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IBCP · Independent Bank Corp /Mi/

Track IBCP — free
$37.07 -0.08 (-0.22%) At close · Sep 11
Market Cap
$822.93M
Shares
22.20M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$37.07 Open$37.49 Day$36.73–37.52 52W close$30.08–38.67 Avg vol 30d171K Short int695K · 3.1% float · 4.0d Short vol33% Last earningsJul 23, 2026 DataJan 2020–Sep 2026 Filing10-Q · Aug 5

Up next

Next earnings call
Oct 22, 2026 Est · unconfirmed · in 6 wks
filed Aug 5, 2026

Metrics snapshot

Useful current figures from the complete screener profile.

Revenue (TTM)
$32.65M
Trailing 12 months
Net income (TTM)
$71.75M
Trailing 12 months
Revenue growth YoY
+4.1%
Year over year
Operating margin
Trailing 12 months
P / E (TTM)
10.8
Trailing earnings · reciprocal yield 9.3%
FCF yield
4.6%
TTM · current market cap
Return on invested capital
Trailing 12 months
Net cash
$165.45M
Latest balance sheet
Dividend yield
3.0%
Trailing 12 months
Shares change YoY
-0.7%
Year over year · fewer shares
Price change (1Y)
+15.2%
Trailing year
Short interest
3.1%
Latest settlement · 4.0 days to cover
View all 115 metrics

Equibles Rating

blended score · not investment advice
Overall
Buy
SellHoldBuy
Technical Buy Momentum Strong Sentiment Neutral Fundamentals Strong Quant / Vol Very Low
Market backdrop VIX 15.8 · calm Equity put/call 0.58
Technical
price trend
Buy
50 / 200-day cross No cross
Price vs 200-day avg +6%
above
Price vs 50-day avg −0%
below
RSI (14) 50
neutral
MACD trend Positive
52-week position 81%
mid-range
Volume (OBV) Confirms
volume backs price
Momentum
relative strength
Strong
1-month return −4%
trailing
6-month return +16%
trailing
YTD return +14%
this year
Relative strength −2%
vs S&P · 6-mo
Sentiment
smart money
Neutral
Trend (MA cross) No cross
50d $37 › 200d $35 — 50d above 200d
Institutional flow Accumulating
+6% holders QoQ · +37 funds added
Insider flow Distributing
Net -$29.6K over 90 days · 100% sells
Short interest Rising
3.13% of float · ▲ +10.4% MoM · 4.0 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
185 holders — near 3-yr high, broad support
Squeeze score 58
elevated · 0–100
Fundamentals
Strong
Revenue growth +0%
Y/Y
EPS growth +3%
Y/Y
Free cash flow $70.2M
Valuation P/E 10.8
below peers
Quant / Vol
risk profile
Very Low
Volatility 24%
annualized · 1-yr
Max drawdown −14%
past year
ATR 1.7%
of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

Latest guidance · from the 8-K filed Jul 23, 2026
quarterly 2026
Non-interest income $11.3M – $12.3M
Non-interest expense $36M – $37M
full year 2026
Non-interest income growth Initiated 3% – 4%
Prior guidance period ended · from the 8-K filed Jul 25, 2024
Non-interest income · 2024 quarterly $11.5M – $13M
Non-interest expense · 2024 quarterly $32.5M – $33.5M
Mortgage loan origination volumes change · 2024 7%
Interchange income change · 2024 1.5% – 2.5%
Effective income tax rate · 2024 20%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Buy
0 · 5 · 2
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
+6% Bullish
Price vs 50-day avg
−0% Neutral
RSI (14)
50 Neutral
MACD trend
Positive Bullish
52-week position
81% Neutral
Volume (OBV)
Confirms Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross) No cross
50d $37 › 200d $35 — 50d above 200d
Institutional flow Accumulating
+6% holders QoQ · +37 funds added
Insider flow Distributing
Net -$29.6K over 90 days · 100% sells
Short interest Rising
3.13% of float · ▲ +10.4% MoM · 4.0 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
185 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $30 Now $37 · 81% Range high $39
vs 200-day avg +6% vs 50-day avg 0%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.

Versus peers

Banks - Regional — same industry group
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
IBCP
Independent Bank Corp /Mi/
this stock
$822.93M +14.0% +0.3% 10.8 3.1%
MFG
Mizuho Financial Group Inc
$138.58B +56.4% 0.1%
HDB
Hdfc Bank Ltd
$119.92B -36.1% -3.2% 0.7%
CIXPF
CaixaBank/ADR
$107.26B +26.7% 0.1%
IBN
Icici Bank Ltd
$105.48B -1.4% 0.6%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Ownership
Institutional Holders Accumulating
Holders
185
% held
81.1%
Net QoQ
+314.6K sh
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
249
View
Short & Settlement
Short Interest Rising
Shares short
695.2K
Days to cover
4.0d
Change
+65.2K sh
View
Short Volume
Short vol %
33%
As of
Sep 11, 2026
Short Total
View
Fails to Deliver
FTD shares
865
Value
$33.4K
As of
Jul 29, 2026
View
Off-Exchange
Off-exchange %
33.7%
Week of
Aug 3, 2026
Off-exch Lit
View
Smart Money
Insider Trades Net selling
Net (90d)
-$29.6K
Buyers / Sellers
0 / 2
Buyers Sellers
View
Financials
Financials
Revenue (FY)
$32.1M
Net income (FY)
$68.5M
EPS diluted
$3.27
View
Buybacks
Authorized
shares 1.1M
View
Filings
SEC Filings
Latest
10-Q
Filed
Aug 5, 2026
This year
14
View
Proposed Sales
Value
$86.9K
Shares
2.5K
Filed
Jun 9, 2026
View
Earnings & Events
Earnings Calls
Last call
Jul 23, 2026
View

Performance

5D 20D 120D MTD YTD
IBCP +0.2% -3.6% +15.9% +1.6% +14.0%
SPY -1.2% -1.8% +17.8% -0.4% +12.1%
vs SPY +1.3% -1.9% -1.9% +2.0% +1.9%

Capital returns

Latest dividend
$0.28 / share · ex Aug 4, 2026
Raised 7.7%
Paid (TTM)
$1.10 / share · 4 payouts
Dividend yield (TTM, derived)
2.97%
Buyback program · as of Dec 16, 2025
Authorized
shares 1.10M
Spent (derived)
Remaining

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 39311 CUSIP 453838609 13F (30d) 61 filings 61 filers Visit website Investor relations