Independent Bank Cash Flow - Annual (NASDAQ:IBCP)

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$21.3 $0.15 (0.71%) IBCP stock closing price Apr 21, 2017 (Closing)

The financial analysis of IBCP requires an investor to check the cash flows for Independent Bank. While its important to look at the Independent Bank debt position, the cash flow statement becomes equally important because public companies use accrual accounting. For example, if a company sells a product which gets counted as Independent Bank revenue but does not convert to cash because it does not receive payment in the same quarter, it affects the cash position for that period. 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 year and $83.19M at year end for 2016.   IBCP increase in investments stood at a negative value of $-138.85M for the latest 2016. 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. 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
Independent Bank Net Income Cash Flow
22.76M20.01M18.02M77.5M26.19M-20.2M-16.7M-90.22M-91.66M10.35M
Depreciation Depletion Amortization Cash-Flow5.21M4.55M3.01M-2.19M-4.71M-11.3M-27.72M-26.6M27.24M-
Net Increase (Decrease) in Assets Liabilities-14.63M-7.02M-13.81M31.35M1.25M20.17M-13.11M-34.58M-6.63M-15.14M
Cash From (used in) Discontinued Operations----------
Other Adjustments Net10.63M6.48M5.85M-54.59M6.66M46.73M54.88M102.24M98.77M22.43M
Independent Bank Net Cash from (used by) Operating Activities
23.98M24.03M13.07M52.07M29.39M35.4M-2.66M-49.16M27.71M17.64M
Increase (Decrease) in Prop Plant And Equipment-3.04M-3.79M-3.98M-8.31M-3.33M-2.55M-4.42M-7.99M-8.12M-10.34M
Acquisition Disposition of Subsidiaires---3.29M-----210.05M
Increase (Decrease) in Investments-24.61M-49.54M-59.78M-276.25M-48.26M-86.79M104.02M63.59M103.05M0.1M
Other Cash Inflow (Outflow) from Investment Activities-111.2M-107.17M-18.33M60.21M-222.29M216.8M383.89M145.57M34.28M175.9M
Independent Bank Net Cash from (used by) Invesment Activities
-138.85M-160.51M-82.11M-221.06M-273.89M127.45M483.49M201.17M129.21M375.72M
Issuance (Purchase) of Equity Shares-16.77M-13.38M0.09M17.06M1.41M1.33M0.46M-72.05M-5.83M
Issuance (Repayment) of Debt Securities-2.52M-0.51M-9.37M-9.88M-15.76M-37.64M-60.15M-411.55M185.74M137.92M
Increase (Decrease) in Bank & Other Borrowings-------9.57M-5.32M10.29M-
Payment of Dividends & Other Cash Distributions-7.27M-5.89M-4.12M-----3.38M-7.76M-18.87M
Other Cash from (used by) Financing Activities
Independent Bank Net Cash from (used by) Financing Activities
112.28M148.24M23.98M108.29M83.17M-207.12M-384.19M79.02M-178.5M-387.22M
Effect of Exchange Rate Changes on Cash----------
Independent Bank Net Change in Cash & Cash Equivalents
-2.58M11.76M-45.06M-60.7M-161.32M-44.26M96.63M231.03M-21.58M6.14M
Cash & Equivalents at Beginning of Year85.78M74.01M119.08M179.78M341.1M385.37M288.73M57.7M79.28M73.14M
Cash & Equivalents at Year End83.19M85.78M74.01M119.08M179.78M341.1M385.37M288.73M57.7M79.28M
All figures in USD. M: Millions of USD, B: Billions of USD.
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The statement of cash flows comprises of cash flow from financing, cash flow from operations and cash flow from investing activities. All the three can have an impact on the stock price. The Independent Bank stock price history and Independent Bank stock comparison chart inevitably reflect its cash flow situation.
  • Independent Bank had a Net Change in Cash and Cash Equivalents of $-2.58M for the latest year 2016. 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 and has seen a decrease from the previous year. Operating cash flow or working capital comes from main business activities. Investors look for positive cash flow from recurring operating activities.
  • Cash Flow from investment activities: Independent Bank generated $21.66M cash due to investment activities. It includes the use of cash outside of normal day to day activities like buying fixed assets, plant and machinery etc.
  • Cash flow from financing activities shows the flow of cash between Independent Bank and its owners and creditors and was $112.28M for 2016. Financing activities allow a company to raise capital, and repay bondholders.
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Key Financial Ratios For Independent Bank Cash Flow

FCF margin
0.27