Independent Bank annual free cash flow
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2025
Independent Bank Free Cash Flow (FCF) History (IBCP)
Independent Bank reported $70.2M in free cash flow for fiscal 2025, an increase of 27.11% from the previous fiscal year, with a free cash flow margin of 218.76%.
View full Independent Bank company overviewIndependent Bank free cash flow by year
| Fiscal year | Period ended | Free cash flow | Change | Growth | FCF margin |
|---|---|---|---|---|---|
| 2025 | 2025-12-31 | $70.2M | $15.0M | +27.11% | +218.76% |
| 2024 | 2024-12-31 | $55.2M | −$14.4M | −20.65% | +172.62% |
| 2023 | 2023-12-31 | $69.6M | −$19.4M | −21.80% | +211.42% |
| 2022 | 2022-12-31 | $89.0M | −$15.4M | −14.73% | +281.11% |
| 2021 | 2021-12-31 | $104.3M | $50.0M | +92.11% | +358.50% |
| 2020 | 2020-12-31 | $54.3M | $24.7M | +83.72% | +226.01% |
| 2019 | 2019-12-31 | $29.6M | −$11.5M | −28.02% | +113.88% |
| 2018 | 2018-12-31 | $41.1M | $6.7M | +19.48% | +151.36% |
| 2017 | 2017-12-31 | $34.4M | $14.1M | +69.75% | +26.09% |
| 2016 | 2016-12-31 | $20.2M | $1.7M | +9.43% | +16.60% |
| 2015 | 2015-12-31 | $18.5M | $9.7M | +110.89% | +16.07% |
| 2014 | 2014-12-31 | $8.8M | −$34.9M | −79.92% | +7.83% |
| 2013 | 2013-12-31 | $43.7M | $19.6M | +81.32% | +35.59% |
| 2012 | 2012-12-31 | $24.1M | −$8.5M | −26.13% | +16.09% |
| 2011 | 2011-12-31 | $32.6M | $39.9M | — | +23.06% |
| 2010 | 2010-12-31 | −$7.3M | −$3.6M | — | −3.96% |
| 2009 | 2009-12-31 | −$3.6M | — | — | −1.83% |
Independent Bank quarterly free cash flow
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Q2.26
| Fiscal quarter | Period ended | Free cash flow | Change | YoY growth | FCF margin |
|---|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | $16.7M | −$185,000 | −1.09% | +203.84% |
| Q1 2026 | 2026-03-31 | −$13.8M | −$31.9M | — | −181.42% |
| Q4 2025 | 2025-12-31 | $6.4M | −$6.0M | −48.57% | +80.11% |
| Q3 2025 | 2025-09-30 | $28.8M | $13.1M | +83.15% | +322.57% |
| Q2 2025 | 2025-06-30 | $16.9M | $9.9M | +142.44% | +214.62% |
| Q1 2025 | 2025-03-31 | $18.1M | −$2.0M | −10.06% | +246.94% |
| Q4 2024 | 2024-12-31 | $12.4M | −$2.9M | −19.15% | +161.11% |
| Q3 2024 | 2024-09-30 | $15.7M | −$8.6M | −35.28% | +177.80% |
| Q2 2024 | 2024-06-30 | $7.0M | −$971,000 | −12.22% | +88.32% |
| Q1 2024 | 2024-03-31 | $20.2M | −$1.9M | −8.63% | +266.10% |
| Q4 2023 | 2023-12-31 | $15.3M | $16.2M | — | +187.38% |
| Q3 2023 | 2023-09-30 | $24.3M | −$7.4M | −23.38% | +266.40% |
| Q2 2023 | 2023-06-30 | $7.9M | −$14.0M | −63.84% | +98.48% |
| Q1 2023 | 2023-03-31 | $22.1M | −$14.1M | −39.04% | +291.61% |
| Q4 2022 | 2022-12-31 | −$883,000 | −$53.8M | — | −11.18% |
| Q3 2022 | 2022-09-30 | $31.7M | $43.8M | — | +371.62% |
| Q2 2022 | 2022-06-30 | $22.0M | −$8.4M | −27.73% | +280.75% |
| Q1 2022 | 2022-03-31 | $36.2M | $3.1M | +9.28% | +489.12% |
| Q4 2021 | 2021-12-31 | $52.9M | $34.3M | +183.63% | +691.16% |
| Q3 2021 | 2021-09-30 | −$12.1M | −$5.5M | — | −143.52% |
| Q2 2021 | 2021-06-30 | $30.4M | $9.6M | +46.30% | +442.68% |
| Q1 2021 | 2021-03-31 | $33.1M | $11.6M | +53.88% | +542.03% |
| Q4 2020 | 2020-12-31 | $18.7M | −$7.4M | −28.44% | +306.25% |
