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INDB · Independent Bank Corp

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$85.94 +0.44 (+0.51%) At close · Aug 14
Market Cap
$4.07B
Shares
47.37M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$85.94 Open$85.43 Day$85.43–86.22 52W close$64.39–87.17 Avg vol 30d367K Short int1.9M · 4.0% float · 4.1d Short vol70% Last earningsJul 17, 2026 DataJan 2020–Aug 2026 Filing10-Q · Aug 6

Up next

Next earnings call
Oct 16, 2026 Est · unconfirmed · in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed Aug 6, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      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 advice
      Overall
      Buy
      SellHoldBuy
      Technical Buy Momentum Strong Sentiment Bullish Fundamentals Weak Quant / Vol Very Low
      Market backdrop VIX 14.3 · calm Equity put/call 0.52
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +10%
      above
      Price vs 50-day avg +3%
      above
      RSI (14) 58
      neutral
      MACD trend Negative
      52-week position 95%
      near high
      Momentum
      relative strength
      Strong
      1-month return +2%
      trailing
      6-month return +7%
      trailing
      YTD return +18%
      this year
      Relative strength −6%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bullish
      Trend (MA cross) No cross
      50d $84 › 200d $78 — 50d above 200d
      Institutional flow Accumulating
      +4% holders QoQ · +53 funds added
      Insider flow Distributing
      Net -$668.4K over 90 days · 100% sells
      Short interest Falling
      3.98% of float · ▼ -3.9% MoM · 4.1 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      345 holders — near 3-yr high, broad support
      Squeeze score 55
      elevated · 0–100
      Fundamentals
      Weak
      EPS growth −2%
      Y/Y
      Free cash flow $239.0M
      Valuation P/E 15.5
      rich
      Buyback $151.0M
      remaining
      Balance sheet $64.1M
      net debt
      Quant / Vol
      risk profile
      Very Low
      Volatility 25%
      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 Jan 22, 2026
      Core operating expenses · 2026 $550M – $555M
      Tax Rate · 2026 23.5% – 24%
      Prior guidance period ended · from the Earnings Call filed Mar 31, 2024
      Net interest margin · second quarter 3.2% – 3.25%
      Tax rate · remainder of the year 23%

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

      Technicals

      trend & momentum for long-term holders Buy
      1 · 2 · 3
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +10% Bullish
      Price vs 50-day avg
      +3% Bullish
      RSI (14)
      58 Neutral
      MACD trend
      Negative Bearish
      52-week position
      95% Bullish
      Market signals — smart money & positioning
      Bullish · 3 of 6
      Trend (MA cross) No cross
      50d $84 › 200d $78 — 50d above 200d
      Institutional flow Accumulating
      +4% holders QoQ · +53 funds added
      Insider flow Distributing
      Net -$668.4K over 90 days · 100% sells
      Short interest Falling
      3.98% of float · ▼ -3.9% MoM · 4.1 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      345 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $64 Now $86 · 95% Range high $87
      vs 200-day avg +10% vs 50-day avg +3%

      Illustrative 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
      Average price per share for repurchases $77.79 Q2 2026
      Book value per share $73.76 Q2 2026
      Delinquencies as a percentage of total loans 0.43% Q2 2026
      Net interest margin 3.85% Q2 2026
      Nonperforming loans as a percentage of total loans 0.56% Q2 2026
      Ratio of common equity to assets 14.06% Q2 2026
      Return on average assets 1.34% Q2 2026
      Return on average common equity 9.24% Q2 2026
      Wealth management assets under administration 9.5B Q2 2026
      Operating net income non-GAAP $82.1M first quarter of 2026
      Operating return on average assets non-GAAP 1.35% first quarter of 2026
      Operating return on average common equity non-GAAP 9.27% first quarter of 2026

      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
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      INDB
      Independent Bank Corp
      this stock
      $4.07B +17.6% 15.5 4.0%
      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 section
      Ownership
      Institutional Holders Reducing
      Holders
      345
      % held
      85.1%
      Net QoQ
      -882.7K sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      326
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      1.9M
      Days to cover
      4.1d
      Change
      -77.2K sh
      View
      Short Volume
      Short vol %
      70%
      As of
      Aug 14, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      6
      Value
      $501
      As of
      Jul 14, 2026
      View
      Off-Exchange
      Off-exchange %
      40.6%
      Week of
      Jul 6, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$668.4K
      Buyers / Sellers
      0 / 2
      Buyers Sellers
      View
      Congressional Trades Buy
      Member
      Gilbert Cisneros
      Amount
      $1.0K–$15.0K
      Traded
      May 29, 2026
      View
      Financials
      Financials
      Net income (FY)
      $205.1M
      EPS diluted
      $4.44
      View
      Buybacks
      Authorized
      $200.0M
      Remaining
      $151.0M
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Aug 6, 2026
      This year
      18
      View
      Proposed Sales
      Value
      $169.4K
      Shares
      2.0K
      Filed
      Feb 5, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 17, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      INDB +2.6% +1.7% +7.4% +2.5% +17.6%
      SPY +0.4% +4.5% +13.8% +3.9% +13.9%
      vs SPY +2.2% -2.8% -6.3% -1.4% +3.8%

      Capital returns

      Latest dividend
      $0.64 / share · ex Jun 29, 2026
      Raised 8.5%
      Paid (TTM)
      $2.46 / share · 4 payouts
      Dividend yield (TTM, derived)
      2.86%
      Buyback program · as of Jun 30, 2026
      Authorized
      $200.00M
      Spent (derived)
      $49.00M
      Remaining
      $151.00M
      Spent 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 776901 CUSIP 453836108 13F (30d) 313 filings 312 filers Visit website