IBCP · Independent Bank Corp /Mi/
$38.31
-0.15 (-0.39%)
At close · Aug 14
Market Cap
$850.46M
Shares
22.20M
Independent Bank Corp Earnings Call Transcripts
Every quarterly earnings call for Independent Bank Corp (IBCP) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Revenue & result across quarters
Revenue Net income YoY up YoY down artefacts
▲0.7%
$8.52M
$17.30M
'22 Q3
22-10-25
▲3.1%
$7.89M
$15.09M
'22 Q4
23-01-26
▲2.2%
$7.57M
$12.99M
'23 Q1
23-04-27
▲3.1%
$8.07M
$14.79M
'23 Q2
23-07-25
▲6.9%
$9.11M
$17.54M
'23 Q3
23-10-24
▲3.3%
$8.16M
$13.74M
'23 Q4
24-01-25
▲0.1%
$7.58M
$15.99M
'24 Q1
24-04-25
▼2.1%
$7.90M
$18.53M
'24 Q2
24-07-25
▼3%
$8.84M
$13.81M
'24 Q3
24-10-24
▼6%
$7.67M
$18.46M
'24 Q4
25-01-23
▼3.1%
$7.34M
$15.59M
'25 Q1
25-04-24
▼0.2%
$7.88M
$16.88M
'25 Q2
25-07-24
▲1%
$8.92M
$17.50M
'25 Q3
25-10-28
▲3.4%
$7.93M
$18.57M
'25 Q4
26-01-22
▲3.4%
$7.59M
$16.88M
'26 Q1
26-04-23
LATEST
▲4.1%
$8.20M
$18.80M
'26 Q2
26-07-23
Earnings call
FY26 · Q2
2026-07-23
Independent Bank Corp /Mi/ Q2 FY2026 Earnings Call
Confident tone
Loan growth
Net interest margin
Community banking and recognition
Revenue
$8.20M
▲ 4.1% YoY Diluted EPS
$0.90
▲ 11.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q1
2026-04-23
Independent Bank Corp /Mi/ Q1 FY2026 Earnings Call
Positive tone
Net interest margin and earnings growth
Commercial loan growth
HCB Financial merger
Revenue
$7.59M
▲ 3.4% YoY Diluted EPS
$0.81
▲ 9.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2026-01-22
Independent Bank Corp /Mi/ Q4 FY2025 Earnings Call
Confident tone
Banking talent acquisition and M&A
Loan growth and commercial banking expansion
Net interest margin and funding costs
Revenue
$7.93M*
▲ 3.4% YoY Diluted EPS
$0.89
▲ 2.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-10-28
Independent Bank Corp /Mi/ Q3 FY2025 Earnings Call
Confident tone
Net interest income and margin
Outlook and 2026 expectations
Credit quality
Revenue
$8.92M
▲ 1% YoY Diluted EPS
$0.84
▲ 29.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-07-24
Independent Bank Corp /Mi/ Q2 FY2025 Earnings Call
Confident tone
Capital management and M&A
Net interest income and margin expansion
Mortgage banking performance
Revenue
$7.88M
▼ 0.2% YoY Diluted EPS
$0.81
▼ 8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-04-24
Independent Bank Corp /Mi/ Q1 FY2025 Earnings Call
Positive tone
Net Interest Margin
Commercial Banking and Hiring
Loan Growth
Revenue
$7.34M
▼ 3.1% YoY Diluted EPS
$0.74
▼ 2.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-01-23
Independent Bank Corp /Mi/ Q4 FY2024 Earnings Call
Confident tone
2025 outlook
Net interest margin and interest rate risk
Loan growth and commercial pipeline
Revenue
$7.67M*
▼ 6% YoY Diluted EPS
$0.87
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-10-24
Independent Bank Corp /Mi/ Q3 FY2024 Earnings Call
Confident tone
Organic loan and deposit growth
Net interest margin and rate environment
Commercial loan portfolio composition
Revenue
$8.84M
▼ 3% YoY Diluted EPS
$0.65
▼ 21.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-07-25
Independent Bank Corp /Mi/ Q2 FY2024 Earnings Call
Confident tone
Expense management
Loan portfolio growth
Capital and Visa gains
Revenue
$7.90M
▼ 2.1% YoY Diluted EPS
$0.88
