Skip to main content
IBCP logo

IBCP · Independent Bank Corp /Mi/

Track IBCP — free
$36.37 +0.80 (+2.25%) At close · Oct 2
Market Cap
$795.40M
Shares
22.20M
Volume · Oct 2 232.93K Avg daily vol (3M) 194.62K

Price & Indicators

Drag to pan · scroll to zoom
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$35.57 Open$35.21 Day$34.70–35.64 52W close$30.08–38.67 Avg vol 30d184K Short int757K · 3.4% float · 5.0d Short vol48% Last earningsJul 23, 2026 DataJan 2020–Oct 2026 Filing10-Q · Aug 5

Up next

Next earnings call
Oct 22, 2026 Est · unconfirmed · in 3 wks
filed Aug 5, 2026
call held Jul 23, 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)
10.3
Trailing earnings · reciprocal yield 9.7%
FCF yield
4.8%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
$165.45M
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-0.7%
Year over year · fewer shares
Price change (1Y)
+16.2%
Trailing year
Short interest
3.4%
Latest settlement · 5.0 days to cover
View all 115 metrics

Equibles Rating

blended score · not investment advice
Overall
Buy
SellHoldBuy
Technical Neutral Momentum Neutral Sentiment Neutral Fundamentals Strong Quant / Vol Very Low
Market backdrop VIX 15.3 · calm Equity put/call 0.57
Technical
price trend
Neutral
50 / 200-day cross No cross
Price vs 200-day avg +1%
above
Price vs 50-day avg −4%
below
RSI (14) 40
neutral
MACD trend Negative
52-week position 64%
mid-range
Momentum
relative strength
Neutral
1-month return −3%
trailing
6-month return +3%
trailing
YTD return +9%
this year
Relative strength −10%
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 -$104.1K over 90 days · 100% sells
Short interest Rising
3.41% of float · ▲ +8.9% MoM · 5.0 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
185 holders — near 3-yr high, broad support
Squeeze score 52
elevated · 0–100
Fundamentals
Strong
Revenue growth +0%
Y/Y
EPS growth +3%
Y/Y
Free cash flow $70.2M
Valuation P/E 10.4
below peers
Quant / Vol
risk profile
Very Low
Volatility 23%
annualized · 1-yr
Max drawdown −14%
past year
ATR 1.8%
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%

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

Technicals

trend & momentum for long-term holders Neutral
1 · 4 · 1
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
+1% Bullish
Price vs 50-day avg
−4% Neutral
RSI (14)
40 Neutral
MACD trend
Negative Bearish
52-week position
64% 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 -$104.1K over 90 days · 100% sells
Short interest Rising
3.41% of float · ▲ +8.9% MoM · 5.0 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 $36 · 64% Range high $39
vs 200-day avg +1% vs 50-day avg -4%

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
$795.40M +9.3% +0.3% 10.4 3.4%
MFG
Mizuho Financial Group Inc
$133.98B +47.0% — — 0.1%
HDB
Hdfc Bank Ltd
$118.26B -37.2% -3.2% — 0.7%
CIXPF
CaixaBank/ADR
$103.83B +26.7% — — 0.1%
IBN
Icici Bank Ltd
$100.21B -7.7% — — 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
Holders
185
% held
81.1%
Reported
0 of 185
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
247
View
Short & Settlement
Short Interest Rising
Shares short
757.2K
Days to cover
5.0d
Change
+62.0K sh
View
Short Volume
Short vol %
48%
As of
Oct 2, 2026
Short Total
View
Fails to Deliver
FTD shares
133
Value
$4.9K
As of
Aug 20, 2026
View
Off-Exchange
Off-exchange %
30.6%
Week of
Aug 24, 2026
Off-exch Lit
View
Smart Money
Insider Trades Net selling
Net (90d)
-$104.1K
Buyers / Sellers
0 / 3
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
$74.6K
Shares
2.0K
Filed
Sep 15, 2026
View
Earnings & Events
Webcasts
Last webcast
Jul 23, 2026
View

Performance

5D 20D 120D MTD YTD
IBCP -0.1% -3.2% +2.6% +0.9% +9.4%
SPY -0.4% -0.2% +12.4% +0.2% +12.0%
vs SPY +0.3% -3.1% -9.8% +0.8% -2.7%

Capital returns

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) 5 filings 5 filers Visit website Investor relations