NASDAQ · Banks - Regional

IBCP (IBCP) Stock

$38.65 -0.05% NASDAQ: IBCP Financial Services

Valuation

MetricValue
Price$38.65
Market Cap$796.43M
P/E Ratio10.19
P/B Ratio1.36
P/S Ratio2.23
EPS (TTM)$3.27
52-Week High$39.17
52-Week Low$29.63
Dividend Yield3.22%

Financials & Margins

MetricValue
ROE13.72%
ROA1.25%
ROCE16.10%
Gross Margin25.71%
Operating Margin25.71%
Net Margin22.54%
Debt/Equity0.15
Current Ratio0.03

Annual Financials (USD)

Metric20212022202320242025
Revenue$207.0M$224.0M$284.0M$316.0M$315.0M
Operating Profit$77.0M$78.0M$74.0M$83.0M$81.0M
Net Profit$63.0M$63.0M$59.0M$67.0M$69.0M
EPS$2.88$2.97$2.79$3.16$3.27
Op Margin37.3%34.7%26.0%26.3%25.8%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$4.7B$5.0B$5.3B$5.3B$5.5B
Total Liabilities$4.3B$4.7B$4.9B$4.9B$5.0B
Cash$109.0M$74.0M$170.0M$120.0M$138.0M
Borrowings$109.0M$226.0M$129.0M$124.0M$117.0M

Latest News

Independent Bank Corporation Announces Date for Its Second Quarter 2026 Earnings Release GlobeNewswire · Jul 6, 2026 Why Independent Bank (IBCP) is a Top Dividend Stock for Your Portfolio Zacks · Jul 1, 2026 Independent Bank Corporation Announces Completion of the HCB Financial Corp. and Highpoint Community Bank Acquisition GlobeNewswire · Jul 1, 2026 Independent Bank (IBCP) Stock Sees Split Analyst Revisions As Fair Value Edges Lower Simply Wall St. · Jun 25, 2026 Independent Bank Says HCB Financial Shareholders Approve Merger MT Newswires · Jun 18, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$110.0M$95.0M$76.0M$63.0M$77.0M
Investing Cash Flow$-569.0M$-430.0M$-169.0M$-126.0M$-129.0M
Financing Cash Flow$462.0M$257.0M$238.0M$30.0M$95.0M
Net Cash Flow$-9.0M$-35.0M$95.0M$-50.0M$19.0M
Free Cash Flow$104.0M$89.0M$70.0M$55.0M$70.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y10.83%
Return 3Y105.28%
Return 5Y105.66%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BCAL $21.21 +0.90% 9.85 $682.22M 1.05%
CAC $57.85 +5.55% 12.57 $978.51M 3.41%
CCBG $52.84 +1.48% 13.01 $903.64M 2.24%
GSBC $80.65 -0.95% 11.27 $878.54M 2.45%
MCBS $35.62 -0.53% 12.03 $1.02B 3.25%

About IBCP

IBCP is led by CEO Gavin A. Mohr, employs 732 people, headquartered in US, publicly traded since 1985.

IBCP stock trades at $38.65 with a market capitalization of $796.43M. The stock is valued at a price-to-earnings (P/E) ratio of 10.19, price-to-book of 1.36, price-to-sales of 2.23. Over the past 52 weeks the stock has ranged between $29.63 and $39.17, and currently trades 1.3% below its 52-week high. It pays a dividend yielding 3.22%.

On profitability, IBCP generates a return on equity (ROE) of 13.72%, above the typical market average, return on capital employed of 16.10%, an operating margin of 25.71%, a net profit margin of 22.54%.

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