INDB
Independent Bank Corp
$83.71
+0.50 (+0.60%)
At close · Jul 10
Market Cap
$4.05B
Shares
48,327,110
Price & Indicators
Indicators
Price
Panels
Event markers
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$83.71
Open$83.22
Day$83.15–84.29
52W$60.04–86.24
Avg vol 30d394K
Short int2.0M · 4.2% float · 3.7d
Short vol79%
Last earningsApr 16, 2026
DataJan 2020–Jul 2026
Filing10-Q · May 6
Up next
Next earnings call
Jul 16, 2026
Est · unconfirmed
· in 1 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed May 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment advice
Overall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Weak
Quant / Vol
Very Low
Market backdrop
VIX 15 · calm
Equity put/call 0.55
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+10%
above
Price vs 50-day avg
+4%
above
RSI (14)
56
neutral
MACD trend
Negative
52-week position
90%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+3%
trailing
6-month return
+10%
trailing
YTD return
+16%
this year
Relative strength
+1%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $80 › 200d $76 — 50d above 200d
Institutional flow
Distributing
21 of 331 funds reported for Jun 30 · net -28.5K sh shares · +2 new
Insider flow
Distributing
Net -$219.0K over 90 days · 100% sells
Short interest
Falling
4.23% of float · ▼ -3.2% MoM · 3.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
331 holders — near 3-yr high, broad support
Squeeze score
55
elevated · 0–100
Fundamentals
EPS growth
−2%
Y/Y
Free cash flow
$239.0M
Valuation
P/E 16.6
rich
Balance sheet
$74.9M
net debt
Quant / Vol
risk profile
Volatility
26%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
1.9%
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.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+10%
Bullish
Price vs 50-day avg
+4%
Bullish
RSI (14)
56
Neutral
MACD trend
Negative
Bearish
52-week position
90%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $80 › 200d $76 — 50d above 200d
Institutional flow
Distributing
21 of 331 funds reported for Jun 30 · net -28.5K sh shares · +2 new
Insider flow
Distributing
Net -$219.0K over 90 days · 100% sells
Short interest
Falling
4.23% of float · ▼ -3.2% MoM · 3.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
331 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $60
Now $84 · 90%
52-wk high $86
vs 200-day avg +10%
vs 50-day avg +4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Average price per share for repurchases | $78.85 | first quarter of 2026 | — |
| Core deposits as percentage of total deposits | 83.8% | first quarter of 2026 | — |
| Operating return on average assets non-GAAP | 1.35% | first quarter of 2026 | — |
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| Operating return on average common equity non-GAAP | 9.27% | first quarter of 2026 | — |
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| Return on average assets | 1.31% | first quarter of 2026 | — |
| Return on average common equity | 9.02% | first quarter of 2026 | — |
| Shares repurchased | 802,000 | first quarter of 2026 | — |
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| Total assets under administration | 9.2B | first quarter of 2026 | — |
| Total cost of deposits | 1.36% | first quarter of 2026 | — |
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| adjusted diluted EPS non-GAAP | $1.68 | first quarter call | — |
| adjusted operating net income non-GAAP | $82.1M | first quarter call | — |
| approved commercial loan pipeline | $313M | Q1 2026 call | — |
| assets under administration | 9.2B | Q1 2026 call | — |
| capital returned to shareholders | $94M | first quarter call | — |
| CET1 capital ratio | 12.87% | Q1 2026 call | — |
| core margin change non-GAAP | 8 | first quarter call | — |
| cost of total deposits | 1.36% | first quarter call | — |
| CRE commitments added | $290M | first quarter call | — |
| CRE concentration | 283% | Q1 2026 call | — |
| criticized and classified loans ratio | 4% | first quarter call | — |
| net charge-offs | 11 | first quarter call | — |
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| net charge-offs ratio | 11 | first quarter call | — |
| nonperforming assets | $98.7M | first quarter call | — |
| nonperforming assets ratio | 0.52% | first quarter call | — |
| provision for loan loss | $5.5M | first quarter call | — |
| quarterly dividend per share | $0.64 | quarterly call | — |
| relationship-based CRE loans funded | $179M | first quarter call | — |
| reported net interest margin | 3.9% | first quarter call | — |
| tangible book value | $47.86 | Q1 2026 call | — |
| core deposits as a percentage of total deposits | 83.7% | Q4 2025 | — |
| delinquencies as a percentage of total loans | 0.32% | Q4 2025 | — |
| net charge-offs as a percentage of average loans annualized | 0.12% | Q4 2025 | — |
| noninterest bearing demand deposits as a percentage of total deposits | 27.8% | Q4 2025 | — |
| nonperforming loans | $83.6M | Q4 2025 | — |
| nonperforming loans as a percentage of total loans | 0.45% | Q4 2025 | — |
| operating net income non-GAAP | $84.4M | Q4 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
INDB
this stock
Independent Bank Corp
|
$4.05B | +15.5% | — | 16.6 | 4.2% |
|
HDB
Hdfc Bank Ltd
|
$136.10B | -27.4% | +15.2% | — | 0.4% |
|
MFG
Mizuho Financial Group Inc
|
$127.67B | +43.2% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$104.01B | -2.7% | — | — | 0.7% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.16B | +21.6% | +7.2% | 14.6 | 1.9% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| INDB | -0.6% | +2.9% | +10.2% | 0.0% | +15.6% |
| SPY | +1.4% | +4.1% | +9.1% | +1.1% | +10.7% |
| vs SPY | -1.9% | -1.1% | +1.2% | -1.1% | +4.8% |
Capital returns
Latest dividend
$0.64
/ share · ex Jun 29, 2026
Paid (TTM)
$2.46
/ share · 4 payouts
Dividend yield (TTM, derived)
2.94%
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.