Independent Bank Corporation(IBCP)Earnings, Financials & Key RatiosIndependent Bank Corporation (IBCP) stock price & volume — 10-year historical chart
Investment Thesis • Updated 2026Q1
while the bank maintains a solid equity-to-assets ratio of 0.09, the significant volatility in non-interest income and geographic concentration in Michigan suggest that investors should wait for more consistent earnings growth before increasing exposure.
Independent Bank Corporation (IBCP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Independent Bank Corporation (IBCP) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.81vs $0.79+2.5% | $59Mvs $59M+0.4% |
| Q2 2026 | Mar 6, 2026 | $0.89 | $79M |
| Q1 2026 | Jan 22, 2026 | $0.89vs $0.83+7.2% | $58Mvs $59M-0.7% |
| Q4 2025 | Oct 28, 2025 | $0.84vs $0.83+1.2% | $55Mvs $46M+19.7% |
Recent stock market news and headlines for Independent Bank Corporation (IBCP)
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Independent Bank (IBCP) have what it takes?
GRAND RAPIDS, Mich., and HASTINGS, Mich., July 01, 2026 (GLOBE NEWSWIRE) -- Independent Bank Corporation (NASDAQ: IBCP), the parent company of Independent Bank, with total assets of approximately $5.6 billion, today announced that it has completed its previously announced acquisition of HCB Financial Corp., the parent company of Highpoint Community Bank, with total assets of approximately $597 million, which has merged with and into Independent Bank Corporation.
GRAND RAPIDS, Mich., and HASTINGS, Mich., June 18, 2026 (GLOBE NEWSWIRE) -- Independent Bank Corporation (NASDAQ: IBCP), the parent company of Independent Bank, with total assets of approximately $5.5 billion, and HCB Financial Corp. (“HCB”), the parent company of Highpoint Community Bank, with total assets of approximately $590 million, previously announced the signing of a definitive merger agreement on March 18, 2026 for IBCP to acquire HCB.
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Independent Bank (IBCP) have what it takes?
Key metrics vs top competitors for Independent Bank Corporation (IBCP)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $35.90 | $739.76M | 10.98 | -0.3% | 21.73% | 14.31% | 2.88% | |
| $57.93 | $1B | 10.61 | 2.74% | 24.23% | 13.36% | — | |
| $23.10 | $222.78M | 15.82 | -9.41% | 16.49% | 8% | — | |
| $44.21 | $1.23B | 13.99 | 3.58% | 18.28% | 10.19% | — | |
| $61.72 | $1.54B | 15.39 | -1.93% | 25.81% | 14.79% | — | |
| $34.75 | $4.98B | 19.63 | 11.71% | 31.14% | 14.2% | — |
Independent Bank Corporation (IBCP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Independent Bank Corporation (IBCP) SEC filings — annual & quarterly reports (10-K, 10-Q)
Jun 18, 2026·SEC
Jun 12, 2026·SEC
Apr 29, 2026·SEC
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Independent Bank Corporation (IBCP) stock FAQ — growth, dividends, profitability & financials explained
Independent Bank Corporation (IBCP) saw revenue decline by 0.3% over the past year.
Yes, Independent Bank Corporation (IBCP) is profitable, generating $69.8M in net income for fiscal year 2025 (21.7% net margin).
Yes, Independent Bank Corporation (IBCP) pays a dividend with a yield of 2.88%. This makes it attractive for income-focused investors.
Independent Bank Corporation (IBCP) has a return on equity (ROE) of 14.3%. This is reasonable for most industries.
Independent Bank Corporation (IBCP) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.
Independent Bank Corporation (IBCP) has an efficiency ratio of 43.8%. This is excellent, indicating strong cost control.
