Independent Bank annual free cash flow
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2025
Independent Bank Free Cash Flow (FCF) History (INDB)
Independent Bank reported $239.0M in free cash flow for fiscal 2025, an increase of 14.10% from the previous fiscal year, with a free cash flow margin of 27.87%.
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 | $239.0M | $29.5M | +14.10% | +27.87% |
| 2024 | 2024-12-31 | $209.5M | −$51.7M | −19.78% | +30.37% |
| 2023 | 2023-12-31 | $261.1M | −$138.0M | −34.57% | +35.72% |
| 2022 | 2022-12-31 | $399.1M | $234.1M | +141.87% | +54.83% |
| 2021 | 2021-12-31 | $165.0M | $113.0M | +217.04% | +32.52% |
| 2020 | 2020-12-31 | $52.0M | −$147.9M | −73.97% | +10.86% |
| 2019 | 2019-12-31 | $199.9M | $69.2M | +52.94% | +39.32% |
| 2018 | 2018-12-31 | $130.7M | $24.9M | +23.53% | +33.81% |
| 2017 | 2017-12-31 | $105.8M | $23.3M | +28.27% | +30.96% |
| 2016 | 2016-12-31 | $82.5M | $3.4M | +4.36% | +26.59% |
| 2015 | 2015-12-31 | $79.1M | −$3.6M | −4.32% | +27.18% |
| 2014 | 2014-12-31 | $82.6M | −$49.4M | −37.42% | +31.06% |
| 2013 | 2013-12-31 | $132.0M | $94.4M | +250.35% | +52.69% |
| 2012 | 2012-12-31 | $37.7M | −$10.5M | −21.73% | +16.05% |
| 2011 | 2011-12-31 | $48.2M | $8.5M | +21.50% | +21.91% |
| 2010 | 2010-12-31 | $39.6M | $14.8M | +59.71% | +18.79% |
| 2009 | 2009-12-31 | $24.8M | — | — | +13.14% |
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 | $67.0M | −$35.5M | −34.67% | +26.44% |
| Q1 2026 | 2026-03-31 | $111.6M | $100.3M | +886.86% | +44.16% |
| Q4 2025 | 2025-12-31 | $75.5M | $39.0M | +106.89% | +29.74% |
| Q3 2025 | 2025-09-30 | $49.7M | −$14.7M | −22.83% | +20.38% |
| Q2 2025 | 2025-06-30 | $102.5M | $40.6M | +65.55% | +56.38% |
| Q1 2025 | 2025-03-31 | $11.3M | −$35.4M | −75.77% | +6.35% |
| Q4 2024 | 2024-12-31 | $36.5M | −$10.7M | −22.66% | +20.64% |
| Q3 2024 | 2024-09-30 | $64.4M | −$14.0M | −17.84% | +36.74% |
| Q2 2024 | 2024-06-30 | $61.9M | −$26.4M | −29.91% | +36.37% |
| Q1 2024 | 2024-03-31 | $46.7M | −$566,000 | −1.20% | +27.89% |
| Q4 2023 | 2023-12-31 | $47.2M | −$64.1M | −57.59% | +26.64% |
| Q3 2023 | 2023-09-30 | $78.4M | −$53.2M | −40.43% | +42.72% |
| Q2 2023 | 2023-06-30 | $88.3M | −$755,000 | −0.85% | +48.19% |
| Q1 2023 | 2023-03-31 | $47.2M | −$19.9M | −29.68% | +25.23% |
| Q4 2022 | 2022-12-31 | $111.3M | $86.9M | +357.24% | +55.46% |
| Q3 2022 | 2022-09-30 | $131.6M | $101.7M | +340.01% | +68.95% |
| Q2 2022 | 2022-06-30 | $89.1M | $43.2M | +94.34% | +51.57% |
| Q1 2022 | 2022-03-31 | $67.2M | $2.3M | +3.47% | +41.05% |
| Q4 2021 | 2021-12-31 | $24.3M | −$25.2M | −50.84% | +16.04% |
| Q3 2021 | 2021-09-30 | $29.9M | $8.8M | +41.78% | +25.65% |
| Q2 2021 | 2021-06-30 | $45.8M | $52.2M | — | +38.74% |
| Q1 2021 | 2021-03-31 | $64.9M | $77.1M | — | +53.74% |
