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Independent Bank Corp. (IBCP)
Price$34.58
Value ScoreC
Growth ScoreC
Momentum ScoreF
Favorite Metrics
Price vs S&P 500 (26W)-2.01%
Price vs S&P 500 (4W)0.15%
VGM Score39.58
Market Capitalization$712.56M
P/E Ratio (Annual)10.40x
Indicated Dividend Yield (Annual)3.27%
All Metrics
P/CF (Annual)9.29x
Book Value / Share (Quarterly)$24.80
P/TBV (Annual)1.43x
Indicated Dividend (Annual)$1.12
Revenue Growth (3Y)4.31%
Cash Flow / Share (Quarterly)$1.25
Payout Ratio (TTM)31.40%
Price vs S&P 500 (YTD)-1.86%
Net Profit Margin (TTM)28.82%
EPS (TTM)$3.35
10-Day Avg Trading Volume0.12M
EPS Excl Extra (TTM)$3.35
Revenue Growth (5Y)11.45%
EPS (Annual)$3.27
Dividend / Share (Annual)$1.04
ROI (Annual)12.63%
Net Profit Margin (5Y Avg)28.29%
Cash / Share (Quarterly)$2.81
P/E Basic Excl Extra (TTM)10.20x
Revenue Growth QoQ (YoY)38.97%
EPS Growth (5Y)5.25%
P/E Normalized (Annual)10.40x
ROA (Last FY)1.24%
Revenue Growth TTM (YoY)46.05%
EBITD / Share (TTM)$4.35
ROE (5Y Avg)15.39%
Operating Margin (TTM)35.45%
Cash Flow / Share (Annual)$3.41
P/B Ratio1.40x
P/B Ratio (Quarterly)1.34x
Net Income / Employee (Annual)$93,300
ROA (TTM)1.27%
EPS Growth QoQ (YoY)10.18%
EV / EBITDA (TTM)8.00x
EPS Incl Extra (Annual)$3.27
3-Month Avg Trading Volume0.17M
52-Week Price Return12.13%
EV / Free Cash Flow (Annual)10.72x
P/E Incl Extra (TTM)10.20x
Tangible BV / Share (Quarterly)$23.19
P/S Ratio (Annual)2.12x
52-Week High$39.16
EPS Excl Extra (Annual)$3.27
CapEx CAGR (5Y)8.10%
Tangible BV CAGR (5Y)5.02%
26-Week Price Return5.91%
13-Week Price Return-0.52%
Total Debt / Equity (Annual)0.08x
Enterprise Value$752.45M
Revenue / Share Growth (5Y)10.26%
Book Value / Share Growth (5Y)6.59%
Revenue / Employee (Annual)$253,050,900,000
Pretax Margin (Annual)36.84%
Cash / Share (Annual)$3.33
3-Month Return Std Dev22.48%
Net Income / Employee (TTM)$95,000
EBITDA CAGR (5Y)14.35%
EBITDA Interim CAGR (5Y)8.56%
ROE (Last FY)13.63%
EPS Basic Excl Extra (Annual)$3.27
P/FCF (TTM)10.16x
EV / Free Cash Flow (TTM)29.14x
Total Debt / Equity (Quarterly)0.08x
EPS Incl Extra (TTM)$3.35
ROI (TTM)12.86%
Dividend Growth Rate (5Y)5.63%
P/S Ratio (TTM)2.14x
Pretax Margin (5Y Avg)34.91%
Revenue / Share (Annual)$9.92
Tangible BV / Share (Annual)$22.89
Forward P/E9.52x
Free OCF CAGR (5Y)5.26%
Price vs S&P 500 (52W)-12.24%
P/E Ratio (TTM)10.20x
EPS Growth TTM (YoY)6.46%
Year-to-Date Return6.30%
5-Day Price Return2.40%
EPS Normalized (Annual)$3.27
ROA (5Y Avg)1.24%
Net Profit Margin (Annual)30.00%
Month-to-Date Return0.76%
Cash Flow / Share (TTM)$3.32
EBITD / Share (Annual)$4.35
EPS Growth (3Y)3.18%
Operating Margin (Annual)36.84%
LT Debt / Equity (Annual)0.08x
P/CF (TTM)19.90x
ROI (5Y Avg)13.08%
P/E Excl Extra (TTM)10.20x
LT Debt / Equity (Quarterly)0.08x
EPS Basic Excl Extra (TTM)$3.35
P/TBV (Quarterly)1.44x
Payout Ratio (Annual)31.51%
P/B Ratio (Annual)1.34x
Dividend / Share (TTM)$1.06
Pretax Margin (TTM)35.45%
Book Value / Share (Annual)$24.48
Price vs S&P 500 (13W)-8.77%
Net Margin Growth (5Y)8.34%
Dividend Yield (TTM)3.08%
Beta0.72x
P/FCF (Annual)10.16x
Revenue / Share (TTM)$9.88
ROE (TTM)14.15%
52-Week Low$29.63
vGradeC
gGradeC
mGradeF
vgmGradeD
Show chart for
Earnings Surprise History
Q1 260.81est. 0.80
Analyst Recommendations
Mar 2026
Apr 2026
May 2026
Jun 2026
2.50
2.50
2.50
2.50
Industry Peers — State Banks(184)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
IBCPIndependent Bank Corp. | C | C | F | $34.58 |
| BNSBank of Nova Scotia | C | C | B | $80.56 |
| BKBank of New York Mellon Corporation | D | B | A | $137.16 |
| ITUBItau Unibanco Holding S.A. American Depositary Shares | B | D | F | $7.54 |
| DBDeutsche Bank Aktiengesellschaft | B | B | F | $31.51 |
| FITBFifth Third Bancorp | D | C | B | $52.01 |
| FITBIFifth Third Bancorp Depositary Shares | D | C | B | $25.73 |
| FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M | D | C | B | $26.02 |
| FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | D | C | B | $18.36 |
| STTState Street Corporation | C | C | A | $161.75 |
| BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | A | D | F | $3.36 |
About
Independent Bank Corp is a Michigan-based commercial bank offering deposit accounts, commercial and consumer lending, and mortgage financing to individuals and businesses. The bank provides digital banking through internet and mobile platforms.