▲ 25.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-04-25
Independent Bank Corp /Mi/ Q1 FY2024 Earnings Call
Confident tone
Loan Growth and Commercial Lending
Net Interest Margin and Rate Outlook
Deposit Growth and Cost of Funds
Revenue
$7.58M
▲ 0.1% YoY Diluted EPS
$0.76
▲ 24.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-01-25
Independent Bank Corp /Mi/ Q4 FY2023 Earnings Call
Confident tone
Net interest margin and interest rate risk
Commercial loan growth
Deposit growth and mix
Revenue
$8.16M*
▲ 3.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-10-24
Independent Bank Corp /Mi/ Q3 FY2023 Earnings Call
Revenue
$9.11M
▲ 6.9% YoY Diluted EPS
$0.83
▲ 2.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-07-25
Independent Bank Corp /Mi/ Q2 FY2023 Earnings Call
Revenue
$8.07M
▲ 3.1% YoY Diluted EPS
$0.70
▲ 14.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-04-27
Independent Bank Corp /Mi/ Q1 FY2023 Earnings Call
Revenue
$7.57M
▲ 2.2% YoY Diluted EPS
$0.61
▼ 27.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-01-26
Independent Bank Corp /Mi/ Q4 FY2022 Earnings Call
Revenue
$7.89M*
▲ 3.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-10-25
Independent Bank Corp /Mi/ Q3 FY2022 Earnings Call
Revenue
$8.52M
▲ 0.7% YoY Diluted EPS
$0.81
▲ 11% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-07-26
Independent Bank Corp /Mi/ Q2 FY2022 Earnings Call
Revenue
$7.83M
▲ 14% YoY Diluted EPS
$0.61
▲ 8.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-04-26
Independent Bank Corp /Mi/ Q1 FY2022 Earnings Call
Revenue
$7.40M
▲ 21.1% YoY Diluted EPS
$0.84
▼ 16% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2022-01-27
Independent Bank Corp /Mi/ Q4 FY2021 Earnings Call
Revenue
$7.66M*
▲ 25.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-10-26
Independent Bank Corp /Mi/ Q3 FY2021 Earnings Call
Revenue
$8.46M
▲ 27.4% YoY Diluted EPS
$0.73
▼ 18% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-07-29
Independent Bank Corp /Mi/ Q2 FY2021 Earnings Call
Revenue
$6.87M
▲ 34.8% YoY Diluted EPS
$0.56
▼ 16.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2021-04-27
Independent Bank Corp /Mi/ Q1 FY2021 Earnings Call
Revenue
$6.11M
▼ 1.4% YoY Diluted EPS
$1.00
▲ 376.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q4
2021-01-28
Independent Bank Corp /Mi/ Q4 FY2020 Earnings Call
Revenue
$6.09M*
▼ 7.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY20 · Q3
2020-10-27
Independent Bank Corp /Mi/ Q3 FY2020 Earnings Call
Revenue
$6.64M
▼ 2.8% YoY Diluted EPS
$0.89
▲ 61.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q2
2020-07-28
Independent Bank Corp /Mi/ Q2 FY2020 Earnings Call
Revenue
$5.09M
▼ 21.8% YoY Diluted EPS
$0.67
▲ 45.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q1
2020-04-30
Independent Bank Corp /Mi/ Q1 FY2020 Earnings Call
Revenue
$6.19M
▲ 3.2% YoY Diluted EPS
$0.21
▼ 46.2% YoY
Rev · 7q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY19 · Q4
2020-01-23
Independent Bank Corp /Mi/ Q4 FY2019 Earnings Call
Revenue
$6.61M*
▼ 7.3% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-K
Showing 1–27 of 27 earnings calls
Key facts
CIK
39311
CUSIP
453838609
13F (30d)
191 filings
170 filers
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