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Cash Flow Overview

Change in Cash
$272,248K
Free Cash flow
$66,969K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net increase in other deposits
    • Net income
    • Proceeds from maturities and pri...
    • Others
Negative Cash Flow Breakdown
    • Increase (decrease) in federal f...
    • Payments for shares repurchased ...
    • Payments to acquire debt securit...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
81,838
-49,868
-
34,262
Depreciation and amortization
10,176
-22,048
-
12,803
Change in unamortized net loan costs and premiums
291
-879
-
523
Accretion of acquired loans
4,441
3,931
-
4,610
Provision for loan and lease losses
6,250
-55,219
-
38,519
Deferred income tax expense
-640
1,433
-
-549
Equity securities, fv-ni, gain (loss)
173
-524
-
380
Gain (loss) on investments
-
-
-
-64
Gain (loss) on disposition of property plant equipment
-12
92
-
0
Gains (losses) on sales of other real estate
-51
-
-
-
Stock based compensation
3,320
-4,776
-
2,247
Increase in cash surrender value of life insurance policies
2,636
-4,020
-
2,629
Gain realized on life insurance policies
672
-1,304
-
0
Operating lease, payments
3,886
-7,409
-
3,936
Change in fair value on loans held for sale
222
-588
-
-152
Trading assets
-690
439
-
-190
Loans held for sale
5,002
-28,094
-
162
Other assets
19,560
8,451
-
-11,945
Increase (decrease) in other operating liabilities
8,588
45,630
-
-35,229
Total adjustments
-8,436
-5,139
-
17,902
Net cash provided by operating activities
73,402
117,218
78,935
52,164
Payments to acquire equity securities, fv-ni
186
-322
-
159
Increase (decrease) in equity securities, fv-ni
-
-
984
-
Proceeds from sale of debt securities, available-for-sale
-
-
0
74,303
Proceeds from maturities and principal repayments of securities available for sale
78,710
79,030
52,887
79,626
Payments to acquire debt securities, available-for-sale
69,658
168,446
99,933
204,643
Proceeds from maturities and principal repayments of securities held to maturity
47,249
23,636
79,858
26,444
Net decrease in federal home loan bank stock
-4,121
-4,083
0
-6,100
Investments in low income housing projects
-6,240
-3,863
-12,429
-5,914
Purchases of life insurance policies
8
0
46
16
Proceeds from life insurance policy
128
1,074
0
3,951
Net decrease (increase) in loans
-34,766
-82,983
49,623
2,456
Cash acquired in excess of payments to acquire business
-
-
0
97,760
Purchases of bank premises and equipment
6,433
5,604
3,405
2,480
Proceeds from sale of property, plant, and equipment
75
-
295
0
Proceeds from sale of other real estate
2,049
-
-
-
Net cash provided by (used in) investing activities
84,573
12,708
-32,873
72,516
Net decrease in time deposits
-5,841
-12,926
-151,768
-40,179
Net increase in other deposits
300,447
-16,354
-17,311
79,587
Increase (decrease) in federal funds purchased and securities sold under agreements to repurchase, net
-99,987
-99,786
338
-46,711
Proceeds from lines of credit
25,000
50,000
49,937
-
Proceeds from issuance of subordinated long-term debt
0
0
0
0
Repayments of subordinated debt
-
-
60,000
-
Maturities of subordinated debt
-
-
-
60,000
Cash received from stock option exercises
-
-
0
-
Restricted stock awards issued, net of awards surrendered
70
2,195
17
57
Proceeds from shares issued under direct stock purchase plan
812
727
745
749
Payments for shares repurchased under share repurchase program
75,001
63,261
37,493
23,356
Common dividends paid
31,087
29,055
29,387
25,151
Net cash (used in) provided by financing activities
114,273
-172,850
-184,956
-115,118
Net increase in cash and cash equivalents
272,248
-42,924
-138,894
9,562
Cash and cash equivalents at beginning of year
728,978
771,902
910,796
219,890
Cash and cash equivalents at end of period
1,001,226
728,978
771,902
910,796
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net increase inother deposits$300,447K (-51.14%↓ Y/Y)Proceeds from maturitiesand principal...$78,710K (-35.63%↓ Y/Y)Proceeds from maturitiesand principal...$47,249K (-13.88%↓ Y/Y)Net income$81,838K (-14.33%↓ Y/Y)Proceeds from lines ofcredit$25,000K Proceeds from sharesissued under direct...$812K (-23.03%↓ Y/Y)Net decrease(increase) in loans-$34,766K (-147.21%↓ Y/Y)Net decrease infederal home loan bank...-$4,121K (60.83%↑ Y/Y)Proceeds from sale ofother real estate$2,049K Proceeds from lifeinsurance policy$128K Proceeds from sale ofproperty, plant, and...$75K Net cash (used in)provided by financing...$114,273K (-80.82%↓ Y/Y)Net cash provided by(used in) investing...$84,573K (344.48%↑ Y/Y)Net cash provided byoperating activities$73,402K (-38.86%↓ Y/Y)Canceled cashflow$211,986K Canceled cashflow$82,525K Canceled cashflow$8,436K Depreciation andamortization$10,176K (-47.69%↓ Y/Y)Increase (decrease) inother operating...$8,588K (127.90%↑ Y/Y)Provision for loan andlease losses$6,250K (-71.85%↓ Y/Y)Stock basedcompensation$3,320K (-31.46%↓ Y/Y)Trading assets-$690K (-224.10%↓ Y/Y)Gains (losses) onsales of other real...-$51K Gain (loss) ondisposition of property...-$12K (86.96%↑ Y/Y)Net increase in cashand cash...$272,248K (-60.04%↓ Y/Y)Increase (decrease) infederal funds purchased...-$99,987K (57.99%↑ Y/Y)Payments for sharesrepurchased under share...$75,001K Common dividends paid$31,087K (-37.03%↓ Y/Y)Net decrease in timedeposits-$5,841K (78.51%↑ Y/Y)Restricted stock awardsissued, net of awards...$70K (-94.95%↓ Y/Y)Payments to acquire debtsecurities,...$69,658K (-42.71%↓ Y/Y)Purchases of bank premisesand equipment$6,433K (2.93%↑ Y/Y)Investments in low incomehousing projects-$6,240K (69.38%↑ Y/Y)Payments to acquireequity securities,...$186K (-46.55%↓ Y/Y)Purchases of lifeinsurance policies$8K (-85.45%↓ Y/Y)Total adjustments-$8,436K (-134.38%↓ Y/Y)Canceled cashflow$29,087K Other assets$19,560K (159.22%↑ Y/Y)Loans held for sale$5,002K (-45.62%↓ Y/Y)Accretion of acquiredloans$4,441K (588.53%↑ Y/Y)Operating lease, payments$3,886K (-47.68%↓ Y/Y)Increase in cashsurrender value of life...$2,636K (-35.75%↓ Y/Y)Gain realized on lifeinsurance policies$672K (-59.27%↓ Y/Y)Deferred income taxexpense-$640K (-243.18%↓ Y/Y)Change in unamortizednet loan costs and...$291K (-56.63%↓ Y/Y)Change in fair value onloans held for sale$222K (-31.27%↓ Y/Y)Equity securities,fv-ni, gain (loss)$173K (2.37%↑ Y/Y)

INDEPENDENT BANK CORP (INDB)

INDEPENDENT BANK CORP (INDB)