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IBCP Quote, Financials, Valuation and Earnings

Last price:
$33.31
Seasonality move :
-2.64%
Day range:
$33.30 - $33.94
52-week range:
$26.75 - $37.39
Dividend yield:
3.13%
P/E ratio:
10.36x
P/S ratio:
2.25x
P/B ratio:
1.39x
Volume:
197.1K
Avg. volume:
214.6K
1-year change:
8.88%
Market cap:
$697.7M
Revenue:
$315.4M
EPS (TTM):
$3.27

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
IBCP
Independent Bank Corp. (Michigan)
$50.9M $0.79 -33.51% 6.91% $37.00
COLB
Columbia Banking System, Inc.
$677.5M $0.69 -5.37% 66.17% $32.35
CPF
Central Pacific Financial Corp.
$74.3M $0.76 -15.83% 16.46% $37.50
CTBI
Community Trust Bancorp, Inc. (Kentucky)
$73M $1.39 -24.51% 13.6% $69.00
HCBN
H.C.B. Financial Corp.
-- -- -- -- --
INDB
Independent Bank Corp. (Massachusetts)
$251.5M $1.68 3.37% 61.19% $89.60
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
IBCP
Independent Bank Corp. (Michigan)
$33.59 $37.00 $697.7M 10.36x $0.28 3.13% 2.25x
COLB
Columbia Banking System, Inc.
$27.92 $32.35 $8.4B 12.57x $0.37 5.14% 2.11x
CPF
Central Pacific Financial Corp.
$32.28 $37.50 $860.2M 11.38x $0.29 3.4% 2.42x
CTBI
Community Trust Bancorp, Inc. (Kentucky)
$61.58 $69.00 $1.1B 11.50x $0.53 3.3% 2.77x
HCBN
H.C.B. Financial Corp.
$68.60 -- $69.7M 11.48x $0.35 2.01% 2.25x
INDB
Independent Bank Corp. (Massachusetts)
$76.21 $89.60 $3.8B 17.38x $0.64 3.12% 3.06x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
IBCP
Independent Bank Corp. (Michigan)
19.83% 0.378 18.61% 0.00x
COLB
Columbia Banking System, Inc.
33.83% 0.781 48.54% 0.00x
CPF
Central Pacific Financial Corp.
14.7% 0.368 12.42% 0.00x
CTBI
Community Trust Bancorp, Inc. (Kentucky)
31.29% 0.150 38.08% 0.00x
HCBN
H.C.B. Financial Corp.
-- -4.175 -- --
INDB
Independent Bank Corp. (Massachusetts)
20.18% 0.601 25.08% 0.00x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
IBCP
Independent Bank Corp. (Michigan)
-- $18M 11.39% 14.37% 52.13% $6.4M
COLB
Columbia Banking System, Inc.
-- $321M 5.52% 8.76% 54.17% $258M
CPF
Central Pacific Financial Corp.
-- $22.9M 10.7% 13.62% 49.27% $19.8M
CTBI
Community Trust Bancorp, Inc. (Kentucky)
-- $35.4M 8.53% 12.15% 62.97% $13M
HCBN
H.C.B. Financial Corp.
-- $2.3M 15.25% 15.74% 52.41% --
INDB
Independent Bank Corp. (Massachusetts)
-- $120.1M 5.06% 6.33% 53.55% $75.6M

Independent Bank Corp. (Michigan) vs. Competitors

  • Which has Higher Returns IBCP or COLB?

    Columbia Banking System, Inc. has a net margin of 23.4% compared to Independent Bank Corp. (Michigan)'s net margin of 22.6%. Independent Bank Corp. (Michigan)'s return on equity of 14.37% beat Columbia Banking System, Inc.'s return on equity of 8.76%.

    Company Gross Margin Earnings Per Share Invested Capital
    IBCP
    Independent Bank Corp. (Michigan)
    -- $0.89 $627.3M
    COLB
    Columbia Banking System, Inc.
    -- $0.72 $11.8B
  • What do Analysts Say About IBCP or COLB?

    Independent Bank Corp. (Michigan) has a consensus price target of $37.00, signalling upside risk potential of 10.15%. On the other hand Columbia Banking System, Inc. has an analysts' consensus of $32.35 which suggests that it could grow by 16.68%. Given that Columbia Banking System, Inc. has higher upside potential than Independent Bank Corp. (Michigan), analysts believe Columbia Banking System, Inc. is more attractive than Independent Bank Corp. (Michigan).

