Independent Bank Corporation IBCP Ratios & Valuation
| TTM Q1 '26 | TTM Q4 '25 | TTM Q3 '25 | TTM Q2 '25 | TTM Q1 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Net margin | 30.3%+0.7pp | 30.4%+0.4pp | 29.8%+0.3pp | 29%-1.8pp | 29.6%+0.2pp | |
| Free cash flow margin | 16.6%-7.1pp | 31.1%+6.3pp | 33.2%+5.5pp | 33.7%+2.5pp | 23.7%-8.4pp | |
| Returns | ||||||
| Return on equity | 14.3%-0.8pp | 14.3%-1.2pp | 14.5%-0.5pp | 14.4%-1.9pp | 15%-0.8pp | |
| Return on assets | 1.3%0.0pp | 1.3%0.0pp | 1.3%+0.1pp | 1.2%-0.1pp | 1.3%+0.1pp | |
| 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-7.5% | $641.48M-8.0% | $653.33M+15.8% | $645.75M+21.9% | |
| Enterprise value | $565.68M+11.3% | $542.25M-11.7% | $439.51M-24.5% | $514.18M+44.1% | $523.97M+39.7% | |
| Price / earnings | 10.5×+1.0× | 9.8×-1.1× | 9.4×-1.9× | 10.1×+1.5× | 9.7×+1.2× | |
| Price / sales | 3.2×+0.4× | 3×-0.3× | 2.8×-0.5× | 2.9×+0.3× | 2.9×+0.4× | |
| Price / book | 1.4×+0.1× | 1.3×-0.3× | 1.3×-0.2× | 1.4×+0.1× | 1.4×+0.1× | |
| EV / sales | 2.5×+0.2× | 2.4×-0.4× | 1.9×-0.9× | 2.3×+0.6× | 2.3×+0.6× | |
| Free cash flow yield | 5.2%-3.2pp | 10.4%+2.8pp | 11.9%+3.5pp | 11.5%-0.3pp | 8.2%-4.5pp | |
| Earnings yield | 9.5%-1.0pp | 10.2%+1.0pp | 10.7%+1.8pp | 9.9%-1.8pp | 10.3%-1.4pp | |
| Dividend yield | 3%-0.3pp | 3.2%+0.5pp | 3.3%+0.5pp | 3.2%-0.3pp | 3.2%-0.5pp |
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.
