Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

IBCP stock hub

Independent Bank Corporation has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

711.5M

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

IBCP

In the news

Latest news · IBCP

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E9.6

P25 8.8P50 10.4P75 13.1

Trailing P/E10.3

P25 10.9P50 14.7P75 36.2

ROE14.3

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All IBCP market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

214

Groups with data

Currency

USD

Showing 214 of 214 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0000039311
Company name	Independent Bank Corporation
Country	United States
Country code	US
Cusip	453838609
Employees	826
Employees Change	-8%
Employees Change Percent	-0.96
Enterprise value	$603.5M
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
Isin	US4538386099
Last refreshed	2026-05-10
Market cap	$711.5M
Market cap category	Small-Cap
Price	$34.53
Price currency	USD
Rev Per Employee	272,006.05x
Sector	Financials
Sic	6022
Symbol	IBCP
Website	https://www.independentbank.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	9.81%
EV Earnings	8.64x
EV Sales Forward	2.64x
EV/Sales	2.69x
Forward P/E	9.57x
P/B ratio	1.39x
P/E ratio	10.34x
P/S ratio	3.17x
PE Ratio10 Y	11.33x
PE Ratio3 Y	9.15x
PE Ratio5 Y	8.36x
PS Forward	3.11x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	$224.7M
Net Income	$69.8M
Net Income Growth	5.18%
Net Income Growth Q	8.24%
Net Income Growth Quarters	2%
Net Income Growth Years	2%
Net Income Growth3 Y	6.15%
Net Income Growth5 Y	-0.99%
Pretax Margin	36.67%
Profit Margin	31.08%
Profit Per Employee	$84,535
Profitable Years	14
ROA	1.28
Roa5y	1.28
ROE	14.28
Roe5y	15.7

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	12.82%
Cagr15y	21.48%
Cagr1y	14.77%
Cagr20y	-7.3%
Cagr3y	32.97%
Cagr5y	12.02%
Div CAGR10	13.67%
Div CAGR3	6.27%
Div CAGR5	5.66%
EPS Growth	6.41
EPS Growth Q	9.46
EPS Growth Quarters	2
EPS Growth Years	2
EPS Growth3 Y	6.84
EPS Growth5 Y	0.08
Revenue Growth	2.35x
Revenue Growth Q	9.65x
Revenue Growth Years	2x
Revenue Growth3 Y	4.05x
Revenue Growth5 Y	0.92x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$5.6B
Cash	$174.9M
Debt	$66.9M
Equity	$510.6M
Liabilities	$5B
Net Cash	$108M
Net Cash By Market Cap	$15.18
Net Cash Growth	779.75%
Net Debt Equity	$-0.21
Tangible Book Value	$481.4M
Tangible Book Value Per Share	$23.38
WACC	7.42

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-4.6B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	1.2%
Dividend Growth	8%
Dividend Growth Years	11%
Dividend per share	$1.12
Dividend Years	13
Dividend Yield	3.24%
Ex Div Date	2026-05-04
Last Dividend	$0.28
Payout Frequency	Quarterly
Payout Ratio	32.32%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	233.96%
1Y total return	14.76%
200-day SMA	32.97
3Y total return	135.13%
50-day SMA	33.74
50-day SMA vs 200-day SMA	50over200
5Y total return	76.37%
All Time High	286.7
All Time High Change	-87.96%
All Time High Date	2005-02-07
All Time Low	1
All Time Low Change	3,353%
All Time Low Date	2010-12-16
ATR	0.86
Beta	0.7
Beta1y	0.71
Beta2y	0.83
Ch YTD	6.15
High	34.59
High52	37.39
High52 Date	2026-02-04
High52ch	-7.65%
Low	33.83
Low52	29.63
Low52 Date	2025-08-05
Low52ch	16.54%
Ma50ch	2.33%
Price vs 200-day SMA	4.73%
RSI	57.15
RSI Monthly	58.6
RSI Weekly	53.73
Sharpe ratio	0.52x
Sortino ratio	1.05
Total Return	4.44%
Tr YTD	7.87
Tr15y	1,750.83%
Tr1m	2.84%
Tr1w	3.6%
Tr3m	-4.86%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	2
Analyst Count Top	2
Analyst Price Target Top	$37
Analyst Ratings	Hold
Analyst Ratings Top	Hold
Earnings EPS Estimate	$0.79
Earnings EPS Estimate Growth	6.76
Earnings Revenue Estimate	52,310,000x
Earnings Revenue Estimate Growth	19.74x
Operating Income	$87.1M
Operating margin	38.77
Price target	$37
Price Target Change	$7.15
Price Target Change Top	$7.15

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	20,030,046%
Float Percent	97.2%
Shares Insiders	2.7%
Shares Institutions	83.35%
Shares Out	20,606,157
Shares Qo Q	-0.33%
Shares Yo Y	-1.2%
Short Float	2.46%
Short Ratio	2.15
Short Shares	2.39

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	164,480.4x
Bv Per Share	24.8
Ch10y	135.9
Ch15y	1,151.1
Ch1m	1.98
Ch1w	2.74
Ch1y	10.99
Ch20y	-86.88
Ch3m	-5.66
Ch3y	111.6
Ch5y	45.94
Ch6m	12.59
Change	1.71%
Change From Open	1.71
Close	33.95
Days Gap	0
Dollar Volume	6,883,693.6
Earnings Date	2026-04-23
Earnings Time	bmo
EPS	$3.34
F Score	2
Fiscal Year End	December
Founded	1,864
Goodwill	28,300,000
Graham Number	43.17881
Graham Upside	25.05
Income Tax	$12.6M
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-23
Last Report Date	2026-03-31
Last Split Date	2010-09-01
Last Split Type	Reverse
Last10k Filing Date	2026-03-06
Lynch Fair Value	$16.71
Lynch Upside	-51.62
Ma150	33.41
Ma150ch	3.35%
Ma20	33.89
Ma20ch	1.9%
Next Earnings Date	2026-07-23
Open	33.95
Optionable	Yes
Payment Date	2026-05-14
Position In Range	92.11
Ppne	42,319,000
Price Date	2026-05-08
Ptbv Ratio	1.48
Relative Volume	1.24x
Revenue	224,677,000x
Tax By Revenue	5.59x
Tax Rate	15.25%
Tr20y	-78.04%
Tr6m	14.41%
Us State	Michigan
Volume	199,354

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

IBCP dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+3.2%

$1.12 annual per share

Payout ratio

+32.3%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+5.7%

11 consecutive years of growth

Total shareholder yield

+4.4%

Next ex-dividend date: 2026-05-04

Performance

IBCP stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns IBCP?

Insider, institutional, and short-interest positioning.

Institutional ownership

+83.3%

Float: +97.2% of shares outstanding

Insider ownership

+2.7%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

IBCP momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

57.1

Neutral momentum band

Price vs 200-day MA

+4.7%

50/200-day relationship not available

Beta (5Y)

0.70

Less volatile than the market

Sharpe ratio

0.52

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

IBCP vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	تخفيض
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	تخفيض
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	تخفيض

Questions

About IBCP

Hub-level FAQ points readers to the deeper analysis pages.

What is the current IBCP stock rating?

Independent Bank Corporation is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full IBCP analysis?

The full report lives at /stocks/IBCP/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for IBCP?

The latest report frames IBCP around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the IBCP page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.