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Independent Bank Corporation IBCP Outstanding loan commitments to directors and executive officers

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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 ibcp:LoansAndLeasesReceivableOutstandingLoanCommitmentsRelatedParties.

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 outstanding loan commitments to directors and executive officers?
Independent Bank Corporation (IBCP) reported outstanding loan commitments to directors and executive officers of $100K in Q4 2025.
How has Independent Bank Corporation's outstanding loan commitments to directors and executive officers changed year-over-year?
Independent Bank Corporation's outstanding loan commitments to directors and executive officers increased by 900.0% year-over-year, from $10K to $100K.
What is the long-term trend for Independent Bank Corporation's outstanding loan commitments to directors and executive officers?
Over 5 years (2020 to 2025), Independent Bank Corporation's outstanding loan commitments to directors and executive officers has grown at a 20.1% compound annual growth rate (CAGR), from $40K to $100K.
What does outstanding loan commitments to directors and executive officers mean?
This represents the specific portion of loan commitments to directors and executive officers that remains outstanding and available for drawdown. It provides a granular view of the liquidity risk and potential credit expansion related to insiders. High levels of outstanding commitments may indicate significant future credit exposure to related parties.