/IBCP
IBCP Stock - Independent Bank Corporation
Financial Services|Banks - RegionalNASDAQ
$34.12-2.76%
$0.97 (-2.76%) • Dec 19
67
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.70
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).62
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.88
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+6.0%upside
Target: $36.17
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ENTRY ZONE$33.78 – $34.46
TARGET (TP)$36.17
STOP LOSS$31.39
RISK/REWARD1:0.8
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta0.80
52W High$37.13
52W Low$26.75
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $316.33M | $283.83M | $224.23M | $207.12M | $214.19M |
| Gross Profit | $211.68M | $193.83M | $198.79M | $199.52M | $185.25M |
| Gross Margin | 66.9% | 68.3% | 88.7% | 96.3% | 86.5% |
| Operating Income | $83.05M | $73.68M | $77.79M | $77.31M | $69.48M |
| Net Income | $66.79M | $59.07M | $63.35M | $62.90M | $56.15M |
| Net Margin | 21.1% | 20.8% | 28.3% | 30.4% | 26.2% |
| EPS | $3.20 | $2.82 | $3.00 | $2.91 | $2.56 |
Company Overview
Independent Bank Corporation operates as the bank holding company for Independent Bank that provides various banking services to individuals and businesses. The company offers checking and savings accounts, commercial lending, direct and indirect consumer financing, mortgage lending, and safe deposit box services, as well as automatic teller machine, and Internet and mobile banking services. It also provides title insurance, insurance brokerage, and investment services. The company offers its services through approximately 59 branches, two drive-thru facilities, and seven loan production offices in Michigan; and two loan production offices in Ohio. Independent Bank Corporation was founded in 1864 and is based in Grand Rapids, Michigan.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
0%
Hold / Neutral
0%
Sell / Underperform
0%
Analyst Consensus🔴 Bearish
0 Bullish0 Neutral/Bearish
Price Targets
$26
Average Target
↓ 23.8% Downside
Now
$26
Low
$26
Average
$26
High
Based on 1 analyst
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| March 4th 2024 | Hovde Group | Resumed | Market Perform | - |
| December 13th 2022 | Keefe Bruyette | Downgrade | Market Perform | $26 |
Earnings History & Surprises
IBCPBeat Rate
72%
Last 18 quarters
Avg Surprise
+10.9%
EPS vs Estimate
Beats / Misses
13/5
Last 12 quarters
Latest EPS
$0.84
Q4 2025
EPS Surprise History
Q1 24
-7.1%
$0.65vs$0.70
Q2 24
+18.8%
$0.76vs$0.64
Q3 24
+25.7%
$0.88vs$0.70
Q4 24
-14.5%
$0.65vs$0.76
Q1 25
+13.0%
$0.87vs$0.77
Q2 25
+5.7%
$0.74vs$0.70
Q3 25
+3.8%
$0.81vs$0.78
Q4 25
+1.2%
$0.84vs$0.83
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 22, 2026 | — | — | — | — |
Q1 2026 | Jan 22, 2026 | $0.83 | — | — | — |
Q4 2025 | Oct 28, 2025 | $0.83 | $0.84 | +1.2% | ✓ BEAT |
Q3 2025 | Jul 24, 2025 | $0.78 | $0.81 | +3.8% | ✓ BEAT |
Q2 2025 | Apr 24, 2025 | $0.70 | $0.74 | +5.7% | ✓ BEAT |
Q1 2025 | Jan 23, 2025 | $0.77 | $0.87 | +13.0% | ✓ BEAT |
Q4 2024 | Oct 24, 2024 | $0.76 | $0.65 | -14.5% | ✗ MISS |
Q3 2024 | Jul 25, 2024 | $0.70 | $0.88 | +25.7% | ✓ BEAT |
Q2 2024 | Apr 25, 2024 | $0.64 | $0.76 | +18.8% | ✓ BEAT |
Q1 2024 | Jan 25, 2024 | $0.70 | $0.65 | -7.1% | ✗ MISS |
Q4 2023 | Oct 24, 2023 | $0.62 | $0.83 | +33.9% | ✓ BEAT |
Q3 2023 | Jul 25, 2023 | $0.59 | $0.70 | +18.6% | ✓ BEAT |
Q2 2023 | Apr 27, 2023 | $0.60 | $0.61 | +1.7% | ✓ BEAT |
Q1 2023 | Jan 26, 2023 | $0.74 | $0.71 | -4.1% | ✗ MISS |
Q4 2022 | Oct 25, 2022 | $0.60 | $0.81 | +35.0% | ✓ BEAT |
Q3 2022 | Jul 26, 2022 | $0.55 | $0.61 | +10.9% | ✓ BEAT |
Q2 2022 | Apr 26, 2022 | $0.51 | $0.84 | +64.7% | ✓ BEAT |
Q1 2022 | Jan 27, 2022 | $0.65 | $0.58 | -10.8% | ✗ MISS |
Q4 2021 | Oct 26, 2021 | $0.63 | $0.73 | +15.9% | ✓ BEAT |
Q3 2021 | Jul 29, 2021 | $0.67 | $0.56 | -16.4% | ✗ MISS |
Frequently Asked Questions about IBCP
What is IBCP's current stock price?
Independent Bank Corporation (IBCP) is currently trading at $34.12 per share. The stock has moved -2.76% today.
What is the analyst price target for IBCP?
The average analyst price target for IBCP is $36.17, based on 1 analyst.
What sector is Independent Bank Corporation in?
Independent Bank Corporation operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NASDAQ exchange.
What is IBCP's market cap?
Independent Bank Corporation has a market capitalization of $0.71 billion, making it a small-cap company.
Does IBCP pay dividends?
No, Independent Bank Corporation does not currently pay a dividend to shareholders.
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