Independent Bank Corporation Cash Flow Reinvestment Rate
Independent Bank Corporation cash flow reinvestment rate. Independent Bank Corporation (IBCP) has a Cash Flow Reinvestment Rate of 0.46x as of June 2026, reinvesting $9.65 Million (capex $4.61 Million plus investments $5.04 Million) from operating cash flow of $20.97 Million. Explore IBCP cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
Cash Flow Reinvestment Rate of Independent Bank Corporation (1989–2025)
Cash flow reinvestment rate of Independent Bank Corporation from 1989 to 2025. Historical reinvestment intensity for Independent Bank Corporation across 33 annual periods. Explore IBCP capital reinvestment ratio to see what proportion of operating cash flow is directed to capital expenditures.
Independent Bank Corporation Cash Flow Reinvestment Rate by Year (1989–2025)
Independent Bank Corporation cash flow reinvestment rate by year from 1989 to 2025. Year-by-year capital reinvestment analysis for Independent Bank Corporation. For the full cash flow conversion analysis, see Independent Bank Corporation cash flow conversion.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2025 | 1.52x | $116.19 Million | $76.66 Million | $6.49 Million | ▼ -24.1% |
| 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 | — |