Price
No data yet.
Social Signal Score
Revenue
$82.63M+54.12%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- William Bradford Kessel
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 781
- Beta
- 0.70
- Country
- US
- Piotroski score
- 7 / 9 (Strong)
- Altman Z-score
- -0.67
Financials
Revenue
$82.63M+54.1%Net Income
$18.80M+17.8%EBITDA
$25.10M+10.9%Free Cash Flow
$25.58MEPS (diluted)
$0.90+23.3%Shares Outstanding (diluted)
20.81M-4.2%Operating Expenses
$32.18MCash & Debt
$558.04MReturn of Capital
$7.16MRevenue by Segment (annual)
$43.19MDividend per Share
$0.28Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $315.38M | $68.54M | $3.30 |
| 2024 | $316.33M | $66.79M | $3.20 |
| 2023 | $283.83M | $59.07M | $2.82 |
| 2022 | $224.23M | $63.35M | $3.00 |
| 2021 | $207.12M | $62.90M | $2.91 |
| 2020 | $214.19M | $56.15M | $2.56 |
| 2019 | $190.76M | $46.44M | $2.03 |
| 2018 | $170.88M | $39.84M | $1.70 |
| 2017 | $138.06M | $20.48M | $0.96 |
| 2016 | $124.16M | $22.77M | $1.06 |
| 2015 | $114.43M | $20.02M | $0.88 |
| 2014 | $111.70M | $18.02M | $0.79 |
| 2013 | $120.92M | $77.51M | $5.87 |
| 2012 | $140.85M | $26.20M | $2.51 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from IBCP's reported EPS growth of 2.1% a year over 13 years.
- EPS in 5 years
- $3.68
- Implied price
- $36.79
- Return from $37.10
- -0.2% a year
To earn 15.0% a year on these assumptions you'd need to buy at $18.29 — -50.7% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 6 | 8 | 10 | 12 | 14 |
|---|---|---|---|---|---|
| -7.9% | -18.7% | -13.9% | -9.9% | -6.6% | -3.7% |
| -2.9% | -14.3% | -9.2% | -5.1% | -1.5% | 1.5% |
| 2.1% | -9.9% | -4.5% | -0.2% | 3.5% | 6.8% |
| 7.1% | -5.5% | 0.1% | 4.7% | 8.6% | 12.0% |
| 12.1% | -1.0% | 4.8% | 9.6% | 13.7% | 17.2% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
120Social Signal Score
Mentions (1)
- Newszacks.com·5h ago·Positive
Independent Bank (IBCP) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Independent Bank (IBCP) have what it takes?
View source ↗
Earnings
Tue, Oct 27(in 2 months)
Consensus estimate $0.93 per share
Typical surprise +5.7% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Jul 23$0.90 vs $0.84beat
- Thu, Apr 23$0.81 vs $0.79beat
- Thu, Jan 22$0.89 vs $0.83beat
- Tue, Oct 28$0.84 vs $0.83beat
- Thu, Jul 24$0.81 vs $0.78beat
- Thu, Apr 24$0.74 vs $0.70beat
Estimates and results for IBCP via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by IBCP officers and directors.
- Bought
- $58k
- Sold
- $274k
3 trades
9 trades
- Twarozynski James Jsold
- Ervin Patrick Jsold
- Ervin Patrick Jsold
- Ervin Patrick Jsold
- Ervin Patrick Jsold
- Ervin Patrick Jsold
- Kimball Stefanie Msold
- Kruse Ronia Fbought
88 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.