Horizon Bancorp Financial Flexibility Index
Horizon Bancorp financial flexibility index. Horizon Bancorp (HBNC) has a Financial Flexibility Index of 0.01x as of June 2026. Free cash flow of $33.22 Million (operating CF $33.17 Million minus capex $56.00K) represents 0% of total liabilities ($5.85 Billion). See HBNC free cash flow generation to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Horizon Bancorp (1995–2025)
Financial flexibility index of Horizon Bancorp from 1995 to 2025. Historical Financial Flexibility Index trend for Horizon Bancorp across 31 annual periods. Check Horizon Bancorp earnings quality ratio to evaluate the quality of earnings relative to operating cash generation.
Horizon Bancorp Financial Flexibility Index by Year (1995–2025)
Horizon Bancorp financial flexibility index by year from 1995 to 2025. Year-by-year free cash flow to debt coverage for Horizon Bancorp. For the full cash flow conversion analysis, see cash efficiency ratio of Horizon Bancorp.
| 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 | — |