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Independent Bank Corporation IBCP Reserve for unfunded lending commitments

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Other financials

Income statement

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

Balance sheet

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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

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

Valuation

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Market cap$854.67M+37.0%
Enterprise value$696.26M+43.6%
P/E11.9×+2.3×
P/S3.6×+0.8×

Profitability

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

Returns & leverage

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

Where this comes from

Reported directly by Independent Bank Corporation in its filing.

Tagged under the XBRL concept ibcp:DeferredTaxAssetsReserveForUnfundedLendingCommitments.

The source filing: Independent Bank Corporation’s 10-K, filed March 6, 2026. Open the filing →

Filed
Mar 6, 2026, 10:29 AM EST
Fiscal year
FY2025
Accession
0000039311-26-000009

FAQ

What is Independent Bank Corporation's reserve for unfunded lending commitments?
Independent Bank Corporation (IBCP) reported reserve for unfunded lending commitments of $1.14M in Q4 2025.
How has Independent Bank Corporation's reserve for unfunded lending commitments changed year-over-year?
Independent Bank Corporation's reserve for unfunded lending commitments increased by 5.9% year-over-year, from $1.08M to $1.14M.
What is the long-term trend for Independent Bank Corporation's reserve for unfunded lending commitments?
Over 5 years (2020 to 2025), Independent Bank Corporation's reserve for unfunded lending commitments has grown at a 24.7% compound annual growth rate (CAGR), from $379K to $1.14M.
What does reserve for unfunded lending commitments mean?
Reserve for unfunded lending commitments as reported by Independent Bank Corp..

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