Independent Bank Corporation

IBCPNASDAQFinancial Services● Active

$35.48

+$0.16(+0.45%)

Market Cap$731106450

P/E Ratio—

52W High$39.17

52W Low$29.63

Avg Volume180K

Open$35.49

Beta0.71

Overview

Independent Bank Corporation (IBCP) Cash on Hand — Cash & Short-Term Investments

Cash & cash equivalents plus short-term investments from the balance sheet, YoY change, and net cash vs debt context.

IBCP · cash on hand · updated Dec 31, 2025

Core cash position

as of Dec 31, 2025

Cash & Short-Term Investments (CCE + ST Investments)

$161.6M▲ +11.2% vs prior year

FY · as of Dec 31, 2025 · Reported in USD

Cash & Cash Equiv. (CCE)

$138.4M

cashAndCashEquivalents

Short-Term Investments

$23.2M

shortTermInvestments

YoY Change vs Prior Year

+11.2%

vs prior fiscal year

Latest Quarter

$48.5M

Q1 2026

Data Scope & Methodology

Cash on Hand = Cash & Cash Equivalents (CCE) + Short-Term Investments, as reported on the balance sheet (10-K/10-Q). Also referred to as cash reserves or cash position. Not free cash flow.

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · Reported in USD

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · USDUpdated: December 31, 2025

Net cash vs debt

Cash vs Debt · Balance Sheet Health

Cash & ST Investments$161.6MCash on Hand

Total Debt$116.9MTotal Debt

Net Cash / Net Debt+$44.7MNet Cash Position

Cash vs Debt Ratio

Cash 58%Independent Bank Corporation cash as % of market cap: 22.10%% · MCap $1BDebt 42%

Independent Bank Corporation has a net cash position of $44.7M, holding more cash than debt.

Net Cash = Cash & ST Investments − Total Debt$161.6M − $116.9M = +$44.7M

Cash on hand history

annual cash on hand trend · Cash & Short-Term Investments

YoY Increase

YoY Decrease

Latest Year

IBCP annual cash on hand history · Cash & Short-Term Investments · Source: FMP /balance-sheet-statement

Annual cash on hand by year

IBCP cash & short-term investments history

DatePeriodCash & ST InvestmentsYoY Change

Dec 31, 2025LatestFY$161.6M+11.2%

Dec 31, 2024FY$145.3M-82.9%

Dec 31, 2023FY$849.1M-0.5%

Dec 31, 2022FY$853.7M-43.9%

Dec 31, 2021FY$1.52B+27.8%

IBCP cash on hand annual historical data · Cash & Short-Term Investments per balance sheet (10-K/10-Q) · Reported in USD · Source: FMP /balance-sheet-statement

Financial Services Sector Cash Reserves Comparison

IBCP vs peers · cash on hand

#CompanyCash & ST Inv.Market CapCash/MCapRelative

Berkshire Hathaway Inc.

Mastercard Incorporated

$10.90B$433B2.5%

Independent Bank CorporationYOU

IBCP

$161.6M$731M22.1%

Financial Services sector cash reserves · Source: FMP /balance-sheet-statement + /profile · Sorted by Cash desccompanies with most cash on hand →

About cash on hand & methodology

Independent Bank Corporation (IBCP) cash on hand as of December 31, 2025 is $161.6M, comprising $138.4M in cash and cash equivalents (CCE) plus $23.2M in short-term investments — reported as Independent Bank Corporation cash and short-term investments on the balance sheet (10-K filing). Also referred to as Independent Bank Corporation cash reserves or cash position.

Independent Bank Corporation annual cash on hand history shows increased +11.2% in 2025: increased +11.2% in 2025. Independent Bank Corporation cash reserves in 2025 reflect the company's capital allocation strategy.

Independent Bank Corporation carries total debt of $116.9M against cash of $161.6M, resulting in a net cash position of +$44.7M. For the full balance sheet, see the Financials → Balance Sheet tab.

Figures tie to SEC 10-K/10-Q balance sheet disclosures and FMP /balance-sheet-statement where noted.

Financial statements Free cash flow Net income Revenue Market cap P/E ratio Earnings Price history

Frequently asked questions

IBCP cash on hand · 5 questions

As of December 31, 2025, Independent Bank Corporation (IBCP) has $161,605,000 in cash on hand — defined as cash and short-term investments on the balance sheet. This includes $138,387,000 in cash and cash equivalents (CCE) plus $23,218,000 in short-term investments. Latest quarter (March 31, 2026): $48,475,000. Data sourced from the annual 10-K filing via FMP.

IBCP cash on handIBCP cash reservesIBCP cash 2025how much cash does IBCP have

▸ Source: FMP /balance-sheet-statement · US GAAP · Independent Bank Corporation · Independent Bank Corporation SEC 10-K & 10-Q filings · US GAAP · Last updated: December 31, 2025