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Independent Bank Corporation IBCP Financing Receivable, Unamortized Loan Cost (Fee) and Purchase Premium (Discount)

Financing Receivable, Unamortized Loan Cost (Fee) and Purchase Premium (Discount) at other companies

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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
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:FinancingReceivableUnamortizedLoanCommitmentOriginationFeeAndPremiumDiscount.

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

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Questions, answered.

What is Independent Bank Corporation's financing receivable, unamortized loan cost (fee) and purchase premium (discount)?
Independent Bank Corporation (IBCP) reported financing receivable, unamortized loan cost (fee) and purchase premium (discount) of $22.7M in Q4 2025.
How has Independent Bank Corporation's financing receivable, unamortized loan cost (fee) and purchase premium (discount) changed year-over-year?
Independent Bank Corporation's financing receivable, unamortized loan cost (fee) and purchase premium (discount) decreased by 7.0% year-over-year, from $24.4M to $22.7M.
What is the long-term trend for Independent Bank Corporation's financing receivable, unamortized loan cost (fee) and purchase premium (discount)?
Over 4 years (2021 to 2025), Independent Bank Corporation's financing receivable, unamortized loan cost (fee) and purchase premium (discount) has grown at a 0.3% compound annual growth rate (CAGR), from $22.4M to $22.7M.
What does financing receivable, unamortized loan cost (fee) and purchase premium (discount) mean?
The net balance of unamortized loan origination fees, costs, and purchase premiums or discounts associated with the loan portfolio. This figure represents the adjustment to the par value of loans that will be recognized as interest income over the life of the loans. It is essential for understanding the true yield and effective interest income of the lending business.