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Independent Bank Corporation IBCP Q3 2025 earnings

Reported October 28, 2025 · Before market open

Revenue$55.5MBeat by $9.1M
EPS$0.84Beat by $0.01
Revenue estimate$46.3M
EPS estimate$0.83

Next report

Oct 27, 2026 (in 3 months)
Revenue estimate$68.9M
EPS estimate$0.93

Financials

Q3 2025

Income statement

See full
Revenue$57.3M+11.6%
Net income$17.5M+26.7%
EPS (diluted)$0.84+29.2%

Balance sheet

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Cash & equivalents$208.7M+71.7%
Total debt$6.7M+1.5%
Total equity$490.7M+8.5%
Total assets$5.5B+4.4%

Cash flow

See full
Operating cash flow$18.2M+5.8%
CapEx$1.7M+11.0%
Free cash flow$16.5M+5.3%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$641.48M-8.0%
Enterprise value$439.51M-24.5%
P/E9.4×-1.9×
P/S2.8×-0.5×

Profitability

See full
Net margin29.8%+0.3pp
FCF margin33.2%+5.5pp

Returns & leverage

See full
Return on equity14.5%-0.5pp
Debt / equity0×0.0×

Segments

By product

See full
Interchange income$4.2M+0.3%
Overdraft fees$2.3M-1.9%
Account service charges$685.0K+15.5%
Transaction based revenue$527.0K+24.6%
Asset management revenue$413.0K-9.8%

Versus estimates

Revenue

Q2 2026$63.2MBeat by $3.2MQ1 2026$58.9MBeat by $208.0KQ4 2025$58.3MMiss by $422.3K
Q3 2025$55.5MBeat by $9.1M
Q2 2025$54.1MBeat by $4.0MQ1 2025$52.3MBeat by $6.0M

Diluted EPS

Q2 2026$0.90Beat by $0.06Q1 2026$0.81Beat by $0.02Q4 2025$0.89Beat by $0.06
Q3 2025$0.84Beat by $0.01
Q2 2025$0.81Beat by $0.03Q1 2025$0.74Beat by $0.04

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Questions, answered.

When did Independent Bank Corporation report Q3 2025 earnings?
Independent Bank Corporation (IBCP) reported Q3 2025 earnings on October 28, 2025 before market open.
What were Independent Bank Corporation's Q3 2025 revenue and EPS?
Independent Bank Corporation reported revenue of $55.5M and eps of $0.84 for Q3 2025.
Did Independent Bank Corporation beat estimates in Q3 2025?
Revenue beat the consensus estimate of $46.3M by $9.1M. EPS beat the consensus estimate of $0.83 by $0.01.
How did Independent Bank Corporation's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 11.9% from $49.6M a year earlier and eps grew 29.2% from $0.65.
Where can I find Independent Bank Corporation's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0000039311-25-000101) directly on SEC EDGAR. The filing index links above go to sec.gov.