What is Horizon Bancorp's free cash flow margin?

Horizon Bancorp (HBNC) reported free cash flow margin of 34.4% in Q3 2024.

How has Horizon Bancorp's free cash flow margin changed year-over-year?

Horizon Bancorp's free cash flow margin increased by 0.4% year-over-year, from 34.3% to 34.4%.

What does free cash flow margin mean?

Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

Horizon Bancorp HBNC Free cash flow margin

Free cash flow margin at other companies

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12.1%+4.0pp

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-18.4%-26.5pp

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Other financials

Income statement

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Revenue$73.5M+6.9%

Net income$26.2M+9.3%

EPS (diluted)$0.51-5.6%

Balance sheet

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Cash & equivalents$259.1M+52.7%

Total debt$225.8M-74.9%

Total equity$699.0M-9.9%

Total assets$6.6B-14.0%

Cash flow

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Operating cash flow$20.8M+36.2%

CapEx$56.0K-95.0%

Free cash flow$20.7M+46.7%

Valuation

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Market cap$1.02B+57.9%

Enterprise value$983.09M-28.5%

Profitability

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Net margin33%-5.3pp

Returns & leverage

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Return on equity11.1%-2.7pp

Debt / equity0.3×-0.8×

Where this comes from

Calculated from Horizon Bancorp’s reported figures.

free cash flow/total revenue=34.4%

Based on trailing twelve months.

The official record: Horizon Bancorp’s 10-Q, filed November 10, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is Horizon Bancorp's free cash flow margin?: Horizon Bancorp (HBNC) reported free cash flow margin of 34.4% in Q3 2024.
How has Horizon Bancorp's free cash flow margin changed year-over-year?: Horizon Bancorp's free cash flow margin increased by 0.4% year-over-year, from 34.3% to 34.4%.
What does free cash flow margin mean?: Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.