Independent Bank Corporation (IBCP) — Cash Flow-to-Debt Ratio
Independent Bank Corporation (IBCP) has a Cash Flow-to-Debt Ratio of 0.00x as of September 2025, meaning its operating cash flow of $18.20 Million could theoretically repay 0% of its total liabilities ($5.00 Billion) in one year. Explore Independent Bank Corporation (IBCP) investment intensity to see how much of total assets are deployed in long-term investments.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Independent Bank Corporation Cash Flow-to-Debt Ratio (1989–2024)
Historical debt coverage capacity for Independent Bank Corporation across 36 annual periods. Also explore Independent Bank Corporation total assets for the complete picture of this company's asset base.
Annual Cash Flow-to-Debt Ratio for Independent Bank Corporation (1989–2024)
Year-by-year debt coverage analysis for Independent Bank Corporation. For market capitalisation and broader financial context, see Independent Bank Corporation market capitalisation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2024 | 0.01x | $63.15 Million | $4.88 Billion | ▼ -16.9% |
| 2023 | 0.02x | $75.59 Million | $4.86 Billion | ▼ -23.5% |
| 2022 | 0.02x | $94.63 Million | $4.65 Billion | ▼ -98.0% |
| 2021 | 1.01x | $110.15 Million | $108.96 Million | ▲ +87.5% |
| 2020 | 0.54x | $58.68 Million | $108.82 Million | ▲ +4926.0% |
| 2019 | 0.01x | $34.49 Million | $3.21 Billion | ▼ -28.0% |
| 2018 | 0.01x | $44.92 Million | $3.01 Billion | ▼ -2.6% |
| 2017 | 0.02x | $38.61 Million | $2.52 Billion | ▲ +48.4% |
| 2016 | 0.01x | $23.70 Million | $2.30 Billion | ▼ -2.7% |
| 2015 | 0.01x | $22.86 Million | $2.16 Billion | ▲ +61.9% |
| 2014 | 0.01x | $13.07 Million | $2.00 Billion | ▼ -75.1% |
| 2013 | 0.03x | $52.07 Million | $1.98 Billion | ▲ +69.1% |
| 2012 | 0.02x | $29.39 Million | $1.89 Billion | ▼ -3.1% |
| 2011 | 0.02x | $35.41 Million | $2.20 Billion | ▲ +1652.1% |
| 2010 | 0.00x | $-2.50 Million | $2.42 Billion | ▼ -167.5% |
| 2009 | 0.00x | $4.38 Million | $2.86 Billion | ▼ -79.6% |
| 2008 | 0.01x | $20.76 Million | $2.76 Billion | ▲ +26.9% |
| 2007 | 0.01x | $17.81 Million | $3.01 Billion | ▼ -15.5% |
| 2006 | 0.01x | $22.23 Million | $3.17 Billion | ▼ -54.9% |
| 2005 | 0.02x | $48.35 Million | $3.11 Billion | ▲ +4.6% |
| 2004 | 0.01x | $42.60 Million | $2.86 Billion | ▼ -76.6% |
| 2003 | 0.06x | $139.86 Million | $2.20 Billion | ▲ +937.0% |
| 2002 | -0.01x | $-14.59 Million | $1.92 Billion | ▲ +36.2% |
| 2001 | -0.01x | $-20.92 Million | $1.76 Billion | ▼ -164.0% |
| 2000 | 0.02x | $30.81 Million | $1.66 Billion | ▼ -35.1% |
| 1999 | 0.03x | $46.20 Million | $1.61 Billion | ▲ +451.3% |
| 1998 | -0.01x | $-12.60 Million | $1.54 Billion | ▼ -198.0% |
| 1997 | 0.01x | $7.70 Million | $924.30 Million | ▼ -39.4% |
| 1996 | 0.01x | $11.50 Million | $836.80 Million | ▼ -13.2% |
| 1995 | 0.02x | $8.60 Million | $543.10 Million | ▼ -25.4% |
| 1994 | 0.02x | $10.10 Million | $475.90 Million | ▲ +18.6% |
| 1993 | 0.02x | $7.30 Million | $408.10 Million | ▲ +200.2% |
| 1992 | 0.01x | $2.00 Million | $335.70 Million | ▼ -68.5% |
| 1991 | 0.02x | $6.50 Million | $343.70 Million | ▲ +93.6% |
| 1990 | 0.01x | $3.30 Million | $337.80 Million | ▼ -35.1% |
| 1989 | 0.02x | $4.60 Million | $305.50 Million | — |