Independent Bank Corporation (IBCP)
NASDAQ: IBCP · Real-Time Price · USD
34.32
+0.18 (0.53%)
May 29, 2026, 4:00 PM EDT - Market closed
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 | Mar '26 Mar 31, 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 | 69.83 | 68.54 | 66.79 | 59.07 | 63.35 | 62.9 |
Depreciation & Amortization | 9.93 | 9.91 | 10.01 | 10.02 | 10.83 | 12.13 |
Provision for Credit Losses | 5.78 | 6.14 | 4.47 | 6.21 | 5.34 | -1.93 |
Stock-Based Compensation | 2.65 | 2.72 | 2.33 | 2.23 | 2.14 | 1.95 |
Net Change in Loans Held-for-Sale | -4.56 | 5.19 | 10.16 | 22.03 | 34.84 | 72.84 |
Other Adjustments | -5.52 | -8.07 | -6.44 | -5.76 | -10.67 | -43.24 |
Changes in Accrued Interest and Accounts Receivable | -37.9 | -25.65 | -25.19 | -14.62 | -25.84 | -11.67 |
Changes in Accrued Expenses | -4.62 | 17.89 | 1.02 | -3.6 | 14.65 | 17.17 |
Operating Cash Flow | 35.81 | 76.66 | 63.15 | 75.59 | 94.63 | 110.15 |
Operating Cash Flow Growth | -41.84% | 21.39% | -16.46% | -20.12% | -14.09% | 87.71% |
Net Change in Loans Held-for-Investment | -239.43 | -238.54 | -251.02 | -305.05 | -542.51 | -195.51 |
Net Change in Securities and Investments | 97.56 | 109.69 | 136.92 | 143.66 | 119.83 | -363.25 |
Capital Expenditures | -9.98 | -6.49 | -7.95 | -6.02 | -5.68 | -5.84 |
Sale of Property, Plant & Equipment | 0.02 | - | 0.96 | 1.65 | 1.83 | 0.06 |
Other Investing Activities | -1.39 | 12.84 | 2.93 | 2.82 | 1.93 | 1.47 |
Investing Cash Flow | -132.9 | -122.5 | -118.16 | -162.95 | -424.59 | -563.06 |
Net Change in Deposits | 246.75 | 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 | 287 | 307 | 130 | 135 | 290 | 100 |
Long-Term Debt Repaid | -305 | -315 | -135 | -110 | -295 | -100 |
Net Long-Term Debt Issued (Repaid) | -18 | -8 | -5 | 25 | -5 | 0 |
Issuance of Common Stock | - | - | 0.01 | 0.07 | 0.08 | 0.06 |
Repurchase of Common Stock | -13.33 | -13.65 | -1.05 | -5.81 | -4.63 | -17.96 |
Net Common Stock Issued (Repurchased) | -13.33 | -13.65 | -1.04 | -5.74 | -4.55 | -17.9 |
Common Dividends Paid | -21.92 | -21.6 | -20.05 | -19.33 | -18.57 | -18.16 |
Financing Cash Flow | 153.49 | 64.34 | 5.11 | 182.77 | 294.86 | 443.68 |
Net Cash Flow | 117.07 | 18.51 | -49.9 | 95.41 | -35.1 | -9.23 |
Free Cash Flow | 25.83 | 70.17 | 55.2 | 69.57 | 88.95 | 104.32 |
Free Cash Flow Growth | -63.20% | 27.11% | -20.65% | -21.80% | -14.73% | 92.11% |
FCF Margin | 11.49% | 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 |
Levered Free Cash Flow | 9.25 | 56.19 | 39.68 | 69.85 | 52.3 | 74.69 |
Unlevered Free Cash Flow | -42.57 | -4.35 | -22.12 | -14.22 | -6.05 | 11.8 |