Horizon Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	-188.29	35.43	27.98	93.41	87.09	68.5
Depreciation & Amortization	12.29	10.33	10.94	10.75	9.8	9.4
Provision for Credit Losses	1.44	5.39	2.46	-1.82	-2.08	20.75
Stock-Based Compensation	2.86	4.59	3.59	2.48	1.82	1.34
Net Change in Loans Held-for-Sale	-70.61	-68.38	3.17	3.59	-3.25	-14.98
Other Adjustments	336.68	30.77	35.82	10.76	11	0.29
Changes in Accrued Interest and Accounts Receivable	10.61	-1.04	-3.42	-9.16	-4.22	-2.57
Changes in Accounts Payable	1	-11.11	16.87	3.15	-0.49	-0.35
Changes in Other Operating Activities	-94.39	0.4	-8.47	-18.78	6.69	-3.53
Operating Cash Flow	-2.72	6.37	88.94	94.38	106.35	78.86
Operating Cash Flow Growth	-	-92.84%	-5.77%	-11.25%	34.86%	-54.78%
Net Change in Loans Held-for-Investment	-39.12	-457.08	-265.46	-503.48	480.03	-239.94
Net Change in Securities and Investments	1,956	363.34	530	-468.84	-1,448	-234.97
Capital Expenditures	-5.81	-5.08	-7.78	-6.43	-1.44	-5.87
Sale of Property, Plant & Equipment	1.56	2	2.98	5.26	1.29	2.05
Other Investing Activities	11.5	44.04	69.77	-46.45	622.96	0.26
Investing Cash Flow	1,925	-52.78	329.52	-1,020	-344.85	-478.46
Net Change in Deposits	-206.11	-64.24	-192.88	54.78	425.45	600.13
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-35.43	-46.12	-1.84	7.07	21.34	18.52
Long-Term Debt Issued	139.94	512.76	866.1	1,179	244.55	192.63
Long-Term Debt Repaid	1,133	563.52	657.29	755.61	76.37	123.38
Net Long-Term Debt Issued (Repaid)	1,272	1,076	1,523	1,934	320.93	316.01
Issuance of Common Stock	-	4.15	-	0.15	1.06	1.39
Repurchase of Common Stock	4.67	1.37	1.22	1.82	8.96	19.64
Net Common Stock Issued (Repurchased)	4.67	5.52	1.22	1.97	10.02	21.03
Common Dividends Paid	-28.34	-28.33	-28.31	-27.77	-24.77	-21.18
Other Financing Activities	-	-	-	-	-	-98
Financing Cash Flow	-1,069	-186.68	-15.44	455.55	582.3	550.48
Net Cash Flow	223.42	-233.08	403.01	-470	343.8	150.88
Free Cash Flow	-8.53	1.28	81.16	87.95	104.91	72.99
Free Cash Flow Growth	-	-98.42%	-7.72%	-16.16%	43.73%	-57.00%
FCF Margin	10.77%	0.69%	43.80%	35.35%	44.48%	35.71%
Free Cash Flow Per Share	-0.19	0.03	1.85	2.01	2.39	1.65
Levered Free Cash Flow	1,008	1,105	1,560	2,007	418.35	381.6
Unlevered Free Cash Flow	-76.3	-6.51	8.14	-20.47	10.33	-2.91

Updated Nov 10, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q