HBNC - NASDAQ
Horizon Bancorp, Inc.
$18.17
-2.5%Horizon Bancorp, Inc. operates as the bank holding company for Horizon Bank that provides a range of commercial and retail banking services. The company offers various deposits. It also provides commercial, residential real estate, mortgage warehouse, and consumer loans. In addition, the company offers corporate and individual trust and agency, investment management, and real estate investment trust services; and sells various insurance products. It operates through a network of 78 full-service offices in northern and central Indiana and southern and central Michigan. Horizon Bancorp, Inc. was founded in 1873 and is headquartered in Michigan City, Indiana.
At a Glance
Live SnapshotHorizon Bancorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extension—monitor closely.
Cash Flow Quality Insight
Working capital strain: Significant cash tied up in operations. Monitor receivables collection, inventory turns, and payment terms to optimize cash conversion cycle.
Horizon Bancorp, Inc. Cash Flow Statement
HBNC • NASDAQ
| Horizon Bancorp, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
-177.4M | 35.4M | 28M | 93.4M | 87.1M | 68.5M | 66.5M | 53.1M | 33.1M | 23.9M | 20.5M | 18.1M | 19.9M | 19.5M | 12.8M | 10.5M | 9.1M | 9M | 8.1M | 7.5M | |
11.2M | 12.3M | 12M | 13.1M | 13.9M | 12.3M | 9.7M | 6.8M | 5.9M | 5.3M | 4.2M | 3.8M | 3.4M | 2.9M | 2.5M | 2.3M | 3M | 2.1M | 2.4M | 2.7M | |
0.0 | -17M | -3.3M | 2.2M | 2.3M | -9.4M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 108K | -113K | -713K | -485K | -225K | -78K | |
1.2M | 4.6M | 3.6M | 2.5M | 1.8M | 1.3M | 215K | 251K | 325K | 324K | 288K | 203K | 48K | 33K | 35K | 30K | 39K | 39K | 0.0 | 0.0 | |
293.4M | -17.2M | 43.7M | 8M | -716K | 12.6M | 700K | 7M | 11.7M | 4.7M | 3.2M | 263K | 13.1M | 6.3M | 6M | 10.3M | 9.7M | 10M | 487K | -1.6M | |
(20.3M) | (10.7M) | (2.1M) | (802K) | (1.7M) | (10.6M) | (13.2M) | (6.8M) | (10.4M) | (6.9M) | (4.1M) | (2.8M) | (3.1M) | (8.1M) | (2.7M) | (3.9M) | (3.2M) | (2.9M) | (0.0) | (0.0) | |
-82.7M | -11.8M | 5M | -24.8M | 2M | -6.4M | 97.2M | 5.1M | -2M | -8.7M | 7.1M | -4.7M | 10.6M | -2.4M | 920K | 1.9M | -6.4M | -928K | 7.2M | -9.5M | |
45.7M | 6.4M | 88.9M | 94.4M | 106.4M | 78.8M | 175M | 72.4M | 49.1M | 25.5M | 35.2M | 17.7M | 47M | 26.3M | 22.4M | 24.9M | 14.7M | 19.6M | 18M | -1M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-4M | -5.1M | -7.8M | -6.4M | -1.4M | -5.9M | -4.6M | -3.4M | -2.7M | -1.4M | -5.6M | -6.3M | -6.3M | -7M | -2.4M | -2.4M | -4.1M | -5.4M | -3M | -3.9M | |
(0.0) | (0.0) | (0.0) | (0.0) | (622.2M) | (0.0) | (128.7M) | (0.0) | (44.2M) | (169.5M) | (182.4M) | (7.2M) | (0.0) | (26.3M) | (0.0) | (6.1M) | (0.0) | (0.0) | (0.0) | (0.0) | |
-583.5M | -312K | -11.7M | -610.7M | -1.8B | -590.3M | -425.9M | -243.1M | -181.2M | -271.4M | -276.8M | -98.2M | -180.9M | -113.9M | -202.9M | -228.6M | -162.4M | -117.7M | -51.8M | -91.8M | |
