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Independent Bank Corporation IBCP Q4 2025 Annual earnings

Reported January 22, 2026 · Before market open

Revenue$58.3MMiss by $422.3K
EPS$0.89Beat by $0.06
Revenue estimate$58.7M
EPS estimate$0.83

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$58.3M-5.9%
Net income$18.6M+0.6%
EPS (diluted)$0.89+2.3%

Balance sheet

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Cash & equivalents$138.4M+15.4%
Total debt$7.5M+18.8%
Total equity$503.0M+10.6%
Total assets$5.5B+3.1%

Cash flow

See full
Operating cash flow$7.8M-52.4%
CapEx$1.4M-64.2%
Free cash flow$6.4M-48.6%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$673.11M-7.5%
Enterprise value$542.25M-11.7%
P/E9.8×-1.1×
P/S3×-0.3×

Profitability

See full
Net margin30.4%+0.4pp
FCF margin31.1%+6.3pp

Returns & leverage

See full
Return on equity14.3%-1.2pp
Debt / equity0×0.0×

Segments

By product

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Interchange income$3.2M-3.3%
Overdraft fees$2.3M+1.4%
Account service charges$686.0K+20.1%
Transaction based revenue$583.0K+68.5%
Asset management revenue$423.0K+6.0%

Versus estimates

Revenue

Q2 2026$63.2MBeat by $3.2MQ1 2026$58.9MBeat by $208.0K
Q4 2025$58.3MMiss by $422.3K
Q3 2025$55.5MBeat by $9.1MQ2 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 $0.02
Q4 2025$0.89Beat by $0.06
Q3 2025$0.84Beat by $0.01Q2 2025$0.81Beat by $0.03Q1 2025$0.74Beat by $0.04

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Questions, answered.

When did Independent Bank Corporation report Q4 2025 earnings?
Independent Bank Corporation (IBCP) reported Q4 2025 earnings on January 22, 2026 before market open.
What were Independent Bank Corporation's Q4 2025 revenue and EPS?
Independent Bank Corporation reported revenue of $58.3M and eps of $0.89 for Q4 2025.
Did Independent Bank Corporation beat estimates in Q4 2025?
Revenue missed the consensus estimate of $58.7M by $422.3K. EPS beat the consensus estimate of $0.83 by $0.06.
How did Independent Bank Corporation's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 3.5% from $60.4M a year earlier and eps grew 2.3% from $0.87.
Where can I find Independent Bank Corporation's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000039311-26-000004) and the 10-K periodic report (0000039311-26-000009) directly on SEC EDGAR. The filing index links above go to sec.gov.