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Independent Bank Corp INDB Q4 2025 Annual earnings

Reported January 22, 2026 · After market close

Revenue$253.9MBeat by $4.3M
EPS$1.70Beat by $0.05
Revenue estimate$249.6M
EPS estimate$1.65

Next report

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

Financials

Q4 2025

Income statement

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Revenue$253.9M+43.6%
Net income$75.3M+50.6%
EPS (diluted)$1.56+32.2%

Balance sheet

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Cash & equivalents$771.9M+251%
Total debt$901.3M+18.9%
Total equity$3.6B+19.1%
Total assets$24.9B+28.6%

Cash flow

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Operating cash flow$78.9M+84.0%
CapEx$3.4M-46.7%
Free cash flow$75.5M+107%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$3.62B+32.8%
Enterprise value$3.75B+14.9%
P/E17.7×+3.5×
P/S4.2×+0.3×

Profitability

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Net margin23.9%-3.9pp
FCF margin27.9%-2.5pp

Returns & leverage

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Return on equity6.3%-0.3pp
Debt / equity0.3×0.0×

Segments

By product

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Investment Advisory, Management and Administrative Service$12.3M+23.6%
Deposit Account$9.1M+27.9%
Credit Card, Merchant Discount$3.6M+9.1%
Investment Advisory, Retail Investment and Insurance Service$1.5M+78.0%
ATM Charge$1.2M+6.3%

FAQ

When did Independent Bank Corp report Q4 2025 earnings?
Independent Bank Corp (INDB) reported Q4 2025 earnings on January 22, 2026 after market close.
What were Independent Bank Corp's Q4 2025 revenue and EPS?
Independent Bank Corp reported revenue of $253.9M and eps of $1.70 for Q4 2025.
Did Independent Bank Corp beat estimates in Q4 2025?
Revenue beat the consensus estimate of $249.6M by $4.3M. EPS beat the consensus estimate of $1.65 by $0.05.
How did Independent Bank Corp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 3.0% from $246.6M a year earlier and eps grew 44.1% from $1.18.
Where can I find Independent Bank Corp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000776901-26-000004) and the 10-K periodic report (0000776901-26-000058) directly on SEC EDGAR. The filing index links above go to sec.gov.