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Independent Bank Corporation IBCP Q1 2026 earnings

Reported April 23, 2026 · Before market open

Revenue$58.9MBeat by $208.0K
EPS$0.81Beat by $0.02
Revenue estimate$58.7M
EPS estimate$0.79

Next report

Oct 27, 2026 (in a month)
Revenue estimate$68.9M
EPS estimate$0.93

Financials

Q1 2026

Income statement

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Revenue$58.9M+8.9%
Net income$16.9M+8.2%
EPS (diluted)$0.81+9.5%

Balance sheet

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Cash & equivalents$174.9M+36.5%
Total debt$7.2M+13.4%
Total equity$510.6M+9.3%
Total assets$5.6B+4.3%

Cash flow

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Operating cash flow-$9.2M-148%
CapEx$4.6M+311%
Free cash flow-$13.8M-176%

Valuation & ratios

Valuation

as of 03/31/26
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Market cap$685.51M+6.2%
Enterprise value$517.81M-1.2%
P/E9.8×+0.1×
P/S3×+0.1×

Profitability

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Net margin30.3%+0.7pp
FCF margin16.6%-7.1pp

Returns & leverage

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Return on equity14.3%-0.8pp
Debt / equity0×0.0×

Segments

By product

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Interchange income$3.2M+3.4%
Overdraft fees$2.1M-0.5%
Account service charges$723.0K+21.9%
Asset management revenue$424.0K+3.4%
Transaction based revenue$385.0K+12.2%

FAQ

When did Independent Bank Corporation report Q1 2026 earnings?
Independent Bank Corporation (IBCP) reported Q1 2026 earnings on April 23, 2026 before market open.
What were Independent Bank Corporation's Q1 2026 revenue and EPS?
Independent Bank Corporation reported revenue of $58.9M and eps of $0.81 for Q1 2026.
Did Independent Bank Corporation beat estimates in Q1 2026?
Revenue beat the consensus estimate of $58.7M by $208.0K. EPS beat the consensus estimate of $0.79 by $0.02.
How did Independent Bank Corporation's Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 12.7% from $52.3M a year earlier and eps grew 9.5% from $0.74.
Where can I find Independent Bank Corporation's Q1 2026 SEC filings?
You can read the 8-K earnings release (0000039311-26-000039) and the 10-Q periodic report (0000039311-26-000048) directly on SEC EDGAR. The filing index links above go to sec.gov.