INDB - NASDAQ
Independent Bank Corp.
$76.74
-0.97%Independent Bank Corp. operates as the bank holding company for Rockland Trust Company that provides commercial banking products and services to individuals and small-to-medium sized businesses primarily in Massachusetts. The company accepts interest checking, money market, and savings accounts, as well as demand deposits and time certificates of deposit. It also offers commercial and industrial, commercial real estate and construction, small business, consumer real estate, and personal loans. In addition, the company provides investment management and trust services to individuals, institutions, small businesses, and charitable institutions; Internet and mobile banking services, as well as estate settlement, financial planning, tax services, and other services; automated teller machine and debit cards; and mutual fund and unit investment trust shares, general securities, fixed and variable annuities, and life insurance products. As of December 31, 2021, it operates one hundred nineteen retail branches, two limited-service retail branches, and one mobile branch located within Barnstable, Bristol, Dukes, Essex, Middlesex, Nantucket, Norfolk, Plymouth, Suffolk, and Worcester counties in Eastern Massachusetts. The company was founded in 1907 and is headquartered in Rockland, Massachusetts.
At a Glance
Live SnapshotIndependent Bank Corp. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Independent Bank Corp. Cash Flow Statement
INDB • NASDAQ
| Independent Bank Corp. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
205.1M | 192.1M | 239.5M | 263.8M | 121M | 121.2M | 165.2M | 121.6M | 87.2M | 76.6M | 65M | 59.8M | 50.3M | 42.6M | 45.4M | 40.2M | 23M | 24M | 28.4M | 32.9M | |
42.1M | 40.9M | 36.1M | 38.8M | 32.8M | 27.3M | 19.4M | 15.6M | 15.7M | 14.4M | 12.3M | 12.1M | 8.5M | 10.2M | 9.6M | 9.9M | 5.7M | 4.6M | 5.7M | 5.9M | |
-3.3M | -10.6M | 2.7M | -1.3M | 3.1M | -17.5M | 10.6M | -4.5M | 9.7M | -5K | 10.2M | 2.8M | 2.6M | -1.9M | 91K | -2.5M | -2.3M | -7.9M | -1.8M | 1M | |
9M | 6.5M | 6.4M | 4.5M | 4.3M | 4.1M | 4.4M | 4.2M | 3.3M | 3M | 2.5M | 2.7M | 2.5M | 2.8M | 2.5M | 1.7M | 774K | 526K | 0.0 | 0.0 | |
24.6M | 11.2M | -6M | -26.4M | -36.9M | 23.6M | -21.8M | -851K | -2M | 558K | -2.3M | 5.7M | 5.4M | 15.4M | 7.9M | 15.5M | 18M | 15.7M | 2.8M | -2M | |
(34.8M) | (51.1M) | (43.7M) | (44.3M) | (23.4M) | (48.2M) | (39.6M) | (27.8M) | (32.9M) | (33.5M) | (11.8M) | (14.5M) | (12.2M) | (11.1M) | (19M) | (12.6M) | (4.9M) | (16.8M) | (0.0) | (0.0) | |
-26.4M | -10.1M | -1.7M | 141.7M | 65.9M | -94M | 38.7M | 5.7M | 16.9M | -1.6M | 1.9M | 7.1M | 72.2M | -25.3M | -9M | -18.2M | -13.8M | -14.9M | 2.6M | -4.4M | |
251.2M | 229.9M | 277M | 421.2M | 190.2M | 64.6M | 216.5M | 141.8M | 130.9M | 93.3M | 89.5M | 90.3M | 141.3M | 44M | 56.5M | 46.7M | 31.4M | 22.1M | 37.6M | 33.3M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-12.1M | -20.4M | -15.8M | -22.1M | -25.2M | -12.6M | -16.6M | -11.1M | -25.1M | -10.4M | -10.5M | -7.7M | -9.3M | -6.3M | -8.3M | -7M | -6.6M | -8.2M | -5.8M | -4.2M | |
(97.8M) | (0.0) | (0.0) | (0.0) | (787.3M) | (0.0) | -105.3M | -6.9M | (6.3M) | (8.7M) | -13.4M | (0.0) | (10.5M) | -9M | -457K | -269K | (97.3M) | -13.7M | -4.2M | (0.0) | |