| Q3 2020 | 2020-09-30 | −$6.7M | $2.3M | — | −100.33% |
| Q2 2020 | 2020-06-30 | $20.8M | $18.0M | +648.76% | +407.89% |
| Q1 2020 | 2020-03-31 | $21.5M | $11.9M | +123.72% | +347.47% |
| Q4 2019 | 2019-12-31 | $26.1M | $2.8M | +12.22% | +394.60% |
| Q3 2019 | 2019-09-30 | −$8.9M | −$15.5M | — | −130.61% |
| Q2 2019 | 2019-06-30 | $2.8M | −$2.5M | −47.62% | +42.63% |
| Q1 2019 | 2019-03-31 | $9.6M | $3.7M | +61.22% | +160.28% |
| Q4 2018 | 2018-12-31 | $23.2M | −$7.1M | −23.37% | +325.90% |
| Q3 2018 | 2018-09-30 | $6.6M | $14.0M | — | +95.05% |
| Q2 2018 | 2018-06-30 | $5.3M | −$3.4M | −39.38% | +77.64% |
| Q1 2018 | 2018-03-31 | $6.0M | $3.3M | +121.08% | +95.05% |
| Q4 2017 | 2017-12-31 | $30.3M | $20.9M | +223.24% | +87.26% |
| Q3 2017 | 2017-09-30 | −$7.4M | −$4.8M | — | −22.30% |
| Q2 2017 | 2017-06-30 | $8.7M | $100,000 | +1.16% | +27.37% |
| Q1 2017 | 2017-03-31 | $2.7M | −$2.2M | −44.60% | +8.49% |
| Q4 2016 | 2016-12-31 | $9.4M | $7.5M | +402.89% | +28.05% |
| Q3 2016 | 2016-09-30 | −$2.7M | −$13.4M | — | −8.36% |
| Q2 2016 | 2016-06-30 | $8.6M | −$529,000 | −5.77% | +29.58% |
| Q1 2016 | 2016-03-31 | $4.9M | $8.2M | — | +17.67% |
| Q4 2015 | 2015-12-31 | $1.9M | −$3.3M | −63.87% | +6.34% |
| Q3 2015 | 2015-09-30 | $10.8M | $13.7M | — | +37.12% |
| Q2 2015 | 2015-06-30 | $9.2M | $9.0M | +5815.48% | +30.88% |
| Q1 2015 | 2015-03-31 | −$3.3M | −$9.7M | — | −12.14% |
| Q4 2014 | 2014-12-31 | $5.2M | −$3.1M | −37.68% | +18.95% |
| Q3 2014 | 2014-09-30 | −$2.9M | −$5.8M | — | −10.25% |
| Q2 2014 | 2014-06-30 | $155,000 | −$16.0M | −99.04% | +0.54% |
| Q1 2014 | 2014-03-31 | $6.4M | −$10.0M | −60.87% | +23.32% |
| Q4 2013 | 2013-12-31 | $8.3M | −$303,000 | −3.53% | +27.39% |
| Q3 2013 | 2013-09-30 | $2.9M | −$7.6M | −72.44% | +9.87% |
| Q2 2013 | 2013-06-30 | $16.2M | $20.1M | — | +49.68% |
| Q1 2013 | 2013-03-31 | $16.3M | $15.9M | +3987.25% | +53.39% |
| Q2 2012 | 2012-06-30 | $8.6M | $6.4M | +296.45% | +24.64% |
| Q1 2012 | 2012-03-31 | $10.5M | −$23.5M | −69.07% | +28.67% |
| Q4 2011 | 2011-12-31 | −$3.9M | $20.9M | — | −11.10% |
| Q3 2011 | 2011-09-30 | $400,000 | — | — | +1.21% |
| Q2 2011 | 2011-06-30 | $2.2M | — | — | +6.05% |
| Q1 2011 | 2011-03-31 | $34.0M | — | — | +91.48% |
| Q3 2010 | 2010-09-30 | −$24.9M | — | — | −63.02% |
Independent Bank free cash flow growth trends
Over the last five reported fiscal years, free cash flow grew from $54.3M to $70.2M, a compound annual growth rate of 5.26%. Independent Bank's latest reported quarter, Q2 2026, generated $16.7M in free cash flow, a decrease of 1.09% year over year.
About the metric
What free cash flow means
Free cash flow is the cash a company generates from operations after capital expenditures. Positive FCF can fund dividends, buybacks, debt repayment, or reinvestment; negative FCF means capital spending exceeded operating cash flow for that period.
Calculation and source
How free cash flow is calculated
TickerStat calculates free cash flow as SEC-reported operating cash flow minus capital expenditures. FCF margin equals free cash flow divided by revenue. Fiscal periods can differ from calendar years, so the tables include exact period-end dates.
Review Independent Bank filings at SEC.gov ↗