Independent Bank Corporation Cash Flow-to-Debt Ratio
Independent Bank Corporation 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. Check IBCP cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Cash Flow-to-Debt Ratio of Independent Bank Corporation (1989–2025)
Cash flow-to-debt ratio of Independent Bank Corporation from 1989 to 2025. Historical debt coverage capacity for Independent Bank Corporation across 37 annual periods. Check Independent Bank Corporation (IBCP) reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Independent Bank Corporation Cash Flow-to-Debt Ratio by Year (1989–2025)
Independent Bank Corporation cash flow-to-debt ratio by year from 1989 to 2025. Year-by-year debt coverage analysis for Independent Bank Corporation. For the full cash flow conversion analysis, see cash flow conversion of Independent Bank Corporation.
| 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 | — |