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Independent Bank Corporation IBCP Account service charges — Revenue from contracts with customers

Other product segments

Interchange income
$3.23M+3.4%
Overdraft fees
$2.1M-0.5%
Asset management revenue
$424K+3.4%
Transaction based revenue
$385K+12.2%
ATM fees
$343K-3.4%
Other
$143K-22.3%

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COLBAccount Service Fees — Revenue
$14.25M+23.9%
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PFSService charges on deposit accounts — Revenue
$5.2M+9.7%
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BPOPService Charges On Deposit Accounts — Revenue
$38.77M-0.7%
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CHCOService charges — Revenue
$7.39M+3.4%
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OBKService charges and fees — Revenue from contracts with customers
$4.95M+5.0%
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BOHService Charges on Deposit Accounts — Revenue from Contract with Customer, Excluding Assessed Tax
$3.59M+5.1%

Other financials

Income statement

See full
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

See full
Net margin30.3%+0.7pp
FCF margin16.6%-7.1pp

Returns & leverage

See full
Return on equity14.3%-0.8pp
Debt / equity0×0.0×

Where this comes from

Reported directly by Independent Bank Corporation in its filing.

Tagged under the XBRL concept us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.

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 account service charges — revenue from contracts with customers?
Independent Bank Corporation (IBCP) reported account service charges — revenue from contracts with customers of $723K in Q1 2026.
How has Independent Bank Corporation's account service charges — revenue from contracts with customers changed year-over-year?
Independent Bank Corporation's account service charges — revenue from contracts with customers increased by 21.9% year-over-year, from $593K to $723K.
What is the long-term trend for Independent Bank Corporation's account service charges — revenue from contracts with customers?
Over 4 years (2021 to 2025), Independent Bank Corporation's account service charges — revenue from contracts with customers has grown at a 23.6% compound annual growth rate (CAGR), from $1.13M to $2.64M.
What does account service charges — revenue from contracts with customers mean?
This metric represents the fee-based income generated from depository account services provided to commercial and retail banking clients. It encompasses revenue streams derived from account maintenance, transaction processing, and other ancillary banking services associated with deposit products. Monitoring this figure helps assess the bank's ability to monetize its core deposit base through recurring service fees.