Independent Bank Financial Flexibility Index
Independent Bank financial flexibility index. Independent Bank (INDB) has a Financial Flexibility Index of 0.00x as of June 2026. Free cash flow of $79.83 Million (operating CF $73.40 Million minus capex $6.43 Million) represents 0% of total liabilities ($21.46 Billion). See Independent Bank free cash flow generation 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 (1991–2025)
Financial flexibility index of Independent Bank from 1991 to 2025. Historical Financial Flexibility Index trend for Independent Bank across 35 annual periods. Check Independent Bank earnings quality ratio to evaluate the quality of earnings relative to operating cash generation.
Independent Bank Financial Flexibility Index by Year (1991–2025)
Independent Bank financial flexibility index by year from 1991 to 2025. Year-by-year free cash flow to debt coverage for Independent Bank. For the full cash flow conversion analysis, see Independent Bank (INDB) cash flow conversion.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | $263.30 Million | $251.16 Million | $21.35 Billion | ▼ -19.3% |
| 2024 | 0.02x | $250.36 Million | $229.92 Million | $16.38 Billion | ▼ -14.1% |
| 2023 | 0.02x | $292.84 Million | $276.99 Million | $16.45 Billion | ▼ -34.1% |
| 2022 | 0.03x | $443.27 Million | $421.20 Million | $16.41 Billion | ▲ +118.3% |
| 2021 | 0.01x | $215.42 Million | $190.22 Million | $17.40 Billion | ▲ +84.3% |
| 2020 | 0.01x | $77.22 Million | $64.64 Million | $11.50 Billion | ▼ -99.1% |
| 2019 | 0.77x | $233.10 Million | $216.52 Million | $303.10 Million | ▲ +3811.2% |
| 2018 | 0.02x | $152.94 Million | $141.84 Million | $7.78 Billion | ▼ -10.0% |
| 2017 | 0.02x | $155.99 Million | $130.91 Million | $7.14 Billion | ▲ +44.2% |
| 2016 | 0.02x | $103.73 Million | $93.34 Million | $6.84 Billion | ▼ -2.5% |
| 2015 | 0.02x | $100.03 Million | $89.54 Million | $6.44 Billion | ▼ -9.2% |
| 2014 | 0.02x | $97.98 Million | $90.31 Million | $5.72 Billion | ▼ -37.4% |
| 2013 | 0.03x | $150.63 Million | $141.34 Million | $5.51 Billion | ▲ +184.7% |
| 2012 | 0.01x | $50.22 Million | $43.95 Million | $5.23 Billion | ▼ -33.3% |
| 2011 | 0.01x | $64.79 Million | $56.47 Million | $4.50 Billion | ▲ +14.2% |
| 2010 | 0.01x | $53.67 Million | $46.65 Million | $4.26 Billion | ▲ +34.9% |
| 2009 | 0.01x | $38.02 Million | $31.42 Million | $4.07 Billion | ▲ +2.4% |
| 2008 | 0.01x | $30.32 Million | $22.10 Million | $3.32 Billion | ▼ -46.5% |
| 2007 | 0.02x | $43.46 Million | $37.63 Million | $2.55 Billion | ▲ +18.1% |
| 2006 | 0.01x | $37.54 Million | $33.35 Million | $2.60 Billion | ▼ -20.6% |
| 2005 | 0.02x | $51.17 Million | $45.78 Million | $2.81 Billion | ▲ +106.2% |
| 2004 | 0.01x | $24.11 Million | $19.32 Million | $2.73 Billion | ▼ -59.5% |
| 2003 | 0.02x | $48.30 Million | $42.69 Million | $2.22 Billion | ▲ +58.3% |
| 2002 | 0.01x | $28.58 Million | $23.53 Million | $2.08 Billion | ▼ -16.5% |
| 2001 | 0.02x | $32.81 Million | $28.67 Million | $1.99 Billion | ▲ +9.4% |
| 2000 | 0.02x | $26.88 Million | $17.56 Million | $1.78 Billion | ▼ -37.7% |
| 1999 | 0.02x | $35.39 Million | $33.15 Million | $1.46 Billion | ▲ +24.4% |
| 1998 | 0.02x | $28.20 Million | $23.20 Million | $1.45 Billion | ▲ +7.9% |
| 1997 | 0.02x | $22.50 Million | $18.30 Million | $1.25 Billion | ▼ -3.0% |
| 1996 | 0.02x | $18.80 Million | $15.10 Million | $1.01 Billion | ▼ -19.4% |
| 1995 | 0.02x | $21.10 Million | $17.60 Million | $915.00 Million | ▼ -4.1% |
| 1994 | 0.02x | $20.80 Million | $18.30 Million | $865.00 Million | ▲ +13.2% |
| 1993 | 0.02x | $16.40 Million | $15.50 Million | $772.30 Million | ▲ +0.8% |
| 1992 | 0.02x | $15.90 Million | $15.30 Million | $754.40 Million | ▲ +49.4% |
| 1991 | 0.01x | $11.50 Million | $11.20 Million | $815.00 Million | — |