Independent Bank Corporation (IBCP)

NASDAQ • Financial Services

$36.22

+$0 (+0.0%)

Market open

Last close at September 18, 2026 at 20:00 UTC

Open$36.02

Previous Close$36.23

Day Range$35.79 - $36.37

Avg. Volume (3M)170.2K

Market Cap$746.5M

P/E Ratio10.4

52 Week Range

$29.83$39.24

Next EarningsIn 37 daysOct 27, 2026

Metrics Over Time

Where the Money Goes

Q2 2026

Revenueeverything earned$82.6M100%

Gross Profitminus cost of goods$60.5M73%

Operating Incomeminus R&D and overhead$22.7M27%

Net Incomeminus taxes and the rest$18.8M23%

In plain terms: out of every $100 in revenue, Independent Bank Corporation keeps $23 as net profit.

Fundamentals & Financials

Revenue (TTM)

$316M

Net Income (TTM)

$71.7M

EPS (TTM)

$3.48

ROA (TTM)

1.27%

Current Ratio

0.11

Dividend Yield

0.78%

TTM is calculated as the sum of the four most recently completed quarters. This is a standard approach when monthly or real-time data is not available.

Income Statement

Balance Sheet

Financial Highlights

Dividends History

Split History

Earnings

+3.8%Q3 2025$0.81

+1.2%Q4 2025$0.84

+7.2%Q1 2026$0.89

+2.5%Q2 2026$0.81

+6.6%Q3 2026$0.9

Oct 27

in 37 daysQ4 2026

% — EPS deviation from the forecast (beat / miss); quarters without a forecast show the reported EPS

Latest report — Q3 2026

Beat +6.6%

Independent Bank Corporation’s earnings topped consensus as EPS of $0.90 came in above the $0.84 estimate (+7%) for the second fiscal quarter of 2026, which the company reported on July 23, 2026. Revenue was about $82.6 million, with results supported by net interest income of roughly $47.9 million from its community-banking model across deposit and lending products in Michigan and Ohio. Profitability included operating income of about $22.7 million, while net income rose ~11% year over year to roughly $18.8 million (up from $16.9 million a year ago), and EPS increased ~11% from $0.81 a year ago. In cash returns, the company repurchased about $1.4 million of stock and paid roughly $5.8 million in dividends during the quarter. For the next period, consensus calls for EPS of $0.93.

View full earnings history

About Independent Bank Corporation

Independent Bank Corporation operates as a community banking company in Michigan and Ohio, offering deposit, lending, and related financial services to consumers and businesses. The NASDAQ-listed IBCP sits in the banking sector, and it generated $315.4 million of revenue in FY2025.

Name

Independent Bank Corporation

CEO

William Bradford Kessel

Website

www.independentbank.com

Industry

Financial Services

Year Founded

1864

Employees

781

Today's Snapshot

AI-generated

The day ended with IBCP slightly higher at 36.23, in line with a flat sector. Shares changed hands at roughly twice its usual level.

Trading Volume

Above 10d avg 169.7K

360.3K

vs S&P 500 Today

Inline with Market

-0.05%

Updated: September 18, 2026 at 20:18 UTC

Technical Indicators

2 Buy2 Neutral4 Sell

IBCP appears tilted toward a sell stance with short-term averages and momentum showing weakness even though longer-term moving averages sit below the current price. A heavily negative CCI and slightly negative MACD point to waning momentum while RSI remains below neutral, and ADX indicates only a modest trend. Volatility is muted with an ATR under 2% and on-balance volume shows buying, creating a subtle conflict between price action and volume. Classic pivots are near the market and offer little directional guidance. Technical takeaway: Sell — short-term pressure within a mixed longer-term context.

All signals