Independent Bank Corporation
IBCPFinancial ServicesNASDAQBanks - Regional
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Daily timeframeIndependent Bank Corporation operates as the bank holding company for Independent Bank that provides banking services in the United States. Valued at $820.9M, IBCP is a small-cap name in its sector. The company offers demand deposits, interest checking, money market accounts, savings accounts, and time certificates of deposit, including free checking accounts.
Market Cap
$820.9M
Beta
0.72
P/E (TTM)
10.72
P/E (Fwd)
9.54
EPS (TTM)
$3.45
EPS (Fwd)
$3.88
ROE
14.4%
ROA
1.3%
Cash
$189.1M
Total Debt
$187.4M
Free CF
—
52W Change
16.0%
Annual Financials
Cash vs Debt
Where IBCP stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, IBCP finished 1.31% above its 150-day moving average ($35.15) and 2.06% above its 200-day moving average ($34.89). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is IBCP overbought or oversold?
At the October 20, 2026 close, IBCP's RSI(14) was 52.9, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Independent Bank Corporation holds $189.1M in cash against $187.4M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. ROE of 14.4% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.3% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $204.8M (2022) to $218.3M (2025).
As with any equity investment, IBCP carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Independent Bank Corporation and its sector.