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Horizon Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$26.6M in Q3 2026 · $111M over twelve months

Operating cash flow$29.4M
Capital spending−$2.8M
Free cash flow+$26.6M
Cash / net income1.0×

Analysis

In Q3 2026, Horizon Bancorp generated $29.4M of operating cash flow and spent $2.8M on capital projects, leaving free cash flow of $26.6M. That is $17.2M more than in Q3 2025 ($9.4M).

Over the twelve months to Sep 30, 2026, operating cash flow was $117M; the largest uses were other investing ($170M), other financing ($156M), dividends ($32.9M); besides operations, cash came from taxes on employees’ shares ($52K); the cash balance fell by $248M.

Operating cash flow was $29.4M against net income of $28.7M — 1.0× profit, roughly in line with earnings. The largest differences: other liabilities +$15.7M, prepaid and other assets −$10.1M, depreciation & amortization +$2.4M.

Free cash flow

Horizon Bancorp: free cash flow by quarterHorizon Bancorp: free cash flow by quarter−$50.2MQ4 2024$14.1MQ1 2025$18.1MQ2 2025$9.4MQ3 2025$32.6MQ4 2025$20.7MQ1 2026$31.3MQ2 2026$26.6MQ3 2026
Operating cash flow less capital spending.
Horizon Bancorp: operating cash flow against capital spendingHorizon Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending−$48.4M$1.8MQ4 2024$15.2M$1.1MQ1 2025$19.5M$1.4MQ2 2025$10.9M$1.5MQ3 2025$33.6M$943KQ4 2025$20.8M$56KQ1 2026$33.2M$1.8MQ2 2026$29.4M$2.8MQ3 2026
Latest (Q3 2026): Operating cash flow $29.4M, Capital spending $2.8M.

Capital allocation, year by year

Horizon Bancorp: where the cash came from (up) and went (down), by fiscal yearHorizon Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingBuybacksDividendsFY2021: Operating cash flow $106MFY2021: Shares issued $1.1MFY2021: Capital spending −$1.4MFY2021: Buybacks −$7.6MFY2021: Dividends −$24.8M$107MFY2021FY2022: Operating cash flow $94.4MFY2022: Net borrowing $504MFY2022: Shares issued $145KFY2022: Capital spending −$6.4MFY2022: Dividends −$27.8M$598MFY2022FY2023: Operating cash flow $88.9MFY2023: Capital spending −$7.8MFY2023: Dividends −$28.3M$88.9MFY2023FY2024: Operating cash flow $6.4MFY2024: Capital spending −$5.1MFY2024: Dividends −$28.3M$6.4MFY2024FY2025: Operating cash flow $79.2MFY2025: Shares issued $98.0MFY2025: Capital spending −$5.0MFY2025: Dividends −$29.5M$177MFY2025
Over these 5 years operating cash flow totalled $375M; the largest uses were dividends ($139M) and capital spending ($25.7M). Cash-flow statements as filed.

Where the cash came from and went

Horizon Bancorp: sources (+) and uses (−) of cash, Q3 2026Horizon Bancorp: sources (+) and uses (−) of cash, Q3 2026Other investing−$62.2MOther financing$35.9MOperating cash flow$29.4MDividends−$8.3MCash drawn (+) / kept (−)$7.6MCapital spending−$2.8MShares issued$403K
Horizon Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Horizon Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Cash drawn (+) / kept (−)$248MOther investing−$170MOther financing−$156MOperating cash flow$117MDividends−$32.9MCapital spending−$5.6MTaxes on employees’ shares$52K

From profit to cash

Horizon Bancorp: net income to operating cash flow, Q3 2026Horizon Bancorp: net income to operating cash flow, Q3 2026Net income$28.7MDepreciation & amortization$2.4MStock-based pay$285KPrepaid and other assets−$10.1MOther liabilities$15.7MOperating cash flow$29.4M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$29.4M−$2.8M−$8.3M$403K$7.6M$26.6M
Q2 2026$33.2M−$1.8M−$8.2M—$41.1M$31.3M
Q1 2026$20.8M−$56K−$8.2M—−$120M$20.7M
Q4 2025$33.6M−$943K−$8.2M—$319M$32.6M
Q3 2025$10.9M−$1.5M−$7.1M—−$320M$9.4M
Q2 2025$19.5M−$1.4M−$7.1M—$31.7M$18.1M
Q1 2025$15.2M−$1.1M−$7.1M—$124M$14.1M
Q4 2024−$48.4M−$1.8M−$7.0M—−$58.6M−$50.2M

Horizon Bancorp: income statement and cash flow

Horizon Bancorp, Q3 2026: revenue $77.1M, operating margin 44.5%. The chart follows the revenue to costs, profit and cash.

Horizon Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.