Independent Bank Corporation (IBCP) — Financial Flexibility Index
Independent Bank Corporation (IBCP) has a Financial Flexibility Index of 0.00x as of June 2026. Free cash flow of $25.58 Million (operating CF $20.97 Million minus capex $4.61 Million) represents 0% of total liabilities ($5.14 Billion). Check Independent Bank Corporation cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Independent Bank Corporation Financial Flexibility Index (1989–2025)
Historical Financial Flexibility Index trend for Independent Bank Corporation across 37 annual periods. For the full cash flow conversion analysis, see cash efficiency ratio of Independent Bank Corporation.
Annual Financial Flexibility Index for Independent Bank Corporation (1989–2025)
Year-by-year free cash flow to debt coverage for Independent Bank Corporation. Explore IBCP cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $83.16 Million | $76.66 Million | $5.00 Billion | ▲ +14.2% |
| 2024 | 0.01x | $71.10 Million | $63.15 Million | $4.88 Billion | ▼ -13.3% |
| 2023 | 0.02x | $81.61 Million | $75.59 Million | $4.86 Billion | ▼ -22.1% |
| 2022 | 0.02x | $100.31 Million | $94.63 Million | $4.65 Billion | ▼ -98.0% |
| 2021 | 1.06x | $115.99 Million | $110.15 Million | $108.96 Million | ▲ +83.7% |
| 2020 | 0.58x | $63.07 Million | $58.68 Million | $108.82 Million | ▲ +4625.2% |
| 2019 | 0.01x | $39.43 Million | $34.49 Million | $3.21 Billion | ▼ -24.2% |
| 2018 | 0.02x | $48.78 Million | $44.92 Million | $3.01 Billion | ▼ -4.7% |
| 2017 | 0.02x | $42.85 Million | $38.61 Million | $2.52 Billion | ▲ +43.7% |
| 2016 | 0.01x | $27.16 Million | $23.70 Million | $2.30 Billion | ▼ -6.3% |
| 2015 | 0.01x | $27.21 Million | $22.86 Million | $2.16 Billion | ▲ +45.1% |
| 2014 | 0.01x | $17.37 Million | $13.07 Million | $2.00 Billion | ▼ -71.6% |
| 2013 | 0.03x | $60.44 Million | $52.07 Million | $1.98 Billion | ▲ +66.4% |
| 2012 | 0.02x | $34.69 Million | $29.39 Million | $1.89 Billion | ▲ +6.0% |
| 2011 | 0.02x | $38.19 Million | $35.41 Million | $2.20 Billion | ▲ +1754.2% |
| 2010 | 0.00x | $2.26 Million | $-2.50 Million | $2.42 Billion | ▼ -78.4% |
| 2009 | 0.00x | $12.37 Million | $4.38 Million | $2.86 Billion | ▼ -58.6% |
| 2008 | 0.01x | $28.89 Million | $20.76 Million | $2.76 Billion | ▲ +11.7% |
| 2007 | 0.01x | $28.16 Million | $17.81 Million | $3.01 Billion | ▼ -16.5% |
| 2006 | 0.01x | $35.55 Million | $22.23 Million | $3.17 Billion | ▼ -44.0% |
| 2005 | 0.02x | $62.25 Million | $48.35 Million | $3.11 Billion | ▲ +5.6% |
| 2004 | 0.02x | $54.32 Million | $42.60 Million | $2.86 Billion | ▼ -71.7% |
| 2003 | 0.07x | $147.13 Million | $139.86 Million | $2.20 Billion | ▲ +2613.1% |
| 2002 | 0.00x | $-5.11 Million | $-14.59 Million | $1.92 Billion | ▲ +69.4% |
| 2001 | -0.01x | $-15.28 Million | $-20.92 Million | $1.76 Billion | ▼ -144.4% |
| 2000 | 0.02x | $32.46 Million | $30.81 Million | $1.66 Billion | ▼ -40.0% |
| 1999 | 0.03x | $52.70 Million | $46.20 Million | $1.61 Billion | ▲ +1464.6% |
| 1998 | 0.00x | $-3.70 Million | $-12.60 Million | $1.54 Billion | ▼ -115.9% |
| 1997 | 0.02x | $13.90 Million | $7.70 Million | $924.30 Million | ▼ -17.2% |
| 1996 | 0.02x | $15.20 Million | $11.50 Million | $836.80 Million | ▼ -3.3% |
| 1995 | 0.02x | $10.20 Million | $8.60 Million | $543.10 Million | ▼ -21.6% |
| 1994 | 0.02x | $11.40 Million | $10.10 Million | $475.90 Million | ▲ +5.1% |
| 1993 | 0.02x | $9.30 Million | $7.30 Million | $408.10 Million | ▲ +183.3% |
| 1992 | 0.01x | $2.70 Million | $2.00 Million | $335.70 Million | ▼ -59.9% |
| 1991 | 0.02x | $6.90 Million | $6.50 Million | $343.70 Million | ▲ +73.9% |
| 1990 | 0.01x | $3.90 Million | $3.30 Million | $337.80 Million | ▼ -44.0% |
| 1989 | 0.02x | $6.30 Million | $4.60 Million | $305.50 Million | — |