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Independent Bank Corporation IBCP Increase (Decrease) in Loans, Deferred Income

Increase (Decrease) in Loans, Deferred Income at other companies

Banc of California logo
Banc of CaliforniaBANC
$16.48M-22.2%
Independent Bank Corporation logo
Independent Bank CorporationIBCP
-$470K+42.3%
Green Dot logo
Green DotGDOT
-$62K+75.9%
Paycom Software logo
Paycom SoftwarePAYC
$20.1M-36.0%
Empire State Realty Trust logo
Empire State Realty TrustESRT
$8.57M+9.7%
NTS
Netskope, Inc. Class A Common StockNTSK
$16.72M+23.9%

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$733.17M+16.4%
Enterprise value$565.47M+11.3%
P/E10.5×+1.0×
P/S3.2×+0.4×

Profitability

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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×

Where this comes from

Reported directly by Independent Bank Corporation in its filing.

Tagged under the XBRL concept us-gaap:IncreaseDecreaseInLoansDeferredIncome.

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 increase (decrease) in loans, deferred income?
Independent Bank Corporation (IBCP) reported increase (decrease) in loans, deferred income of -$470K in Q1 2026.
How has Independent Bank Corporation's increase (decrease) in loans, deferred income changed year-over-year?
Independent Bank Corporation's increase (decrease) in loans, deferred income increased by 42.3% year-over-year, from -$814K to -$470K.
What is the long-term trend for Independent Bank Corporation's increase (decrease) in loans, deferred income?
Over 2 years (2021 to 2024), Independent Bank Corporation's increase (decrease) in loans, deferred income has grown at a -65.0% compound annual growth rate (CAGR), from $7.86M to -$961K.
What does increase (decrease) in loans, deferred income mean?
This represents the change in deferred loan fees and costs that are amortized over the life of the loan as an adjustment to interest income. It reflects the timing difference between the cash collection of origination fees and their recognition as revenue under accounting standards. Monitoring this helps investors understand the non-cash components impacting the bank's reported net interest income.