Independent Bank Quarterly Cash Flow Statement
NASDAQ: IBCPFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Independent Bank free cash flow
In the quarter ended Jun 30, 2026, Independent Bank generated $20.3 million of operating cash flow and spent $3.6 million on capital expenditures. That left free cash flow of $16.7 million, a free-cash-flow margin of 203.8% of revenue. Free cash flow was down 1.1% from the prior year's $16.9 million.
Independent Bank returned $5.8 million to shareholders through dividends, equal to 34% of free cash flow. Free cash flow covered dividend payments 2.9 times.
Summary generated from market data by MetaCap's automated system. Methodology
Independent Bank cash flow statement (quarterly)
| Quarter (USD) | Q2 20262026-06-30 | Q1 20262026-03-31 | Q4 20252025-12-31 | Q3 20252025-09-30 | Q2 20252025-06-30 | Q1 20252025-03-31 | Q4 20242024-12-31 | Q3 20242024-09-30 | Q2 20242024-06-30 | Q1 20242024-03-31 | Q4 20232023-12-31 | Q3 20232023-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 18.80M | 16.88M | 18.57M | 17.50M | 16.88M | 15.59M | 18.46M | 13.81M | 18.53M | 15.99M | 13.74M | 17.54M |
| Net Income growth (YoY) | +11.42% | +8.24% | +0.60% | +26.73% | -8.91% | -2.51% | +34.33% | -21.28% | +25.27% | +23.09% | -8.90% | +1.42% |
| Depreciation & Amortization | 2.39M | 2.37M | 2.39M | 2.76M | 2.40M | 2.35M | 2.48M | 2.51M | 2.50M | 2.51M | 2.54M | 2.53M |
| Stock-Based Compensation | 675.00K | 688.00K | 748.00K | 571.00K | 639.00K | 758.00K | 588.00K | 574.00K | 579.00K | 591.00K | 559.00K | 624.00K |
| Change in Working Capital | -17.87M | 4.14M | -42.17M | 14.40M | -1.72M | 3.85M | -22.75M | 3.03M | -2.15M | -3.32M | 25.00K | -4.21M |
| Operating Cash Flow | 20.28M | -9.16M | 7.79M | 30.43M | 19.19M | 19.25M | 16.37M | 17.20M | 8.75M | 20.83M | 16.80M | 25.71M |
| Capital Expenditures | -3.56M | -4.61M | -1.44M | -1.66M | -2.28M | -1.12M | -4.01M | -1.49M | -1.77M | -676.00K | -1.51M | -1.44M |
| Investing Cash Flow | -104.89M | -16.70M | -45.56M | -21.86M | -70.86M | 15.78M | -85.23M | -67.47M | 16.85M | 17.69M | -6.75M | -78.88M |
| Dividends Paid | -5.77M | -5.77M | -5.38M | -5.38M | -5.39M | -5.45M | -5.01M | -5.02M | -5.02M | -5.00M | -4.79M | -4.82M |
| Share Repurchases | 0 | 0 | -4.66M | -413.00K | -7.32M | -33.00K | 0 | 0 | 0 | 0 | -194.00K | -1.69M |
| Financing Cash Flow | 75.14M | 62.38M | -32.53M | 53.96M | 69.68M | -26.77M | 67.18M | -42.52M | 26.90M | -46.46M | 32.27M | 51.44M |
| Net Change in Cash | -9.46M | 36.53M | -70.30M | 62.53M | 18.01M | 8.26M | -1.68M | -92.79M | 52.50M | -7.94M | 42.32M | -1.73M |
| Free Cash Flow | 16.72M | -13.77M | 6.36M | 28.77M | 16.91M | 18.13M | 12.36M | 15.71M | 6.97M | 20.16M | 15.29M | 24.27M |
This table shows 12 quarterly periods of Independent Bank's cash flow statement, from Q2 2026 back to Q3 2023, across 12 line items including net income, depreciation & amortization, stock-based compensation. Values in USD; B = billions, M = millions. Fiscal periods follow IBCP's reporting calendar. What is a cash flow statement?