Horizon Bancorp (HBNC) — Cash Flow-to-Debt Ratio
Horizon Bancorp (HBNC) has a Cash Flow-to-Debt Ratio of 0.01x as of June 2026, meaning its operating cash flow of $33.17 Million could theoretically repay 0% of its total liabilities ($5.85 Billion) in one year. See financial agility of Horizon Bancorp to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Horizon Bancorp Cash Flow-to-Debt Ratio (1995–2025)
Historical debt coverage capacity for Horizon Bancorp across 31 annual periods. For the full cash flow conversion analysis, see cash flow conversion of Horizon Bancorp.
Annual Cash Flow-to-Debt Ratio for Horizon Bancorp (1995–2025)
Year-by-year debt coverage analysis for Horizon Bancorp. Check Horizon Bancorp (HBNC) cash earnings ratio to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | $79.23 Million | $5.75 Billion | ▲ +1423.2% |
| 2024 | 0.00x | $6.37 Million | $7.04 Billion | ▼ -92.7% |
| 2023 | 0.01x | $88.94 Million | $7.21 Billion | ▼ -6.0% |
| 2022 | 0.01x | $94.38 Million | $7.20 Billion | ▼ -16.7% |
| 2021 | 0.02x | $105.35 Million | $6.69 Billion | ▲ +3.9% |
| 2020 | 0.02x | $78.77 Million | $5.19 Billion | ▼ -60.2% |
| 2019 | 0.04x | $174.95 Million | $4.59 Billion | ▲ +98.1% |
| 2018 | 0.02x | $72.29 Million | $3.75 Billion | ▲ +37.6% |
| 2017 | 0.01x | $49.06 Million | $3.51 Billion | ▲ +53.3% |
| 2016 | 0.01x | $25.55 Million | $2.80 Billion | ▼ -38.2% |
| 2015 | 0.01x | $35.23 Million | $2.39 Billion | ▲ +57.4% |
| 2014 | 0.01x | $17.66 Million | $1.88 Billion | ▼ -68.2% |
| 2013 | 0.03x | $46.97 Million | $1.59 Billion | ▲ +88.9% |
| 2012 | 0.02x | $26.35 Million | $1.69 Billion | ▼ -0.5% |
| 2011 | 0.02x | $22.35 Million | $1.43 Billion | ▼ -18.8% |
| 2010 | 0.02x | $24.88 Million | $1.29 Billion | ▲ +67.0% |
| 2009 | 0.01x | $14.71 Million | $1.27 Billion | ▼ -29.1% |
| 2008 | 0.02x | $19.61 Million | $1.20 Billion | ▲ +7.7% |
| 2007 | 0.02x | $17.98 Million | $1.19 Billion | ▲ +1840.5% |
| 2006 | 0.00x | $-1.01 Million | $1.16 Billion | ▼ -108.3% |
| 2005 | 0.01x | $11.22 Million | $1.07 Billion | ▼ -37.0% |
| 2004 | 0.02x | $14.32 Million | $863.40 Million | ▼ -9.1% |
| 2003 | 0.02x | $12.97 Million | $710.85 Million | ▲ +212.0% |
| 2002 | 0.01x | $3.97 Million | $678.72 Million | ▼ -15.2% |
| 2001 | 0.01x | $3.81 Million | $553.00 Million | ▲ +79.0% |
| 2000 | 0.00x | $1.93 Million | $500.15 Million | ▼ -88.7% |
| 1999 | 0.03x | $17.28 Million | $504.81 Million | ▲ +181.9% |
| 1998 | 0.01x | $4.72 Million | $388.69 Million | ▲ +3.1% |
| 1997 | 0.01x | $3.90 Million | $331.04 Million | ▼ -54.4% |
| 1996 | 0.03x | $9.11 Million | $352.74 Million | ▲ +57.8% |
| 1995 | 0.02x | $5.55 Million | $339.46 Million | — |