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Independent Bank Corporation IBCP Overdraft fees — Revenue from contracts with customers

Other product segments

Interchange income
$3.23M+3.4%
Account service charges
$723K+21.9%
Asset management revenue
$424K+3.4%
Transaction based revenue
$385K+12.2%
ATM fees
$343K-3.4%
Other
$143K-22.3%

Similar metrics at other companies

Coastal Financial logo
CCBOverdraft fees — Revenue
$51.75K+4.5%
Trustco Bank Corp logo
TRSTOverdraft Fees — Revenue
$681K+0.1%
BOK Financial logo
BOKFOverdraft fee revenue — Fees and commissions revenue from contracts with customers
$5.86M+9.2%
Peapack-Gladstone Financial logo
PGCBanking — Overdraft Fees Revenue
$97K-8.5%
WSFS Financial logo
WSFSReturn and overdraft fees — Revenue from Contract with Customer, Including Assessed Tax
$1.98M+7.8%
BOK Financial logo
BOKFOverdraft fee revenue — Revenue Not from Contract with Customer
$0—

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

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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 overdraft fees — revenue from contracts with customers?
Independent Bank Corporation (IBCP) reported overdraft fees — revenue from contracts with customers of $2.1M in Q1 2026.
How has Independent Bank Corporation's overdraft fees — revenue from contracts with customers changed year-over-year?
Independent Bank Corporation's overdraft fees — revenue from contracts with customers decreased by 0.5% year-over-year, from $2.11M to $2.1M.
What is the long-term trend for Independent Bank Corporation's overdraft fees — revenue from contracts with customers?
Over 4 years (2021 to 2025), Independent Bank Corporation's overdraft fees — revenue from contracts with customers has grown at a 1.5% compound annual growth rate (CAGR), from $8.43M to $8.94M.
What does overdraft fees — revenue from contracts with customers mean?
This metric represents the total fee income generated from providing overdraft services to retail and commercial depository account holders. It reflects the bank's ability to monetize short-term liquidity needs of its customer base through service charges on overdrawn accounts. Monitoring this revenue stream provides insight into consumer banking behavior and the bank's reliance on non-interest income derived from account maintenance and service activities.