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Independent Bank Corp INDB Q3 2025 earnings

Reported October 16, 2025 · After market close

Revenue$243.7MBeat by $1.1M
EPS$1.55Beat by $0.01
Revenue estimate$242.6M
EPS estimate$1.54

Next report

Oct 15, 2026 (in 2 months)
Revenue estimate$263.4M
EPS estimate$1.81

Financials

Q3 2025

Income statement

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Revenue$243.7M+39.1%
Net income$34.3M-20.2%
EPS (diluted)$0.69-31.7%

Balance sheet

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Cash & equivalents$910.8M+115%
Total debt$775.4M+16.9%
Total equity$3.5B+19.1%
Total assets$25.0B+28.8%

Cash flow

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Operating cash flow$52.2M-25.7%
CapEx$2.5M-57.6%
Free cash flow$49.7M-22.8%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$3.45B+37.5%
Enterprise value$3.32B+20.6%
P/E19.2×+6.4×
P/S4.4×+0.8×

Profitability

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Net margin23%-5.5pp
FCF margin25.6%-6.3pp

Returns & leverage

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Return on equity5.5%-1.2pp
Debt / equity0.2×0.0×

Segments

By product

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Investment Advisory, Management and Administrative Service$12.4M+27.9%
Deposit Account$8.8M+30.5%
Credit Card, Merchant Discount$4.0M+22.3%
Investment Advisory, Retail Investment and Insurance Service$1.3M-5.3%
ATM Charge$1.2M-3.0%

FAQ

When did Independent Bank Corp report Q3 2025 earnings?
Independent Bank Corp (INDB) reported Q3 2025 earnings on October 16, 2025 after market close.
What were Independent Bank Corp's Q3 2025 revenue and EPS?
Independent Bank Corp reported revenue of $243.7M and eps of $1.55 for Q3 2025.
Did Independent Bank Corp beat estimates in Q3 2025?
Revenue beat the consensus estimate of $242.6M by $1.1M. EPS beat the consensus estimate of $1.54 by $0.01.
How did Independent Bank Corp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 39.6% from $174.6M a year earlier and eps grew 53.5% from $1.01.
Where can I find Independent Bank Corp's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000776901-25-000302) and the 10-Q periodic report (0000776901-25-000308) directly on SEC EDGAR. The filing index links above go to sec.gov.