Horizon Bancorp Cash Flow Quality Index
Horizon Bancorp cash flow quality index. Horizon Bancorp (HBNC) has a Cash Flow Quality Index of 1.33x as of June 2026. Operating cash flow of $33.17 Million exceeds net income of $24.91 Million, indicating high earnings quality where cash backs reported profits. See Horizon Bancorp (HBNC) financial flexibility to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Horizon Bancorp (1995–2024)
Cash flow quality index of Horizon Bancorp from 1995 to 2024. Historical Cash Flow Quality Index for Horizon Bancorp across 29 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore HBNC operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Horizon Bancorp Cash Flow Quality Index by Year (1995–2024)
Horizon Bancorp cash flow quality index by year from 1995 to 2024. Year-by-year earnings quality comparison for Horizon Bancorp. For the full cash flow conversion analysis, see Horizon Bancorp operating cash flow efficiency.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 0.18x | $6.37 Million | $35.43 Million | ▼ -94.3% |
| 2023 | 3.18x | $88.94 Million | $27.98 Million | ▲ +214.6% |
| 2022 | 1.01x | $94.38 Million | $93.41 Million | ▼ -16.5% |
| 2021 | 1.21x | $105.35 Million | $87.09 Million | ▲ +5.2% |
| 2020 | 1.15x | $78.77 Million | $68.50 Million | ▼ -56.3% |
| 2019 | 2.63x | $174.95 Million | $66.54 Million | ▲ +93.2% |
| 2018 | 1.36x | $72.29 Million | $53.12 Million | ▼ -8.1% |
| 2017 | 1.48x | $49.06 Million | $33.12 Million | ▲ +38.7% |
| 2016 | 1.07x | $25.55 Million | $23.91 Million | ▼ -37.7% |
| 2015 | 1.71x | $35.23 Million | $20.55 Million | ▲ +75.7% |
| 2014 | 0.98x | $17.66 Million | $18.10 Million | ▼ -58.7% |
| 2013 | 2.36x | $46.97 Million | $19.88 Million | ▲ +75.3% |
| 2012 | 1.35x | $26.35 Million | $19.54 Million | ▼ -22.8% |
| 2011 | 1.75x | $22.35 Million | $12.80 Million | ▼ -26.6% |
| 2010 | 2.38x | $24.88 Million | $10.46 Million | ▲ +47.8% |
| 2009 | 1.61x | $14.71 Million | $9.14 Million | ▼ -26.4% |
| 2008 | 2.19x | $19.61 Million | $8.97 Million | ▼ -1.0% |
| 2007 | 2.21x | $17.98 Million | $8.14 Million | ▲ +1738.4% |
| 2006 | -0.13x | $-1.01 Million | $7.48 Million | ▼ -108.5% |
| 2005 | 1.58x | $11.22 Million | $7.09 Million | ▼ -23.4% |
| 2004 | 2.06x | $14.32 Million | $6.93 Million | ▲ +4.0% |
| 2003 | 1.98x | $12.97 Million | $6.53 Million | ▲ +175.0% |
| 2002 | 0.72x | $3.97 Million | $5.50 Million | ▼ -22.0% |
| 2001 | 0.92x | $3.81 Million | $4.12 Million | ▲ +81.5% |
| 2000 | 0.51x | $1.93 Million | $3.78 Million | ▼ -86.2% |
| 1998 | 3.70x | $4.72 Million | $1.28 Million | ▲ +63.1% |
| 1997 | 2.27x | $3.90 Million | $1.72 Million | ▼ -4.8% |
| 1996 | 2.38x | $9.11 Million | $3.82 Million | ▲ +30.3% |
| 1995 | 1.83x | $5.55 Million | $3.04 Million | — |