IBCP · Independent Bank Corp /Mi/
Price & Indicators
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AI Brief
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses for loans | $65.7M | 6/30/2026 | — |
| Average interest-earning assets | 5.22B | second quarter of 2026 | — |
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| Net interest margin | 3.71% | second quarter of 2026 | — |
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| Ratio of allowance for credit losses to total portfolio loans | 1.49% | 6/30/2026 | — |
| Allowance for credit losses to total portfolio loans | 1.48% | FY2025 | — |
| Ratio of allowance for credit losses to total non-performing loans | 274.33% | Q4 2025 | — |
| Ratio of non-performing assets to total assets | 0.44% | Q4 2025 | — |
| Ratio of non-performing loans to total portfolio loans | 0.54% | Q4 2025 | — |
| Return on average assets | 1.35% | Q4 2025 | — |
| Return on average equity | 14.75% | Q4 2025 | — |
| Tangible common equity per share | $23.05 | FY2025 | — |
| Tangible common equity ratio | 8.65% | Q4 2025 | — |
| Tier 1 capital to average total assets | 9.36% | Q4 2025 | — |
| Tier 1 capital to risk-weighted assets | 11.24% | Q4 2025 | — |
| Tier 1 common equity to risk-weighted assets | 11.24% | Q4 2025 | — |
| Total capital to risk-weighted assets | 12.49% | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
IBCP
this stock
Independent Bank Corp /Mi/
|
$850.46M | +17.8% | +0.3% | 11.1 | 2.5% |
|
MFG
Mizuho Financial Group Inc
|
$132.42B | +48.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$120.05B | -36.0% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$108.39B | -0.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$102.52B | +23.1% | +7.2% | 14.1 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| IBCP | +0.7% | +5.2% | +7.9% | +0.3% | +17.8% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | +0.3% | +0.8% | -5.9% | -3.6% | +3.9% |
Capital returns
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.