Horizon Bancorp (HBNC) — Financial Flexibility Index
Horizon Bancorp (HBNC) has a Financial Flexibility Index of 0.00x as of March 2026. Free cash flow of $20.82 Million (operating CF $20.76 Million minus capex $56.00K) represents 0% of total liabilities ($5.87 Billion). Check strategic asset allocation of Horizon Bancorp to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Horizon Bancorp Financial Flexibility Index (1995–2025)
Historical Financial Flexibility Index trend for Horizon Bancorp across 31 annual periods. See Horizon Bancorp (HBNC) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Horizon Bancorp (1995–2025)
Year-by-year free cash flow to debt coverage for Horizon Bancorp. For the full company profile including market capitalisation, see Horizon Bancorp stock valuation.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | $84.19 Million | $79.23 Million | $5.75 Billion | ▲ +800.0% |
| 2024 | 0.00x | $11.45 Million | $6.37 Million | $7.04 Billion | ▼ -87.9% |
| 2023 | 0.01x | $96.71 Million | $88.94 Million | $7.21 Billion | ▼ -4.3% |
| 2022 | 0.01x | $100.81 Million | $94.38 Million | $7.20 Billion | ▼ -12.2% |
| 2021 | 0.02x | $106.79 Million | $105.35 Million | $6.69 Billion | ▼ -2.0% |
| 2020 | 0.02x | $84.63 Million | $78.77 Million | $5.19 Billion | ▼ -58.4% |
| 2019 | 0.04x | $179.56 Million | $174.95 Million | $4.59 Billion | ▲ +94.1% |
| 2018 | 0.02x | $75.72 Million | $72.29 Million | $3.75 Billion | ▲ +36.7% |
| 2017 | 0.01x | $51.75 Million | $49.06 Million | $3.51 Billion | ▲ +53.4% |
| 2016 | 0.01x | $26.93 Million | $25.55 Million | $2.80 Billion | ▼ -43.8% |
| 2015 | 0.02x | $40.85 Million | $35.23 Million | $2.39 Billion | ▲ +34.8% |
| 2014 | 0.01x | $23.92 Million | $17.66 Million | $1.88 Billion | ▼ -62.0% |
| 2013 | 0.03x | $53.28 Million | $46.97 Million | $1.59 Billion | ▲ +69.4% |
| 2012 | 0.02x | $33.33 Million | $26.35 Million | $1.69 Billion | ▲ +13.5% |
| 2011 | 0.02x | $24.79 Million | $22.35 Million | $1.43 Billion | ▼ -17.9% |
| 2010 | 0.02x | $27.29 Million | $24.88 Million | $1.29 Billion | ▲ +43.5% |
| 2009 | 0.01x | $18.78 Million | $14.71 Million | $1.27 Billion | ▼ -29.1% |
| 2008 | 0.02x | $25.06 Million | $19.61 Million | $1.20 Billion | ▲ +17.9% |
| 2007 | 0.02x | $20.98 Million | $17.98 Million | $1.19 Billion | ▲ +614.8% |
| 2006 | 0.00x | $2.87 Million | $-1.01 Million | $1.16 Billion | ▼ -79.0% |
| 2005 | 0.01x | $12.64 Million | $11.22 Million | $1.07 Billion | ▼ -40.0% |
| 2004 | 0.02x | $16.93 Million | $14.32 Million | $863.40 Million | ▼ -8.2% |
| 2003 | 0.02x | $15.18 Million | $12.97 Million | $710.85 Million | ▲ +165.6% |
| 2002 | 0.01x | $5.46 Million | $3.97 Million | $678.72 Million | ▲ +2.0% |
| 2001 | 0.01x | $4.36 Million | $3.81 Million | $553.00 Million | ▲ +52.9% |
| 2000 | 0.01x | $2.58 Million | $1.93 Million | $500.15 Million | ▼ -86.6% |
| 1999 | 0.04x | $19.35 Million | $17.28 Million | $504.81 Million | ▲ +83.0% |
| 1998 | 0.02x | $8.14 Million | $4.72 Million | $388.69 Million | ▼ -9.2% |
| 1997 | 0.02x | $7.63 Million | $3.90 Million | $331.04 Million | ▼ -38.2% |
| 1996 | 0.04x | $13.17 Million | $9.11 Million | $352.74 Million | ▲ +75.5% |
| 1995 | 0.02x | $7.22 Million | $5.55 Million | $339.46 Million | — |