Independent Bank Corporation Financial Flexibility Index
Independent Bank Corporation 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). See Independent Bank Corporation (IBCP) FCF generation index to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Independent Bank Corporation (1989–2025)
Financial flexibility index of Independent Bank Corporation from 1989 to 2025. Historical Financial Flexibility Index trend for Independent Bank Corporation across 37 annual periods. Check Independent Bank Corporation cash earnings quality to evaluate the quality of earnings relative to operating cash generation.
Independent Bank Corporation Financial Flexibility Index by Year (1989–2025)
Independent Bank Corporation financial flexibility index by year from 1989 to 2025. Year-by-year free cash flow to debt coverage for Independent Bank Corporation. For the full cash flow conversion analysis, see cash efficiency ratio of Independent Bank Corporation.
| 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 | — |