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IBCP INDEPENDENT BANK CORP /MI/

Trailing twelve months to 2026-06-30 · as filed 2026-08-05, not restated
Financials

Scale

Market cap
$810m
Revenue TTM
$33m
Net income TTM
$72m
Free cash flow
$26m
Composite score
54.5
Sector rank
#2150

Valuation

P / E
11.3
EV / EBITDA
EV / sales
19.8
FCF yield
3.19%
Earnings yield vs 10-yr
4.13pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
219.8%
EBITDA margin
ROE
13.6%
ROIC
Revenue growth
2.9%

Insider activity, last 90 days

Net open-market
$-0.12m
Buyers
0
Sellers
3

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

These sources of revenue that are excluded from the scope of this topic include interest income, net gains on mortgage loans, net gains (losses) o n securities AFS, mortgage loan servicing, net and bank owned life insurance and were approximat ely 88.7 % and 88.6 % of total revenues for the six month periods ending June 30, 2026 and 2025, respectively. This increase primarily reflects a $183.6 million increase in average interest-earning assets and a 13 basis point increase in our tax equivalent net interest income as a percent of average interest-earning assets (the “net interest margin”). …INDEPENDENT BANK CORP /MI/, 10-Q, period ended 2026-06-30, filed 2026-08-05

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