
Book Value (mrq)$11.18 
Earnings (ttm)$0.93 
Earnings (mrq)$0.26 
Sales (ttm)$6.23 
Cash (mrq)$1.40 
Valuation Ratios
Price/Book (mrq)1.10 
Price/Earnings (ttm)13.12 
Price/Sales (ttm)1.97 
Income Statements
Sales (ttm)$56.4M
EBITDAN/A 
Income available to common (ttm)$8.43M
Profitability
Profit Margin (ttm)14.9%
Operating Margin (ttm)41.8%
Fiscal Year
Fiscal Year EndsMar 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)1.15%
Return on Equity (ttm)8.69%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$12.4M
Short Interest
As of 8-Aug-2001
Shares Short6,000 
Percent of Float0.1%
Shares Short
(Prior Month)
5,000 
Short Ratio0.60 
Daily Volume10.0K
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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