Independent Bank Corporation IBCP Ratios & Valuation
| Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Net margin | 30.3%-0.1pp | 30.4%+0.5pp | 29.8%+0.9pp | 29%-0.7pp | 29.6%-0.4pp | |
| Free cash flow margin | 16.6%-14.5pp | 31.1%-2.1pp | 33.2%-0.5pp | 33.7%+10.0pp | 23.7%-1.1pp | |
| Returns | ||||||
| Return on equity | 14.3%0.0pp | 14.3%-0.2pp | 14.5%+0.1pp | 14.4%-0.6pp | 15%-0.5pp | |
| Return on assets | 1.3%0.0pp | 1.3%0.0pp | 1.3%+0.1pp | 1.2%0.0pp | 1.3%0.0pp | |
| Efficiency | ||||||
| Asset turnover | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Leverage | ||||||
| Debt-to-equity | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Debt-to-assets | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Valuation | ||||||
| Market capitalization | $733.37M+16.4% | $673.11M+4.9% | $641.48M-1.8% | $653.33M+1.2% | $645.75M-11.3% | |
| Enterprise value | $565.68M+11.3% | $542.25M+23.4% | $439.51M-14.5% | $514.18M-1.9% | $523.97M-14.7% | |
| Price / earnings | 10.5×+1.0× | 9.8×+0.4× | 9.4×-0.7× | 10.1×+0.4× | 9.7×-1.2× | |
| Price / sales | 3.2×+0.4× | 3×+0.2× | 2.8×-0.1× | 2.9×0.0× | 2.9×-0.4× | |
| Price / book | 1.4×+0.1× | 1.3×0.0× | 1.3×-0.1× | 1.4×0.0× | 1.4×-0.2× | |
| EV / sales | 2.5×+0.2× | 2.4×+0.5× | 1.9×-0.4× | 2.3×0.0× | 2.3×-0.4× | |
| Free cash flow yield | 5.2%-3.2pp | 10.4%-1.4pp | 11.9%+0.3pp | 11.5%+3.3pp | 8.2%+0.6pp | |
| Earnings yield | 9.5%-1.0pp | 10.2%-0.5pp | 10.7%+0.8pp | 9.9%-0.4pp | 10.3%+1.1pp | |
| Dividend yield | 3%-0.3pp | 3.2%-0.1pp | 3.3%+0.1pp | 3.2%0.0pp | 3.2%+0.4pp | |
| PEG ratio | 2×+0.7× | 3.7×+2.8× | 0.9×— | —— | 1.4×+0.6× |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- Where do Independent Bank Corporation's ratios come from?
- Every ratio is computed from Independent Bank Corporation's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.
