Independent Bank Free Cash Flow Generation Index
Independent Bank free cash flow generation index. Independent Bank (INDB) has a Free Cash Flow Generation Index of 0.91x as of June 2026. Free cash flow of $66.97 Million represents 1% of operating cash flow ($73.40 Million).
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
Free Cash Flow Generation Index of Independent Bank (1991–2025)
Free cash flow generation index of Independent Bank from 1991 to 2025. Historical FCF Generation Index trend for Independent Bank across 35 annual periods. See financial agility of Independent Bank to measure the company's free cash flow as a share of total liabilities.
Independent Bank Free Cash Flow Generation Index by Year (1991–2025)
Independent Bank free cash flow generation index by year from 1991 to 2025. Year-by-year Free Cash Flow Generation Index for Independent Bank. For the full cash flow conversion analysis, see Independent Bank operating cash flow efficiency.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.95x | $239.50 Million | $251.16 Million | $12.13 Million | ▲ +4.7% |
| 2024 | 0.91x | $209.49 Million | $229.92 Million | $20.43 Million | ▼ -3.4% |
| 2023 | 0.94x | $261.15 Million | $276.99 Million | $15.84 Million | ▼ -0.5% |
| 2022 | 0.95x | $399.13 Million | $421.20 Million | $22.07 Million | ▲ +9.2% |
| 2021 | 0.87x | $165.02 Million | $190.22 Million | $25.20 Million | ▲ +7.7% |
| 2020 | 0.81x | $52.05 Million | $64.64 Million | $12.59 Million | ▼ -12.8% |
| 2019 | 0.92x | $199.94 Million | $216.52 Million | $16.58 Million | ▲ +0.2% |
| 2018 | 0.92x | $130.73 Million | $141.84 Million | $11.11 Million | ▲ +14.0% |
| 2017 | 0.81x | $105.83 Million | $130.91 Million | $25.08 Million | ▼ -9.0% |
| 2016 | 0.89x | $82.94 Million | $93.34 Million | $10.39 Million | ▲ +0.7% |
| 2015 | 0.88x | $79.06 Million | $89.54 Million | $10.49 Million | ▼ -3.5% |
| 2014 | 0.91x | $82.63 Million | $90.31 Million | $7.68 Million | ▼ -2.1% |
| 2013 | 0.93x | $132.04 Million | $141.34 Million | $9.29 Million | ▲ +8.9% |
| 2012 | 0.86x | $37.69 Million | $43.95 Million | $6.26 Million | ▲ +0.6% |
| 2011 | 0.85x | $48.15 Million | $56.47 Million | $8.32 Million | ▲ +0.4% |
| 2010 | 0.85x | $39.63 Million | $46.65 Million | $7.02 Million | ▲ +7.5% |
| 2009 | 0.79x | $24.82 Million | $31.42 Million | $6.60 Million | ▲ +25.2% |
| 2008 | 0.63x | $13.94 Million | $22.10 Million | $8.22 Million | ▼ -25.4% |
| 2007 | 0.85x | $31.81 Million | $37.63 Million | $5.83 Million | ▼ -3.3% |
| 2006 | 0.87x | $29.16 Million | $33.35 Million | $4.19 Million | ▼ -0.9% |
| 2005 | 0.88x | $40.38 Million | $45.78 Million | $5.39 Million | ▲ +17.3% |
| 2004 | 0.75x | $14.54 Million | $19.32 Million | $4.79 Million | ▼ -13.4% |
| 2003 | 0.87x | $37.07 Million | $42.69 Million | $5.61 Million | ▲ +10.6% |
| 2002 | 0.79x | $18.47 Million | $23.53 Million | $5.06 Million | ▼ -8.3% |
| 2001 | 0.86x | $24.53 Million | $28.67 Million | $4.14 Million | ▲ +82.2% |
| 2000 | 0.47x | $8.25 Million | $17.56 Million | $9.31 Million | ▼ -49.6% |
| 1999 | 0.93x | $30.90 Million | $33.15 Million | $2.25 Million | ▲ +18.8% |
| 1998 | 0.78x | $18.20 Million | $23.20 Million | $5.00 Million | ▲ +1.8% |
| 1997 | 0.77x | $14.10 Million | $18.30 Million | $4.20 Million | ▲ +2.1% |
| 1996 | 0.75x | $11.40 Million | $15.10 Million | $3.70 Million | ▼ -5.8% |
| 1995 | 0.80x | $14.10 Million | $17.60 Million | $3.50 Million | ▼ -7.2% |
| 1994 | 0.86x | $15.80 Million | $18.30 Million | $2.50 Million | ▼ -8.3% |
| 1993 | 0.94x | $14.60 Million | $15.50 Million | $900.00K | ▼ -2.0% |
| 1992 | 0.96x | $14.70 Million | $15.30 Million | $600.00K | ▼ -1.3% |
| 1991 | 0.97x | $10.90 Million | $11.20 Million | $300.00K | — |