IBCP
NASDAQ
US
Independent Bank Corporation - Common Stock
$33.61
▲ +$0.02
(+0.06%)
Vol 138K
10
Quality Score
ok
Deep Check
2/5
ok
Rev ✓
NI ✓
>IPO ✗
Mkt Cap
$673.1M
P/E
9.8
ROE
14.5%
Margin
28.8%
D/E
8.12
Beta
0.80
Div Yield
3.20%
52W
$27–$37
Wall Street Consensus
10 analysts · Apr 20260
Strong Buy
0
Buy
7
Hold
1
Sell
2
Strong Sell
0.0%
Buy Rating
Price Chart
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Earnings
Beat rate: 75.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.86 | $0.89 | +$0.03 |
| Sep 2025 | $0.86 | $0.84 | $-0.02 |
| Jun 2025 | $0.81 | $0.81 | +$0.00 |
| Mar 2025 | $0.71 | $0.74 | +$0.03 |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | $49.5M | $60.4M | $52.3M | $54.1M | $55.5M | — |
| Net Income | $13.8M | $18.5M | $15.6M | $16.9M | $17.5M | — |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 14.1% | 14.1% | 14.1% | 14.5% | 14.5% | 14.5% |
| P/E (TTM) | 10.37 | 10.03 | 9.81 | 9.15 | 10.15 | 9.84 |
| Net Margin | — | 28.8% | 28.8% | 28.8% | 28.8% | 28.8% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 16.93 | 16.93 | 16.93 | 8.12 | 8.12 | 8.12 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
1.3%
P/S (TTM)
2.14
P/B
1.6
EPS (TTM)
$3.25
CF/Share
$3.32
Rev Growth 3Y
+4.3%
52W High
$37.13
52W Low
$26.75
$26.75
52-Week Range
$37.13
Financial Health
Free Cash Flow
$16.5M
Net Debt
-$166.8M
Cash
$208.7M
Total Debt
$41.9M
As of Sep 30, 2025
How does IBCP compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
IBCP valuation vs Banking peers
P/E ratio
9.8
▼
22%
below
peers
(12.6)
vs Peers
vs Industry
Undervalued
P/S ratio
2.1
▼
8%
below
peers
(2.3)
vs Peers
vs Industry
Fair value
P/B ratio
1.6
▲
52%
above
peers
(1.1)
vs Peers
vs Industry
Overvalued
Div yield
3.2%
▲
7%
above
peers
(3.0%)
vs Peers
vs Industry
In line
IBCP profitability vs Banking peers
ROE
14.5%
▲
62%
above
peers
(9.0%)
vs Peers
vs Industry
Top tier
Net margin
28.8%
▲
1%
above
peers
(28.6%)
vs Peers
vs Industry
In line
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
1.3%
▲
34%
above
peers
(1.0%)
vs Peers
vs Industry
Top tier
IBCP financial health vs Banking peers
D/E ratio
8.1
▼
41%
below
peers
(13.8)
vs Peers
vs Industry
Above avg
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.8
▲
16%
above
peers
(0.7)
vs Peers
vs Industry
More volatile
IBCP fundamentals radar
IBCP
Peer median
Industry
IBCP profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
IBCP vs peers: key metrics
Related Signals
Dividends
$1.06
/ year
Feb 03, 2026
$0.2800
Nov 04, 2025
$0.2600
Aug 05, 2025
$0.2600
May 05, 2025
$0.2600
Feb 04, 2025
$0.2600
Nov 05, 2024
$0.2400
Aug 05, 2024
$0.2400
May 02, 2024
$0.2400
Latest News
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