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. The $762.1M market capitalization puts IBCP squarely in small-cap range for its industry. The company offers demand deposits, interest checking, money market accounts, savings accounts, and time certificates of deposit, including free checking accounts.
Market Cap
$762.1M
Beta
0.69
P/E (TTM)
10.72
P/E (Fwd)
9.53
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
17.0%
Annual Financials
Cash vs Debt
Where IBCP stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, IBCP finished 5.30% above its 150-day moving average ($34.90) and 7.11% above its 200-day moving average ($34.31). 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 September 3, 2026 close, IBCP's RSI(14) was 29.6, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish 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. Return on equity stands at 14.4%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. 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).
The relatively low beta of 0.69 suggests IBCP is a less volatile holding compared to the broader index. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Independent Bank Corporation and its sector.