Independent Bank Cash Flow Reinvestment Rate
Independent Bank cash flow reinvestment rate. Independent Bank (INDB) has a Cash Flow Reinvestment Rate of 0.77x as of June 2026, reinvesting $56.31 Million (capex $6.43 Million plus investments $49.88 Million) from operating cash flow of $73.40 Million. Explore Independent Bank debt service capacity 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 (1991–2025)
Cash flow reinvestment rate of Independent Bank from 1991 to 2025. Historical reinvestment intensity for Independent Bank across 35 annual periods. Explore how much does Independent Bank reinvest in capital to see what proportion of operating cash flow is directed to capital expenditures.
Independent Bank Cash Flow Reinvestment Rate by Year (1991–2025)
Independent Bank cash flow reinvestment rate by year from 1991 to 2025. Year-by-year capital reinvestment analysis for Independent Bank. For the full cash flow conversion analysis, see Independent Bank (INDB) cash flow conversion.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.15x | $36.53 Million | $251.16 Million | $12.13 Million | ▼ -37.4% |
| 2024 | 0.23x | $53.45 Million | $229.92 Million | $20.43 Million | ▼ -71.7% |
| 2023 | 0.82x | $227.49 Million | $276.99 Million | $15.84 Million | ▼ -66.2% |
| 2022 | 2.43x | $1.02 Billion | $421.20 Million | $22.07 Million | ▼ -70.4% |
| 2021 | 8.19x | $1.56 Billion | $190.22 Million | $25.20 Million | ▲ +10.7% |
| 2020 | 7.40x | $478.21 Million | $64.64 Million | $12.59 Million | ▲ +900.8% |
| 2019 | 0.74x | $160.07 Million | $216.52 Million | $16.58 Million | ▼ -72.1% |
| 2018 | 2.65x | $376.12 Million | $141.84 Million | $11.11 Million | ▲ +6.7% |
| 2017 | 2.49x | $325.34 Million | $130.91 Million | $25.08 Million | ▼ -3.9% |
| 2016 | 2.59x | $241.49 Million | $93.34 Million | $10.39 Million | ▲ +25.8% |
| 2015 | 2.06x | $184.21 Million | $89.54 Million | $10.49 Million | ▼ -33.1% |
| 2014 | 3.08x | $277.79 Million | $90.31 Million | $7.68 Million | ▲ +92.3% |
| 2013 | 1.60x | $226.07 Million | $141.34 Million | $9.29 Million | ▼ -73.5% |
| 2012 | 6.04x | $265.44 Million | $43.95 Million | $6.26 Million | ▲ +74.1% |
| 2011 | 3.47x | $195.88 Million | $56.47 Million | $8.32 Million | ▲ +2204.6% |
| 2010 | 0.15x | $7.02 Million | $46.65 Million | $7.02 Million | ▼ -28.4% |
| 2009 | 0.21x | $6.60 Million | $31.42 Million | $6.60 Million | ▼ -43.5% |
| 2008 | 0.37x | $8.22 Million | $22.10 Million | $8.22 Million | ▲ +140.3% |
| 2007 | 0.15x | $5.83 Million | $37.63 Million | $5.83 Million | ▲ +23.2% |
| 2006 | 0.13x | $4.19 Million | $33.35 Million | $4.19 Million | ▲ +6.6% |
| 2005 | 0.12x | $5.39 Million | $45.78 Million | $5.39 Million | ▼ -52.4% |
| 2004 | 0.25x | $4.79 Million | $19.32 Million | $4.79 Million | ▲ +88.4% |
| 2003 | 0.13x | $5.61 Million | $42.69 Million | $5.61 Million | ▼ -38.8% |
| 2002 | 0.21x | $5.06 Million | $23.53 Million | $5.06 Million | ▲ +48.9% |
| 2001 | 0.14x | $4.14 Million | $28.67 Million | $4.14 Million | ▼ -72.8% |
| 2000 | 0.53x | $9.31 Million | $17.56 Million | $9.31 Million | ▲ +682.9% |
| 1999 | 0.07x | $2.25 Million | $33.15 Million | $2.25 Million | ▼ -68.6% |
| 1998 | 0.22x | $5.00 Million | $23.20 Million | $5.00 Million | ▼ -6.1% |
| 1997 | 0.23x | $4.20 Million | $18.30 Million | $4.20 Million | ▼ -6.3% |
| 1996 | 0.25x | $3.70 Million | $15.10 Million | $3.70 Million | ▲ +23.2% |
| 1995 | 0.20x | $3.50 Million | $17.60 Million | $3.50 Million | ▲ +45.6% |
| 1994 | 0.14x | $2.50 Million | $18.30 Million | $2.50 Million | ▲ +135.3% |
| 1993 | 0.06x | $900.00K | $15.50 Million | $900.00K | ▲ +48.1% |
| 1992 | 0.04x | $600.00K | $15.30 Million | $600.00K | ▲ +46.4% |
| 1991 | 0.03x | $300.00K | $11.20 Million | $300.00K | — |