1.5B | 381.5M | 548.9M | 142.1M | 318.3M | 356.4M | 256.8M | 131.7M | 99M | 300.4M | 128.9M | 131.4M | 123.4M | 132.2M | 168.2M | 215.8M | 127.5M | 51.1M | 62.6M | 125.8M | |
107.3M | -428.9M | -199.9M | -544.9M | 484.9M | -238.7M | -49.2M | -188.9M | -238.2M | 25.1M | -153.1M | -183.1M | 113.6M | -97.9M | -105M | 36.9M | -12.7M | -2.5M | -54.2M | -95.8M | |
(1B) | -52.8M | (329.5M) | -1B | -344.9M | -478.5M | -94.1M | -303.8M | -278.9M | (222.3M) | -124.2M | -149M | (49.8M) | -60.4M | -142.2M | (27.8M) | -51.7M | -74.6M | -46.4M | -65.7M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-4.1M | -1.4M | 0.0 | 0.0 | -7.6M | -18.4M | 1.7M | 622K | 1.6M | 572K | 4.3M | 165K | 195K | 226K | 63K | 197K | 164K | 35K | 135K | 647K | |
-896.4M | -50.8M | 208.8M | 423.1M | 168.2M | -28.7M | -71M | -13.6M | 259.9M | -256M | 49.4M | 78.1M | -89.3M | -25.4M | 109.5M | -32M | -40.4M | 65.5M | 59.1M | 16.2M | |
-21.3M | -28.3M | -28.3M | -27.8M | -24.8M | -21.2M | -20.8M | -15.4M | -11.7M | -8.4M | -6.3M | -4.9M | -4M | -3.5M | -3.1M | -3.5M | -3.4M | -2.1M | -1.9M | -1.8M | |
(0.0) | (0.0) | (0.0) | (0.0) | -7.6M | -19.6M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
15.3M | -106.2M | -195.9M | 60.2M | 446.5M | 619.9M | 50.3M | 258.4M | -13.4M | 46.6M | 46.7M | 69.8M | -2.6M | 73M | 24.4M | -64.2M | 110.6M | -52.5M | -20.2M | 58.9M | |
-906.6M | -186.7M | -15.4M | 455.5M | 582.3M | 550.5M | -39.9M | 230M | 236.4M | -229.8M | 94.1M | 143.1M | -95.8M | 44.3M | 124.6M | -105.7M | 67M | 35.9M | 24.7M | 86.2M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
164.8M | -233.1M | 403M | -470M | 343.8M | 150.9M | 40.3M | -1.5M | 6.6M | 18.1M | 5.2M | 11.8M | 986K | 10.3M | 4.8M | -53M | 30M | -19M | -3.8M | 19.6M | |
293.4M | 526.5M | 123.5M | 593.5M | 249.7M | 98.8M | 58.5M | 60M | 53.4M | 35.3M | 43.5M | 31.7M | 30.7M | 20.4M | 15.7M | 68.7M | 38.7M | 55M | 58.8M | 39.3M | |
458.3M | 293.4M | 526.5M | 123.5M | 593.5M | 249.7M | 98.8M | 58.5M | 60M | 53.4M | 48.7M | 43.5M | 31.7M | 30.7M | 20.4M | 15.7M | 68.7M | 36M | 55M | 58.8M | |
41.6M | 1.3M | 81.2M | 88M | 104.9M | 72.9M | 170.3M | 69M | 46.4M | 24.2M | 29.6M | 11.4M | 40.6M | 19.4M | 19.9M | 22.5M | 10.6M | 14.2M | 15M | -4.9M |
SEC Filings
HBNC - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 08, 2026 | May 07, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 22, 2026 | April 22, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 01, 2026 | April 01, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 20, 2026 | March 20, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 18, 2026 | March 17, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 13, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | March 04, 2026 | March 04, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 26, 2026 | January 20, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 21, 2026 | January 21, 2026 | 2026 |
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