Independent Bank Cash Flow - Annual (NASDAQ:IBCP)

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$20.9 $0.15 (0.72%) IBCP stock closing price Jan 24, 2017 (Closing)

The Independent Bank cash flow statement helps investors understand how well the company is managing its cash flows. Financials statements like the income statement and balance sheet show that the company has Independent Bank profits and Independent Bank debt, while the cash flow statement provides details of cash flow movments. Items like capital purchases, bank loan payments etc. which have a direct impact on the cash position of a company come out through the statemement of cash flows and help an investor who undertakes the Independent Bank stock analysis. Independent Bank generated $24.03M cash from operating activities in 2015. Independent Bank has a positive cash and cash equivalents change of $11.76M. View details of Independent Bank cash flows for latest & last ten financial years.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Independent Bank Net Income Cash Flow
20.01M18.02M77.5M26.19M-20.2M-16.7M-90.22M-91.66M10.35M33.2M
Depreciation Depletion Amortization Cash-Flow4.55M3.01M-2.19M-4.71M-11.3M-27.72M-26.6M27.24M--
Net Increase (Decrease) in Assets Liabilities-7.02M-13.81M31.35M1.25M20.17M-13.11M-34.58M-6.63M-15.14M-16.54M
Cash From (used in) Discontinued Operations----------
Other Adjustments Net6.48M5.85M-54.59M6.66M46.73M54.88M102.24M98.77M22.43M5.68M
Independent Bank Net Cash from (used by) Operating Activities
24.03M13.07M52.07M29.39M35.4M-2.66M-49.16M27.71M17.64M22.33M
Increase (Decrease) in Prop Plant And Equipment-3.79M-3.98M-8.31M-3.33M-2.55M-4.42M-7.99M-8.12M-10.34M-13.31M
Acquisition Disposition of Subsidiaires--3.29M-----210.05M-
Increase (Decrease) in Investments-49.54M-59.78M-276.25M-48.26M-86.79M104.02M63.59M103.05M0.1M-52.61M
Other Cash Inflow (Outflow) from Investment Activities-107.17M-18.33M60.21M-222.29M216.8M383.89M145.57M34.28M175.9M-
Independent Bank Net Cash from (used by) Invesment Activities
-160.51M-82.11M-221.06M-273.89M127.45M483.49M201.17M129.21M375.72M-65.93M
Issuance (Purchase) of Equity Shares-13.38M0.09M17.06M1.41M1.33M0.46M-72.05M-5.83M-10.94M
Issuance (Repayment) of Debt Securities-0.51M-9.37M-9.88M-15.76M-37.64M-60.15M-411.55M185.74M137.92M-59.58M
Increase (Decrease) in Bank & Other Borrowings------9.57M-5.32M10.29M-13.04M
Payment of Dividends & Other Cash Distributions-5.89M-4.12M-----3.38M-7.76M-18.87M-17.54M
Other Cash from (used by) Financing Activities
Independent Bank Net Cash from (used by) Financing Activities
148.24M23.98M108.29M83.17M-207.12M-384.19M79.02M-178.5M-387.22M49.32M
Effect of Exchange Rate Changes on Cash----------0.1M
Independent Bank Net Change in Cash & Cash Equivalents
11.76M-45.06M-60.7M-161.32M-44.26M96.63M231.03M-21.58M6.14M5.62M
Cash & Equivalents at Beginning of Year74.01M119.08M179.78M341.1M385.37M288.73M57.7M79.28M73.14M67.52M
Cash & Equivalents at Year End85.78M74.01M119.08M179.78M341.1M385.37M288.73M57.7M79.28M73.14M
All figures in USD. M: Millions of USD, B: Billions of USD.
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Independent Bank stock price history provides insight into historical stock price fluctuations, and Independent Bank stock comparison chart enables peer comparison. Some of the key terms used in the statement of cash flows are:
  • Independent Bank has cash of $85.78M on hand. A healthy amount of cash on hand is necessary for any company. Cash has an opportunity cost associated with it, and too much cash in bank may mean that the firm has no or limited growth plans. Hence its important to track the Net Change in Cash and Cash Equivalents along with the Independent Bank stock price.
  • Cash Flow from operating activities: Operating activities include the core business activities. This line item refers to the cash generated from the same and stood at a positive value of $24.03M for IBCP.
  • Growth companies (typically most tech companies) spend heavily  on investing activities and this figure was negative at $-160.51M for IBCP stock. Sometimes a company might have a negative overall cash flow which may not be really bad if it is due to investment expenses. Hence it is important to check the cash flow from investment activities.
  • Cash Flow from financing activities: The cash inflow/outflow from financing activities was $148.24M for Independent Bank. The money accounted for under this head comes from external sources which includes lenders, investors and shareholders. Positive cash flow is generated when the company gets cash because of issuance of stocks or bonds. Similarly negative cash flow is generated when shares are repurchased, dividend payments are made, and loans or interest on loans are paid back.
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Key Financial Ratios For Independent Bank Cash Flow

FCF margin
-0.06