Market Valuation & Earnings Multiples
Market capitalization, P/E ratios, and enterprise value
Market Cap701.67M
Enterprise Value765.88M
Trailing P/E10.23
Forward P/E9.96
IBCP
(NASDAQ)Independent Bank Corporation
$33.61-- (--)
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Independent Bank (IBCP) Key Statistics & Financial Metrics
Complete stock analysis with 40+ metrics: valuation ratios, profitability margins, financial health indicators, and dividend data.
Stock Valuation Metrics
Market value, earnings multiples, and pricing ratios
Price-Based Ratios
Valuation ratios based on stock price
Price/Sales (ttm)2.91
Forward Price/Sales3.52
Price/Book (mrq)1.39
Price/Tangible Book (mrq)1.48
Price/FCF (ttm)9.99
Price/OCF (ttm)9.15
PEG Ratio3.90
Enterprise Value Ratios
EV-based valuation multiples
EV/Revenue3.18
EV/Earnings11.17
EV/EBITDA8.62
EV/FCF10.91
Stock Price
Current price, 52-week range, and moving averages
Current Price$33.61
1-Day Change0.87%
52-Week High$37.39
52-Week Low$26.75
52-Week Change8.88%
YTD Change4.35%
1-Year Change9.06%
50-Day MA$34.72
200-Day MA$32.85
Avg Volume (30 day)138.21K
Share Statistics
Outstanding shares, float, and per-share metrics
Shares Outstanding20.88M
Book Value per Share$24.09
Net Cash per Share$2.50
FCF per Share$3.36
Analyst Price Targets & Consensus
Wall Street analyst ratings and 12-month price targets (90 days)
Price Target$37.50
Target Upside/Downside11.57%
Analyst ConsensusHold
Analyst Count3
Profitability & Financial Performance
Profit margins, return metrics, and earnings analysis
Profit Margins
Profitability margins across income statement
Gross Margin88.81%
EBITDA Margin (ttm)36.82%
Operating Margin (ttm)33.71%
Pretax Margin (ttm)33.71%
Profit Margin (ttm)28.42%
FCF Margin (ttm)29.09%
Return on Investment Metrics
ROE, ROA, ROIC, and capital efficiency ratios
Return on Equity (ttm)13.63%
Return on Assets (ttm)1.24%
Income Statement (TTM)
Trailing twelve months revenue and earnings
Revenue241.18M
Gross Profit214.19M
Operating Income81.29M
Pretax Income81.29M
Net Income68.54M
EBITDA88.81M
Diluted EPS$3.29
Cash Flow (TTM)
Operating cash flow and free cash flow metrics
Operating Cash Flow76.66M
Capital Expenditures6.49M
Free Cash Flow70.17M
Growth Rates (YoY)
Year-over-year growth metrics
Revenue Growth-16.72%
Dividend Growth8.16%
Financial Health & Dividends
Balance sheet analysis, debt ratios, and dividend metrics
Assets & Cash
Total assets and cash positions
Total Assets (mrq)5.51B
Cash & Securities (mrq)52.23M
Net Cash (mrq)52.23M
Net Cash per Share$2.50
Debt & Liabilities
Liabilities, debt, equity, and working capital
Total Debt (mrq)116.87M
Working Capital (mrq)-443.84M
Total Equity (mrq)502.95M
Book Value per Share$24.09
Liquidity & Leverage
Liquidity, leverage, and debt coverage ratios
Current Ratio (mrq)0.55
Quick Ratio (mrq)0.55
Debt/Equity (mrq)0.23
Debt/EBITDA (ttm)1.32
Debt/FCF (ttm)1.67
Dividend History & Payout Analysis
Dividend yield, payout ratios, and growth metrics
Dividend per Share (TTM)$1.06
Dividend Yield3.16%
Payout Ratio (Earnings)32.24%
Payout Ratio (FCF)31.54%
Dividend Growth (YoY)8.16%
Ex-Dividend DateFeb 3, 2026
Pay DateFeb 13, 2026
Dividend FrequencyQuarterly
Yield Metrics
Earnings, FCF, buyback, and shareholder yields
Earnings Yield9.77%
FCF Yield10.01%
Buyback Yield0.00%
Total Shareholder Yield3.16%
Financial Health Scores
Risk assessment and quality metrics
Altman Z-Score0.10
Piotroski F-Score6/9
Dividend Score76.32
Fair Value & Intrinsic Value
Lynch fair value, Graham number, and valuation models
Lynch Fair Value$8.62
Lynch Upside/Downside-74.33%
Graham Number$42.21
Graham Upside/Downside25.68%
Frequently Asked Questions About Independent Bank Statistics
What are the key financial metrics for IBCP?
Independent Bank Corporation (IBCP) statistics include 40+ financial metrics organized into valuation ratios (P/E, P/S, P/B, PEG), profitability margins (gross, operating, net), return metrics (ROE, ROA, ROIC), and financial health indicators. These are updated regularly based on the latest filings and market data.
What is IBCP's valuation analysis?
The valuation section covers market capitalization, earnings multiples like trailing and forward P/E, price-based ratios (P/S, P/B, Price/FCF), and enterprise value ratios (EV/EBITDA, EV/Revenue, EV/FCF). Compare these against sector averages to assess whether Independent Bank is overvalued or undervalued.
How do I read IBCP's profitability ratios?
Independent Bank's profitability is measured through profit margins (gross, EBITDA, operating, net) and return metrics (ROE, ROA, ROIC, ROCE). Higher margins indicate better cost control, while higher returns show efficient capital deployment. The income statement and cash flow sections provide the underlying revenue and earnings data.
What do IBCP's debt ratios indicate?
The financial health section shows Independent Bank's leverage through debt-to-equity, debt-to-assets, debt-to-EBITDA, and debt-to-FCF ratios, plus liquidity via the current and quick ratios. Lower debt ratios and higher liquidity ratios generally indicate stronger financial stability and lower default risk.
What is IBCP's dividend analysis?
The dividend section covers Independent Bank's dividend yield, payout ratios (earnings-based and FCF-based), year-over-year dividend growth, years of consecutive growth, ex-dividend and pay dates, and payment frequency. The yield metrics section also includes earnings yield, FCF yield, buyback yield, and total shareholder yield.