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Independent Bank Corporation IBCP Interchange income

Interchange income at other companies

Orrstown Financial Services logo
Orrstown Financial ServicesORRF
$1.51M+6.0%
First Financial Corporation logo
First Financial CorporationTHFF
$186K-13.1%
SBC
Seacoast Banking Corporation of FloridaSBCF
$2.07M+14.4%
Shore Bancshares logo
Shore BancsharesSHBI
$1.7M+7.7%
First Commonwealth Financial logo
First Commonwealth FinancialFCF
$3.9M-28.7%
F.N.B. Corporation logo
F.N.B. CorporationFNB
$13M+8.3%

Segments

By segment

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Independent Bank$3.23M+3.4%

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 / equity0×0.0×

Where this comes from

Reported directly by Independent Bank Corporation in its filing.

Tagged under the XBRL concept ibcp:InterchangeIncome.

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 interchange income?
Independent Bank Corporation (IBCP) reported interchange income of $3.23M in Q1 2026.
How has Independent Bank Corporation's interchange income changed year-over-year?
Independent Bank Corporation's interchange income increased by 3.4% year-over-year, from $3.13M to $3.23M.
What is the long-term trend for Independent Bank Corporation's interchange income?
Over 4 years (2021 to 2025), Independent Bank Corporation's interchange income has grown at a -0.3% compound annual growth rate (CAGR), from $14.05M to $13.86M.
What does interchange income mean?
This represents fees earned by the bank when customers use debit or credit cards for transactions at merchants. It is a key component of noninterest income that reflects the bank's retail payment volume and customer engagement levels.