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Independent Bank Corporation IBCP Q2 2025 earnings

Reported July 24, 2025 · Before market open

Revenue$54.1MBeat by $4.0M
EPS$0.81Beat by $0.03
Revenue estimate$50.1M
EPS estimate$0.78

Next report

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

Financials

Q2 2025

Income statement

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Revenue$55.9M-1.0%
Net income$16.9M-8.9%
EPS (diluted)$0.81-8.0%

Balance sheet

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Cash & equivalents$146.2M-31.8%
Total debt$7.0M+1.4%
Total equity$469.3M+9.0%
Total assets$5.4B+2.7%

Cash flow

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Operating cash flow$19.2M+119%
CapEx$2.3M+28.5%
Free cash flow$16.9M+142%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$653.33M+15.8%
Enterprise value$514.18M+44.1%
P/E10.1×+1.5×
P/S2.9×+0.3×

Profitability

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Net margin29%-1.8pp
FCF margin28.3%-3.0pp

Returns & leverage

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Return on equity14.4%-1.9pp
Debt / equity0×0.0×

Segments

By product

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Interchange income$3.4M-0.3%
Overdraft fees$2.2M-1.3%
Account service charges$673.0K+8.4%
Transaction based revenue$420.0K+23.2%
ATM fees$401.0K-2.7%

FAQ

When did Independent Bank Corporation report Q2 2025 earnings?
Independent Bank Corporation (IBCP) reported Q2 2025 earnings on July 24, 2025 before market open.
What were Independent Bank Corporation's Q2 2025 revenue and EPS?
Independent Bank Corporation reported revenue of $54.1M and eps of $0.81 for Q2 2025.
Did Independent Bank Corporation beat estimates in Q2 2025?
Revenue beat the consensus estimate of $50.1M by $4.0M. EPS beat the consensus estimate of $0.78 by $0.03.
How did Independent Bank Corporation's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 1.3% from $54.8M a year earlier and eps declined 8.0% from $0.88.
Where can I find Independent Bank Corporation's Q2 2025 SEC filings?
You can read the 8-K earnings release (0000039311-25-000083) and the 10-Q periodic report (0000039311-25-000093) directly on SEC EDGAR. The filing index links above go to sec.gov.