Horizon Bancorp Cash Flow-to-Debt Ratio
Horizon Bancorp 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. Check HBNC operating cash flow to net income to evaluate the quality of earnings relative to operating cash generation.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Cash Flow-to-Debt Ratio of Horizon Bancorp (1995–2025)
Cash flow-to-debt ratio of Horizon Bancorp from 1995 to 2025. Historical debt coverage capacity for Horizon Bancorp across 31 annual periods. Check HBNC cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Horizon Bancorp Cash Flow-to-Debt Ratio by Year (1995–2025)
Horizon Bancorp cash flow-to-debt ratio by year from 1995 to 2025. Year-by-year debt coverage analysis for Horizon Bancorp. For the full cash flow conversion analysis, see cash flow conversion of Horizon Bancorp.
| 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 | — |