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Independent Bank Corporation IBCP Free cash flow margin

Free cash flow margin at other companies

Financial Institutions logo
Financial InstitutionsFISI
33%-35.0pp
Fifth Third Bank logo
Fifth Third BankFITB
16.1%
Huntington Bancshares logo
Huntington BancsharesHBAN
24.4%+0.6pp
Great Southern Bancorp logo
Great Southern BancorpGSBC
33.6%-2.1pp
Independent Bank Corp logo
Independent Bank CorpINDB
36.4%+11.5pp
Southern Missouri Bancorp logo
Southern Missouri BancorpSMBC
45.8%+10.5pp

Other financials

Income statement

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Revenue$58.9M+8.9%
Net income$16.9M+8.2%
EPS (diluted)$0.81+9.5%

Balance sheet

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Cash & equivalents$174.9M+36.5%
Total debt$7.2M+13.4%
Total equity$510.6M+9.3%
Total assets$5.6B+4.3%

Cash flow

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Operating cash flow-$9.2M-148%
CapEx$4.6M+311%
Free cash flow-$13.8M-176%

Valuation

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Market cap$733.37M+16.4%
Enterprise value$565.68M+11.3%
P/E10.5×+1.0×
P/S3.2×+0.4×

Profitability

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Net margin30.3%+0.7pp

Returns & leverage

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Return on equity14.3%-0.8pp
Debt / equity0.0×

Where this comes from

Calculated from Independent Bank Corporation’s reported figures.

Based on trailing twelve months.

The official record: Independent Bank Corporation’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Independent Bank Corporation's free cash flow margin?
Independent Bank Corporation (IBCP) reported free cash flow margin of 16.6% in Q1 2026.
How has Independent Bank Corporation's free cash flow margin changed year-over-year?
Independent Bank Corporation's free cash flow margin decreased by 30.1% year-over-year, from 23.7% to 16.6%.
What is the long-term trend for Independent Bank Corporation's free cash flow margin?
Over 3 years (2022 to 2025), Independent Bank Corporation's free cash flow margin has grown at a -9.9% compound annual growth rate (CAGR), from 42.5% to 31.1%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.