Independent Bank (INDB) — Cash Flow-to-Debt Ratio
Independent Bank (INDB) has a Cash Flow-to-Debt Ratio of 0.01x as of March 2026, meaning its operating cash flow of $118.02 Million could theoretically repay 0% of its total liabilities ($21.24 Billion) in one year. See Independent Bank free cash flow efficiency 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 Cash Flow-to-Debt Ratio (1991–2025)
Historical debt coverage capacity for Independent Bank across 35 annual periods. Also explore Independent Bank annual equity growth to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Independent Bank (1991–2025)
Year-by-year debt coverage analysis for Independent Bank. For market capitalisation and broader financial context, see INDB market cap overview.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | $251.16 Million | $21.35 Billion | ▼ -16.2% |
| 2024 | 0.01x | $229.92 Million | $16.38 Billion | ▼ -16.6% |
| 2023 | 0.02x | $276.99 Million | $16.45 Billion | ▼ -34.4% |
| 2022 | 0.03x | $421.20 Million | $16.41 Billion | ▲ +134.9% |
| 2021 | 0.01x | $190.22 Million | $17.40 Billion | ▲ +94.5% |
| 2020 | 0.01x | $64.64 Million | $11.50 Billion | ▼ -99.2% |
| 2019 | 0.71x | $216.52 Million | $303.10 Million | ▲ +3817.4% |
| 2018 | 0.02x | $141.84 Million | $7.78 Billion | ▼ -0.6% |
| 2017 | 0.02x | $130.91 Million | $7.14 Billion | ▲ +34.5% |
| 2016 | 0.01x | $93.34 Million | $6.84 Billion | ▼ -1.9% |
| 2015 | 0.01x | $89.54 Million | $6.44 Billion | ▼ -11.8% |
| 2014 | 0.02x | $90.31 Million | $5.72 Billion | ▼ -38.5% |
| 2013 | 0.03x | $141.34 Million | $5.51 Billion | ▲ +205.2% |
| 2012 | 0.01x | $43.95 Million | $5.23 Billion | ▼ -33.0% |
| 2011 | 0.01x | $56.47 Million | $4.50 Billion | ▲ +14.5% |
| 2010 | 0.01x | $46.65 Million | $4.26 Billion | ▲ +41.9% |
| 2009 | 0.01x | $31.42 Million | $4.07 Billion | ▲ +16.1% |
| 2008 | 0.01x | $22.10 Million | $3.32 Billion | ▼ -55.0% |
| 2007 | 0.01x | $37.63 Million | $2.55 Billion | ▲ +15.1% |
| 2006 | 0.01x | $33.35 Million | $2.60 Billion | ▼ -21.1% |
| 2005 | 0.02x | $45.78 Million | $2.81 Billion | ▲ +130.1% |
| 2004 | 0.01x | $19.32 Million | $2.73 Billion | ▼ -63.3% |
| 2003 | 0.02x | $42.69 Million | $2.22 Billion | ▲ +69.9% |
| 2002 | 0.01x | $23.53 Million | $2.08 Billion | ▼ -21.3% |
| 2001 | 0.01x | $28.67 Million | $1.99 Billion | ▲ +46.3% |
| 2000 | 0.01x | $17.56 Million | $1.78 Billion | ▼ -56.5% |
| 1999 | 0.02x | $33.15 Million | $1.46 Billion | ▲ +41.6% |
| 1998 | 0.02x | $23.20 Million | $1.45 Billion | ▲ +9.1% |
| 1997 | 0.01x | $18.30 Million | $1.25 Billion | ▼ -1.8% |
| 1996 | 0.01x | $15.10 Million | $1.01 Billion | ▼ -22.4% |
| 1995 | 0.02x | $17.60 Million | $915.00 Million | ▼ -9.1% |
| 1994 | 0.02x | $18.30 Million | $865.00 Million | ▲ +5.4% |
| 1993 | 0.02x | $15.50 Million | $772.30 Million | ▼ -1.0% |
| 1992 | 0.02x | $15.30 Million | $754.40 Million | ▲ +47.6% |
| 1991 | 0.01x | $11.20 Million | $815.00 Million | — |