Independent Bank Cash Flow - Quarterly (NASDAQ:IBCP)

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$19.65 $0.15 (0.76%) IBCP stock closing price Mar 22, 2017 (Closing)

The Independent Bank cash flow statement helps investors understand how well the company is managing its cash flows. 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. Independent Bank cash flow analysis is possible because this statement breaks down how balance sheet accounts and income statement items affect cash and cash equivalents.  Independent Bank had cash and cash equivalents of $85.78M at the beginning of the quarter and $83.19M at quarter end for 2016-Q4.   Independent Bank has a negative cash and cash equivalents change of $-2.59M. View details of Independent Bank cash flows for latest & last 40 quarters.

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Quarterly
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Fiscal year is Jan - Dec. 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3
Independent Bank Net Income Cash Flow
22.77M16.91M10.53M4.1M20.01M14.44M9.4M3.78M18.02M14.11M
Depreciation Depletion Amortization Cash-Flow5.22M3.83M2.5M1.3M4.55M3.34M2.22M1.17M3.01M1.85M
Net Increase (Decrease) in Assets Liabilities-14.63M-15.9M-3.24M-2.58M-7.02M-4.03M-8.12M-9.33M-13.81M-15.2M
Cash From (used in) Discontinued Operations----------
Other Adjustments Net10.63M8.27M4.7M2.21M6.48M5.8M4.28M2.06M5.85M5.49M
Independent Bank Net Cash from (used by) Operating Activities
23.98M13.1M14.5M5.03M24.03M19.56M7.78M-2.31M13.07M6.26M
Increase (Decrease) in Prop Plant And Equipment-3.04M-1.69M-0.96M-0.61M-3.79M-2.43M-1.4M-0.97M-3.98M-2.66M
Acquisition Disposition of Subsidiaires------7.22M----
Increase (Decrease) in Investments-24.61M-2.7M-5.17M20.31M-49.54M-58.93M-18.04M-32.02M-59.78M-62.69M
Other Cash Inflow (Outflow) from Investment Activities-111.2M-77.91M-56.01M-17.7M-107.17M-50.53M-34.91M-11.32M-18.33M-10.64M
Independent Bank Net Cash from (used by) Invesment Activities
-138.86M-82.31M-62.16M1.99M-160.51M-119.13M-54.36M-44.32M-82.11M-76M
Issuance (Purchase) of Equity Shares-16.77M-16.79M-15.45M-15.47M-13.38M-8.92M-3.58M-0.88M0.09M0.06M
Issuance (Repayment) of Debt Securities-2.52M-0.42M-0.15M--0.51M-0.4M-0.14M--9.37M9.04M
Increase (Decrease) in Bank & Other Borrowings----------
Payment of Dividends & Other Cash Distributions-7.27M-5.14M-3.45M-1.75M-5.89M-4.11M-2.76M-1.38M-4.12M-2.75M
Other Cash from (used by) Financing Activities138.85M120.11M41.97M69.12M168.04M144.19M37.37M76.43M37.38M9.78M
Independent Bank Net Cash from (used by) Financing Activities
112.28M97.74M22.9M51.89M148.24M130.75M30.88M74.17M23.98M16.14M
Effect of Exchange Rate Changes on Cash----------
Independent Bank Net Change in Cash & Cash Equivalents
-2.59M28.53M-24.75M58.92M11.76M31.18M-15.69M27.53M-45.06M-53.59M
Cash & Equivalents at Beginning of Year85.78M74.01M119.08M179.78M341.1M385.37M288.73M57.7M79.28M73.14M
Cash & Equivalents at Year End83.19M114.31M61.03M144.7M85.78M105.19M58.31M101.55M74.01M65.48M
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 had a Net Change in Cash and Cash Equivalents of $-2.59M for the latest quarter 2016-Q4. If a firm is able to grow its cash, it is considered to be a positive signal and could lead to a jump in the Independent Bank stock price , albeit too much cash on hand can imply the company has no or limited avenues for growth in which to invest this cash.
  • Cash Flow from operating activities: Independent Bank reported a positive operating cash flow of $23.98M for 2016-Q4 and has seen an increase from the previous quarter. Operating cash flow or working capital comes from main business activities. Investors look for positive cash flow from recurring operating activities.
  • Cash from investing stood at a negative value of $-138.86M for IBCP stock. A company with surplus cash usually thinks of re-investing it in the form of buying fixed assests, or purchasing plant/ machinery which will help grow the business further. By looking at cash flow from investment activities one can check where the company is putting its cash.
  • Cash Flow from financing activities: The cash inflow/outflow from financing activities was $112.28M 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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