---
title: "Independent Bank Corporation (IBCP.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/IBCP.US.md"
symbol: "IBCP.US"
name: "Independent Bank Corporation"
industry: "Regional Banks"
datetime: "2026-05-21T13:47:56.040Z"
locales:
  - [en](https://longbridge.com/en/quote/IBCP.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/IBCP.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/IBCP.US.md)
---

# Independent Bank Corporation (IBCP.US)

## Company Overview

Independent Bank Corporation operates as the bank holding company for Independent Bank that provides banking services in the United States. The company offers demand deposits, interest checking, money market accounts, savings accounts, and time certificates of deposit, including free checking accounts. It also provides consumer loans that consists of real estate loans comprising residential mortgages and home equity loans and lines, all secured by one-to-four family residential properties, as well as other consumer loans; and investment and financial services. In addition, the company offers cash management; investment management and trust services; additional services, such as estate settlement, financial planning, tax services, and other special services; sale of mutual fund shares, unit investment trust shares, third party model portfolios, general securities, and fixed and variable annuities, as well as life insurance products; debit and credit card; safe deposit box services; automatic teller machines; and internet and mobile banking services.

| Item | Detail |
|------|--------|
| Industry | Regional Banks |
| Exchange | US Market |
| Website | [www.independentbank.com](https://www.independentbank.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-21T04:30:18.000Z

**Overall: C (0.47)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 207 / 329 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 2.35% |  |
| Net Profit YoY | 5.18% |  |
| P/B Ratio | 1.36 |  |
| Dividend Ratio | 3.21% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 692302774.47 |  |
| Revenue | 224677000.00 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 14.28% | B |
| Profit Margin | 31.08% | A |
| Gross Margin | 0.00% | E |
| Revenue YoY | 2.35% | C |
| Net Profit YoY | 5.18% | C |
| Total Assets YoY | 4.30% | C |
| Net Assets YoY | 9.26% | B |
| Cash Flow Margin | 69.10% | C |
| OCF YoY | 2.35% | C |
| Turnover | 0.00 | E |
| Gearing Ratio | 0.00% | A |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Independent Bank Corporation",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "2.35%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "5.18%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "1.36",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "3.21%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "692302774.47",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "224677000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "14.28%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "31.08%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        },
        {
          "name": "Revenue YoY",
          "value": "2.35%",
          "rating": "C"
        },
        {
          "name": "Net Profit YoY",
          "value": "5.18%",
          "rating": "C"
        },
        {
          "name": "Total Assets YoY",
          "value": "4.30%",
          "rating": "C"
        },
        {
          "name": "Net Assets YoY",
          "value": "9.26%",
          "rating": "B"
        },
        {
          "name": "Cash Flow Margin",
          "value": "69.10%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "2.35%",
          "rating": "C"
        },
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 9.91 | 45/329 | 10.52 | 10.06 | 9.80 |
| PB | 1.36 | 222/329 | 1.45 | 1.39 | 1.35 |
| PS (TTM) | 3.08 | 83/329 | 3.22 | 3.07 | 2.97 |
| Dividend Yield | 3.21% | 78/329 | 3.26% | 3.17% | 3.02% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Truist Financial (TFC.US) | C | B | E | A | B | B |
| 02 | Huntington Bancshares (HBAN.US) | C | B | E | A | B | B |
| 03 | East West Bancorp (EWBC.US) | B | B | E | A | B | B |
| 04 | Pinnacle Financial (PNFP.US) | C | A | E | A | A | B |
| 05 | Wintrust Financial (WTFC.US) | B | B | E | A | B | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-04-27T04:00:00.000Z

Total Analysts: **5**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Hold | 5 | 100% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 33.49 |
| Highest Target | 37.00 |
| Lowest Target | 36.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/IBCP.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/IBCP.US/norm.md)
- [Related News](https://longbridge.com/en/quote/IBCP.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/IBCP.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**