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. See Independent Bank Corporation free cash flow ratio to measure how efficiently the company converts operating cash flow to free cash.
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 net asset momentum of Independent Bank Corporation to track the company's year-over-year net asset growth rate.
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 | — |