Independent Bank Cash Flow - Annual (NASDAQ:IBCP)

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$19 $0.1 (0.52%) IBCP stock closing price Dec 02, 2016 (Closing)

The Independent Bank cash flow statement is one of the important reports considered by investors doing a fundamental analysis of the company. This report provides details about cash inflows and outflows due to the company's business and investment activities, and summarize cash outflows for a given quarter. For Independent Bank profits one has to check the income statement and for Independent Bank debt one has to check the balance sheet. This statement can tell if a company is running out of money while still being profitable and is useful in Independent Bank stock analysis. Independent Bank had a positive net income cash flow of $20.01M for the latest year. This report is very useful in measuring the short term viability of a company. Independent Bank saw a outflow of $78.4M from investing activities for 2015. 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 comparison chart provides an easy way to compare the stock price with peers along with details of Independent Bank stock price history.
The statement of cash flows can be categorized into three main sections:
  • 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.
  • Independent Bank increased its cash from operating activities to $10.96M in 2015. Operating activities include production of goods or creating a product or providing a service, and collecting payment for the same from customers. The cash generated from these activities is refered to as cash flow from operating activities.
  • 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: Financing activities include the cash that comes into a company in the form of loans or interest earned or shareholders money, as well as the cash that goes out. Independent Bank earned $124.26M from financing activities,in the form of repayment of loans or interest paid, dividend pay-out to shareholders etc.
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Key Financial Ratios For Independent Bank Cash Flow

FCF margin
-0.06