Horizon Bancorp (HBNC) — Cash Flow Quality Index
Horizon Bancorp (HBNC) has a Cash Flow Quality Index of 0.79x as of March 2026. Operating cash flow of $20.76 Million is below net income of $26.17 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore long-term investment intensity of Horizon Bancorp to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Horizon Bancorp Cash Flow Quality Index (1995–2024)
Historical Cash Flow Quality Index for Horizon Bancorp across 29 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check HBNC tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Horizon Bancorp (1995–2024)
Year-by-year earnings quality comparison for Horizon Bancorp. For live market cap and the full company financial profile, see HBNC stock market capitalisation.
| 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 | — |