Independent Bank Corporation (IBCP) — Financial Flexibility Index
Independent Bank Corporation (IBCP) has a Financial Flexibility Index of 0.00x as of September 2025. Free cash flow of $19.86 Million (operating CF $18.20 Million minus capex $1.66 Million) represents 0% of total liabilities ($5.00 Billion). Also explore Independent Bank Corporation annual equity growth to track the company's year-over-year net asset growth rate.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Independent Bank Corporation Financial Flexibility Index (1989–2024)
Historical Financial Flexibility Index trend for Independent Bank Corporation across 36 annual periods. Check Independent Bank Corporation (IBCP) strategic investment index to assess the company's strategic physical and investment asset allocation.
Annual Financial Flexibility Index for Independent Bank Corporation (1989–2024)
Year-by-year free cash flow to debt coverage for Independent Bank Corporation. For the full company profile including market capitalisation, see Independent Bank Corporation (IBCP) market capitalisation.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 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 | — |