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. Explore INDB strategic capital deployment ratio 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 Cash Flow-to-Debt Ratio (1991–2025)
Historical debt coverage capacity for Independent Bank across 35 annual periods. Also explore Independent Bank (INDB) total assets for the complete picture of this company's asset base.
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 market cap of Independent Bank.
| 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 | — |