Independent Bank Cash Flow - Quarterly (NASDAQ:IBCP)

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$22 $0.7 (3.29%) IBCP stock closing price Apr 24, 2017 (Closing)

The cash flow statement is one of the reports a publicly traded company like Independent Bank needs to disclose. In simple terms, the cash flow statement measures the cash that has come into the company, and the cash that has gone out during a given period, while the other statements, the income statement and balance sheet, give details about Independent Bank profits and Independent Bank debt. Independent Bank had cash and cash equivalents of $85.78M at beginning of quarter and $83.19M at quarter end for 2016-Q4. Independent Bank cash flow analysis tells whether or not the company has enough cash for its day to day activities, and for investing for future growth. Independent Bank had an inflow of $10.88M from operating activities, $14.54M inflow due to financing activities, and $56.54M spend due to investing activities for 2016-Q4. 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
22.76M16.91M10.53M4.1M20.01M14.44M9.4M3.78M18.02M14.11M
Depreciation Depletion Amortization Cash-Flow5.21M3.83M2.5M1.3M4.55M3.34M2.22M1.17M3.01M1.85M
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
-138.85M-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
-2.58M28.53M-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 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 $83.19M 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.
  • The cash generated from the core business or operations was positive at $23.98M for Independent Bank in the latest quarter. For an internet company, this would include all those activities which are involved in eventually selling advertisement space on its website or any online service.
  • 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 quarter 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
0.27