| Q4 2020 | 2020-12-31 | $49.5M | −$24.9M | −33.50% | +41.64% |
| Q3 2020 | 2020-09-30 | $21.1M | −$126.2M | −85.68% | +17.54% |
| Q2 2020 | 2020-06-30 | −$6.4M | $45.9M | — | −5.36% |
| Q1 2020 | 2020-03-31 | −$12.2M | −$42.6M | — | −10.06% |
| Q4 2019 | 2019-12-31 | $74.5M | $39.4M | +112.37% | +55.86% |
| Q3 2019 | 2019-09-30 | $147.3M | $113.6M | +336.65% | +107.98% |
| Q2 2019 | 2019-06-30 | −$52.3M | −$83.1M | — | −38.82% |
| Q1 2019 | 2019-03-31 | $30.5M | −$625,000 | −2.01% | +29.27% |
| Q4 2018 | 2018-12-31 | $35.1M | −$985,000 | −2.73% | +33.78% |
| Q3 2018 | 2018-09-30 | $33.7M | −$1.0M | −2.94% | +33.90% |
| Q2 2018 | 2018-06-30 | $30.9M | $27.8M | +911.37% | +32.46% |
| Q1 2018 | 2018-03-31 | $31.1M | −$897,000 | −2.81% | +35.18% |
| Q4 2017 | 2017-12-31 | $36.0M | −$12.7M | −26.06% | +40.16% |
| Q3 2017 | 2017-09-30 | $34.8M | $11.0M | +46.61% | +39.57% |
| Q2 2017 | 2017-06-30 | $3.1M | −$8.2M | −72.88% | +3.58% |
| Q1 2017 | 2017-03-31 | $32.0M | $33.2M | — | +40.42% |
| Q4 2016 | 2016-12-31 | $48.8M | $24.9M | +104.62% | +60.55% |
| Q3 2016 | 2016-09-30 | $23.7M | $1.8M | +8.28% | +30.36% |
| Q2 2016 | 2016-06-30 | $11.3M | −$16.1M | −58.92% | +14.49% |
| Q1 2016 | 2016-03-31 | −$1.2M | −$7.2M | — | −1.63% |
| Q4 2015 | 2015-12-31 | $23.8M | $2.6M | +12.11% | +31.89% |
| Q3 2015 | 2015-09-30 | $21.9M | −$12.8M | −36.94% | +29.47% |
| Q2 2015 | 2015-06-30 | $27.4M | $13.0M | +90.28% | +37.01% |
| Q1 2015 | 2015-03-31 | $5.9M | −$6.3M | −51.51% | +8.77% |
| Q4 2014 | 2014-12-31 | $21.3M | $153,000 | +0.73% | +31.12% |
| Q3 2014 | 2014-09-30 | $34.7M | −$7.7M | −18.21% | +52.09% |
| Q2 2014 | 2014-06-30 | $14.4M | −$29.2M | −66.99% | +21.84% |
| Q1 2014 | 2014-03-31 | $12.3M | −$12.6M | −50.74% | +18.82% |
| Q4 2013 | 2013-12-31 | $21.1M | $8.0M | +60.68% | +32.78% |
| Q3 2013 | 2013-09-30 | $42.5M | $44.1M | — | +67.04% |
| Q2 2013 | 2013-06-30 | $43.6M | $23.8M | +119.94% | +69.99% |
| Q1 2013 | 2013-03-31 | $24.9M | $18.5M | +288.71% | +41.07% |
| Q4 2012 | 2012-12-31 | $13.1M | −$5.3M | −28.61% | +21.01% |
| Q3 2012 | 2012-09-30 | −$1.7M | $4.4M | — | −2.83% |
| Q2 2012 | 2012-06-30 | $19.8M | $21.6M | — | +34.41% |
| Q1 2012 | 2012-03-31 | $6.4M | −$31.3M | −83.00% | +11.48% |
| Q4 2011 | 2011-12-31 | $18.4M | −$5.6M | −23.39% | +32.75% |
| Q3 2011 | 2011-09-30 | −$6.1M | — | — | −11.28% |
| Q2 2011 | 2011-06-30 | −$1.8M | — | — | −3.25% |
| Q1 2011 | 2011-03-31 | $37.7M | — | — | +69.64% |
| Q3 2010 | 2010-09-30 | $24.0M | — | — | +45.43% |
Independent Bank free cash flow growth trends
Over the last five reported fiscal years, free cash flow grew from $52.0M to $239.0M, a compound annual growth rate of 35.65%. Independent Bank's latest reported quarter, Q2 2026, generated $67.0M in free cash flow, a decrease of 34.67% 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 ↗