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 June 2026, meaning its operating cash flow of $20.97 Million could theoretically repay 0% of its total liabilities ($5.14 Billion) in one year. See Independent Bank Corporation financial flexibility index to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Independent Bank Corporation Cash Flow-to-Debt Ratio (1989–2025)
Historical debt coverage capacity for Independent Bank Corporation across 37 annual periods. For the full cash flow conversion analysis, see Independent Bank Corporation (IBCP) cash conversion ratio.
Annual Cash Flow-to-Debt Ratio for Independent Bank Corporation (1989–2025)
Year-by-year debt coverage analysis for Independent Bank Corporation. Check cash flow quality index of Independent Bank Corporation to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | $76.66 Million | $5.00 Billion | ▲ +18.5% |
| 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 | — |