Independent Bank Cash Flow - Annual (NASDAQ:IBCP)

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$21.15 $0.2 (0.95%) IBCP stock closing price Jul 24, 2017 (Closing)

The Independent Bank cash flow statement is one of the important reports considered by investors doing a fundamental analysis of the company. 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 purchased $3.39M worth of IBCP shares. The cash flow statement helps in the Independent Bank stock analysis by providing more information for evaluating changes in assets, liabilities and equities. Independent Bank has a negative cash and cash equivalents change of $-2.58M. 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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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:
  • Net Change in Cash and Cash Equivalents: Independent Bank cash grew YoY to $22.76M, meaning the company is able to meet its expenditure and grow cash which will also eventually reflect in the Independent Bank stock price movement.
  • Cash Flow from operating activities: This is the cash that the company receives from ongoing operations. Independent Bank lost $0.05M cash from operations. It is important to check this to see where the company is getting its money from.
  • Cash Flow from investment activities: This includes buying/selling of land and equipment, acquisitions and mergers, sell-off, investment in other companies like buying bonds, stocks etc. , and was $23.98M for IBCP in last year report.
  • 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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Key Financial Ratios For Independent Bank Cash Flow

FCF margin
0.07