Independent Bank Corporation (IBCP) — Cash Flow Reinvestment Rate
Independent Bank Corporation (IBCP) has a Cash Flow Reinvestment Rate of 0.62x as of September 2025, reinvesting $11.29 Million (capex $1.66 Million plus investments $-9.63 Million) from operating cash flow of $18.20 Million. Explore Independent Bank Corporation capital reinvestment ratio to see what proportion of operating cash flow is directed to capital expenditures.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
Independent Bank Corporation Cash Flow Reinvestment Rate (1989–2024)
Historical reinvestment intensity for Independent Bank Corporation across 32 annual periods. Also explore IBCP total assets for the complete picture of this company's asset base.
Annual Cash Flow Reinvestment Rate for Independent Bank Corporation (1989–2024)
Year-by-year capital reinvestment analysis for Independent Bank Corporation. For live market cap and broader valuation context, see IBCP stock market capitalisation.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2024 | 2.00x | $126.11 Million | $63.15 Million | $7.95 Million | ▼ -26.7% |
| 2023 | 2.73x | $206.02 Million | $75.59 Million | $6.02 Million | ▲ +36.0% |
| 2022 | 2.00x | $189.68 Million | $94.63 Million | $5.68 Million | ▼ -38.5% |
| 2021 | 3.26x | $359.06 Million | $110.15 Million | $5.84 Million | ▼ -65.7% |
| 2020 | 9.50x | $557.78 Million | $58.68 Million | $4.38 Million | ▲ +705.8% |
| 2019 | 1.18x | $40.68 Million | $34.49 Million | $4.94 Million | ▼ -75.1% |
| 2018 | 4.74x | $212.97 Million | $44.92 Million | $3.86 Million | ▼ -42.4% |
| 2017 | 8.23x | $317.80 Million | $38.61 Million | $4.24 Million | ▲ +43.6% |
| 2016 | 5.73x | $135.91 Million | $23.70 Million | $3.46 Million | ▼ -1.6% |
| 2015 | 5.83x | $133.14 Million | $22.86 Million | $4.35 Million | ▼ -27.5% |
| 2014 | 8.04x | $105.09 Million | $13.07 Million | $4.30 Million | ▲ +66.5% |
| 2013 | 4.83x | $251.43 Million | $52.07 Million | $8.37 Million | ▲ +195.8% |
| 2012 | 1.63x | $47.98 Million | $29.39 Million | $5.29 Million | ▼ -48.6% |
| 2011 | 3.18x | $112.54 Million | $35.41 Million | $2.78 Million | ▲ +73.9% |
| 2009 | 1.83x | $8.00 Million | $4.38 Million | $8.00 Million | ▲ +366.8% |
| 2008 | 0.39x | $8.13 Million | $20.76 Million | $8.13 Million | ▼ -32.6% |
| 2007 | 0.58x | $10.34 Million | $17.81 Million | $10.34 Million | ▼ -3.1% |
| 2006 | 0.60x | $13.32 Million | $22.23 Million | $13.32 Million | ▲ +108.3% |
| 2005 | 0.29x | $13.90 Million | $48.35 Million | $13.90 Million | ▲ +4.5% |
| 2004 | 0.28x | $11.72 Million | $42.60 Million | $11.72 Million | ▲ +429.1% |
| 2003 | 0.05x | $7.27 Million | $139.86 Million | $7.27 Million | ▼ -2.6% |
| 2000 | 0.05x | $1.65 Million | $30.81 Million | $1.65 Million | ▼ -62.1% |
| 1999 | 0.14x | $6.50 Million | $46.20 Million | $6.50 Million | ▼ -82.5% |
| 1997 | 0.81x | $6.20 Million | $7.70 Million | $6.20 Million | ▲ +150.3% |
| 1996 | 0.32x | $3.70 Million | $11.50 Million | $3.70 Million | ▲ +72.9% |
| 1995 | 0.19x | $1.60 Million | $8.60 Million | $1.60 Million | ▲ +44.5% |
| 1994 | 0.13x | $1.30 Million | $10.10 Million | $1.30 Million | ▼ -53.0% |
| 1993 | 0.27x | $2.00 Million | $7.30 Million | $2.00 Million | ▼ -21.7% |
| 1992 | 0.35x | $700.00K | $2.00 Million | $700.00K | ▲ +468.7% |
| 1991 | 0.06x | $400.00K | $6.50 Million | $400.00K | ▼ -66.2% |
| 1990 | 0.18x | $600.00K | $3.30 Million | $600.00K | ▼ -50.8% |
| 1989 | 0.37x | $1.70 Million | $4.60 Million | $1.70 Million | — |