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Independent Bank Corporation

IBCP • Banks - Regional
$37.37
▲ +0.36 (+0.97%)
Current price
EarningsLatest report: Jun 30, 2026
FAVORABLE PROFILEAttractiveConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.
Market Cap
$777.56M
Growth
—
Cash Flow
5/5
Trend
Stable
Evidence
Stable or improving margins · 21.7%Positive revenue growth · 12.3%Positive free cash flow · 3.39Consistent free cash flow · 5/5Reasonable earnings multiple · 9.81
Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 7, 2026, 1:18 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$37.37
Change0.97%
Shares Out20.81M
Market Cap$777.56M
Enterprise Value$386.42M
52W Range29.83 - 39.24
Beta0.70
P/E10.84
P/S2.46
P/B1.47
P/FCF38.38
EV/Sales1.22

Investment DNA

How strong this company looks for long-term investors

77
out of 100
Business Quality
Margins, moat, returns
85/100
Financial Strength
Debt, cash, stability
39/100
Growth Potential
Revenue and expansion
58/100
Price Attractiveness
Cheap or expensive today
90/100
Why this score▼
Stable or improving margins · 21.7%Positive revenue growth · 12.3%Positive free cash flow · 3.39Consistent free cash flow · 5/5Reasonable earnings multiple · 9.81Manageable debt level · 0.23

Analyst view

Analyst sentiment and price target

IBCP
Analyst sentiment
Based on 8 analyst votes · 2026-09-05
63/100
Neutral
Bullish
2
Hold
6
Bearish
0
Price Target
2026-08-07
Low
$37.00
Mean
$39.50
Median
$39.50
High
$42.00

Company Overview

IPO: 9/4/1985
Industry: Banks - Regional
P/B i: 1.47
Debt / Equity i: 0.23
Operating Margin: 25.78%
Net Margin: 21.73%
ROE i: -
ROIC: -

Financial Health

Score8 / 20
Debt / Equity: 0.23
Current Ratio: 0.03
Quick Ratio: 0.03
Status: Moderate

Warnings

  • Weak Liquidity
  • Weak quick ratio

Insider Transactions

Recent executive and insider activity

Tagg Nathaniel Ernest
Transaction: 07/31/2026
BUY
Change
—
Price
Not reported
Filing
08/04/2026
Type
BUY
Tagg Nathaniel Ernest
Transaction: 07/21/2026
OTHER
Change
0
Price
Not reported
Filing
07/27/2026
Type
OTHER
Kruse Ronia F
Transaction: 07/01/2026
BUY
Change
—
Price
Not reported
Filing
07/02/2026
Type
BUY