Skip to content
Screener

Independent Bank Corporation IBCP Q2 2026 earnings

Reported July 23, 2026 · Before market open

Revenue$63.2MBeat by $3.2M
EPS$0.90Beat by $0.06
Revenue estimate$60.1M
EPS estimate$0.84
“Our second quarter performance demonstrates the strength of Independent Bank's community banking model and the continued benefits of disciplined balance sheet management, relationship-based lending, and a stable, locally-focused deposit franchise. We saw broad-based momentum across the business, with core customer activity supporting loan growth, core deposit growth, improved earning-asset yields, and continued capital generation. Just as important, we achieved these results while maintaining strong asset quality, prudent liquidity, and capital levels that position us well for the current operating environment.”
Independent Bank Corporation

Next report

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

Financials

Q2 2026

Income statement

See full
Revenue$63.2M+13.0%
Net income$18.8M+11.4%
EPS (diluted)$0.90+11.1%

Balance sheet

See full
Cash & equivalents$165.5M+13.2%
Total debt$7.0M+0.5%
Total equity$528.4M+12.6%
Total assets$5.7B+4.5%

Cash flow

See full
Operating cash flow$20.3M+5.7%
CapEx$3.6M+56.3%
Free cash flow$16.7M-1.1%

Valuation & ratios

Valuation

as of 09/16/26
See full
Market cap$829.14M+28.6%
Enterprise value$670.73M+32.7%
P/E11.6×+1.6×
P/S3.5×+0.6×

Profitability

See full
Net margin30.2%+1.2pp
FCF margin16%-12.2pp

Returns & leverage

See full
Return on equity14.4%0.0pp
Debt / equity0×0.0×

Segments

By product

See full
Interchange income$3.6M+5.5%
Overdraft fees$2.2M+0.7%
Account service charges$768.0K+14.1%
Asset management revenue$435.0K+11.5%
Transaction based revenue$429.0K+2.1%

FAQ

When did Independent Bank Corporation report Q2 2026 earnings?
Independent Bank Corporation (IBCP) reported Q2 2026 earnings on July 23, 2026 before market open.
What were Independent Bank Corporation's Q2 2026 revenue and EPS?
Independent Bank Corporation reported revenue of $63.2M and eps of $0.90 for Q2 2026.
Did Independent Bank Corporation beat estimates in Q2 2026?
Revenue beat the consensus estimate of $60.1M by $3.2M. EPS beat the consensus estimate of $0.84 by $0.06.
How did Independent Bank Corporation's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 17.0% from $54.1M a year earlier and eps grew 11.1% from $0.81.
Where can I find Independent Bank Corporation's Q2 2026 SEC filings?
You can read the 8-K earnings release (0000039311-26-000056) and the 10-Q periodic report (0000039311-26-000061) directly on SEC EDGAR. The filing index links above go to sec.gov.