Independent Bank Corporation (IBCP)

NASDAQ: IBCP · Real-Time Price · USD

37.90

-0.13 (-0.34%)

At close: Aug 10, 2026, 4:00 PM EDT

37.90

0.00 (0.00%)

After-hours: Aug 10, 2026, 4:10 PM EDT

Independent Bank Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	71.75	68.54	66.79	59.07	63.35	62.9
Depreciation & Amortization	9.91	9.91	10.01	10.02	10.83	12.13
Provision for Credit Losses	6.99	6.14	4.47	6.21	5.34	-1.93
Stock-Based Compensation	2.68	2.72	2.33	2.23	2.14	1.95
Net Change in Loans Held-for-Sale	1.36	5.19	10.16	22.03	34.84	72.84
Other Adjustments	-4.16	-8.07	-6.44	-5.76	-10.67	-43.24
Changes in Accrued Interest and Accounts Receivable	-53.9	-25.65	-25.19	-14.62	-25.84	-11.67
Changes in Accrued Expenses	4.43	17.89	1.02	-3.6	14.65	17.17
Operating Cash Flow	37.12	76.66	63.15	75.59	94.63	110.15
Operating Cash Flow Growth	-48.45%	21.39%	-16.46%	-20.12%	-14.09%	87.71%
Net Change in Loans Held-for-Investment	-255.59	-238.54	-251.02	-305.05	-542.51	-195.51
Net Change in Securities and Investments	77.83	109.69	136.92	143.66	119.83	-363.25
Capital Expenditures	-11.26	-6.49	-7.95	-6.02	-5.68	-5.84
Sale of Property, Plant & Equipment	0.04	-	0.96	1.65	1.83	0.06
Other Investing Activities	1.47	12.84	2.93	2.82	1.93	1.47
Investing Cash Flow	-84.12	-122.5	-118.16	-162.95	-424.59	-563.06
Net Change in Deposits	202.77	107.59	31.21	243.81	261.98	479.74
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-0	-0.01	-0.02	-60.98	61	-0
Long-Term Debt Issued	310	307	130	135	290	100
Long-Term Debt Repaid	-285	-315	-135	-110	-295	-100
Net Long-Term Debt Issued (Repaid)	25	-8	-5	25	-5	0
Issuance of Common Stock	-	-	0.01	0.07	0.08	0.06
Repurchase of Common Stock	-6.52	-13.65	-1.05	-5.81	-4.63	-17.96
Net Common Stock Issued (Repurchased)	-6.52	-13.65	-1.04	-5.74	-4.55	-17.9
Common Dividends Paid	-22.3	-21.6	-20.05	-19.33	-18.57	-18.16
Financing Cash Flow	158.95	64.34	5.11	182.77	294.86	443.68
Net Cash Flow	89.59	18.51	-49.9	95.41	-35.1	-9.23
Free Cash Flow	25.86	70.17	55.2	69.57	88.95	104.32
Free Cash Flow Growth	-59.03%	27.11%	-20.65%	-21.80%	-14.73%	92.11%
FCF Margin	11.21%	31.96%	25.31%	34.64%	43.15%	50.07%
Free Cash Flow Per Share	1.24	3.35	2.62	3.29	4.18	4.78

SEC Filings: 10-K · 10-Q