-465.9M | -163.5M | -31.8M | -962.2M | -1.9B | -348.2M | -139.4M | -284.3M | -237.6M | -177.5M | -250.1M | -124.2M | -270M | -127.9M | -98.3M | -178.7M | -161.3M | -267.7M | -100.6M | -8.5M | |
490.3M | 373.5M | 247.6M | 306.7M | 360.3M | 370.6M | 225.4M | 170.5M | 134M | 161.4M | 152.9M | 97.9M | 134.4M | 163.8M | 167M | 202.6M | 334.7M | 213.3M | 114.8M | 228.6M | |
-105M | -222.6M | -411.6M | -322.9M | 730.6M | -498M | 56M | -255.7M | -194.4M | -221M | -84.3M | -258.7M | -74.2M | -288.6M | -250.7M | -180.4M | -58.9M | -124.2M | -21.4M | 0.0 | |
(5.1M) | -33M | -211.7M | -1B | -63.1M | -488.2M | (20.2M) | -387.5M | -316.8M | -238.9M | -205.5M | -292.7M | -208.6M | -267.9M | -190.8M | -163.8M | (205.2M) | -200.3M | -17.3M | (215.9M) | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-59.8M | -28.5M | -187.3M | -138.7M | 717K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -361K | 0.0 | 0.0 | 0.0 | -29.7M | -23.5M | |
1.4M | -517M | 1.1B | -39.1M | -604.8M | -122.2M | -80.7M | 64.6M | 0.0 | -102.8M | -49M | -40M | -136.9M | -78M | -75.2M | -59.1M | -261.9M | -2.6M | 10.6M | -53.6M | |
-103.9M | -96.2M | -98M | -93.7M | -62.7M | -60.8M | -53.3M | -40.2M | -34M | -29.7M | -26.2M | -22.4M | -15.1M | -22.5M | -16M | -15.2M | -14.6M | -11.1M | -9.5M | -9.5M | |
-62.3M | -31.8M | -190.1M | -141M | -1.2M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -361K | (0.0) | (0.0) | (0.0) | (0.0) | -24.8M | |
458.1M | 440.3M | -1B | -1B | 1.5B | 1.8B | -202.1M | 258.6M | 143.9M | 291.8M | 288.7M | 226.7M | 220.2M | 302.5M | 302.1M | 230.9M | 111.7M | 174.7M | -62.6M | -154.3M | |
295.8M | -201.4M | -193.9M | -1.3B | 817M | 1.6B | -336.2M | 283M | 109.9M | 158.9M | 213.5M | 164.3M | 68.1M | 202M | 210.5M | 156.5M | -164.8M | 160.9M | -91.2M | -240.9M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
552M | -4.4M | -128.6M | -1.9B | 944M | 1.1B | -99.5M | 37.3M | -76M | 13.3M | 97.5M | -38.1M | 851K | -22M | 76.2M | 39.4M | 71.8M | -17.3M | -70.9M | 8.3M | |
219.9M | 224.3M | 352.9M | 2.2B | 1.3B | 151M | 250.5M | 213.1M | 289.1M | 275.8M | 178.3M | 216.3M | 215.5M | 237.5M | 161.3M | 121.9M | 50.1M | 67.4M | 138.3M | 130M | |
771.9M | 219.9M | 224.3M | 352.9M | 2.2B | 1.3B | 151M | 250.5M | 213.1M | 289.1M | 275.8M | 178.3M | 216.3M | 215.5M | 237.5M | 161.3M | 121.9M | 50.1M | 67.4M | 138.3M | |
239.5M | 209.5M | 261.2M | 399.1M | 165M | 52.1M | 199.9M | 130.7M | 105.8M | 82.9M | 79.1M | 82.6M | 132M | 37.7M | 48.2M | 39.6M | 24.8M | 13.9M | 31.8M | 29.2M |
SEC Filings
INDB - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 14, 2026 | May 14, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 06, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 01, 2026 | April 30, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 16, 2026 | April 16, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 13, 2026 | April 11, 2026 | 2026 | |
DEF 14A DEF 14A 2025 N/A | March 26, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | March 19, 2026 | March 19, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 13, 2026 | March 10, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 09, 2026 | March 09, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 04, 2026 | March 04, 2026 | 2026 |
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