    Company Buy Ratings Hold Ratings Sell Ratings
    IBCP
    Independent Bank Corp. (Michigan)
    0 5 0
    COLB
    Columbia Banking System, Inc.
    2 9 0
  • Is IBCP or COLB More Risky?

    Independent Bank Corp. (Michigan) has a beta of 0.758, which suggesting that the stock is 24.162% less volatile than S&P 500. In comparison Columbia Banking System, Inc. has a beta of 0.611, suggesting its less volatile than the S&P 500 by 38.941%.

  • Which is a Better Dividend Stock IBCP or COLB?

    Independent Bank Corp. (Michigan) has a quarterly dividend of $0.28 per share corresponding to a yield of 3.13%. Columbia Banking System, Inc. offers a yield of 5.14% to investors and pays a quarterly dividend of $0.37 per share. Independent Bank Corp. (Michigan) pays 31.81% of its earnings as a dividend. Columbia Banking System, Inc. pays out 63.16% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios IBCP or COLB?

    Independent Bank Corp. (Michigan) quarterly revenues are $79.4M, which are smaller than Columbia Banking System, Inc. quarterly revenues of $947M. Independent Bank Corp. (Michigan)'s net income of $18.6M is lower than Columbia Banking System, Inc.'s net income of $214M. Notably, Independent Bank Corp. (Michigan)'s price-to-earnings ratio is 10.36x while Columbia Banking System, Inc.'s PE ratio is 12.57x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Independent Bank Corp. (Michigan) is 2.25x versus 2.11x for Columbia Banking System, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    IBCP
    Independent Bank Corp. (Michigan)
    2.25x 10.36x $79.4M $18.6M
    COLB
    Columbia Banking System, Inc.
    2.11x 12.57x $947M $214M
  • Which has Higher Returns IBCP or CPF?

    Central Pacific Financial Corp. has a net margin of 23.4% compared to Independent Bank Corp. (Michigan)'s net margin of 25.04%. Independent Bank Corp. (Michigan)'s return on equity of 14.37% beat Central Pacific Financial Corp.'s return on equity of 13.62%.

    Company Gross Margin Earnings Per Share Invested Capital
    IBCP
    Independent Bank Corp. (Michigan)
    -- $0.89 $627.3M
    CPF
    Central Pacific Financial Corp.
    -- $0.85 $694.7M
  • What do Analysts Say About IBCP or CPF?

    Independent Bank Corp. (Michigan) has a consensus price target of $37.00, signalling upside risk potential of 10.15%. On the other hand Central Pacific Financial Corp. has an analysts' consensus of $37.50 which suggests that it could grow by 16.17%. Given that Central Pacific Financial Corp. has higher upside potential than Independent Bank Corp. (Michigan), analysts believe Central Pacific Financial Corp. is more attractive than Independent Bank Corp. (Michigan).

    Company Buy Ratings Hold Ratings Sell Ratings
    IBCP
    Independent Bank Corp. (Michigan)
    0 5 0
    CPF
    Central Pacific Financial Corp.
    0 2 0
  • Is IBCP or CPF More Risky?

    Independent Bank Corp. (Michigan) has a beta of 0.758, which suggesting that the stock is 24.162% less volatile than S&P 500. In comparison Central Pacific Financial Corp. has a beta of 0.884, suggesting its less volatile than the S&P 500 by 11.585%.

  • Which is a Better Dividend Stock IBCP or CPF?

    Independent Bank Corp. (Michigan) has a quarterly dividend of $0.28 per share corresponding to a yield of 3.13%. Central Pacific Financial Corp. offers a yield of 3.4% to investors and pays a quarterly dividend of $0.29 per share. Independent Bank Corp. (Michigan) pays 31.81% of its earnings as a dividend. Central Pacific Financial Corp. pays out 38.05% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios IBCP or CPF?

    Independent Bank Corp. (Michigan) quarterly revenues are $79.4M, which are smaller than Central Pacific Financial Corp. quarterly revenues of $91.3M. Independent Bank Corp. (Michigan)'s net income of $18.6M is lower than Central Pacific Financial Corp.'s net income of $22.9M. Notably, Independent Bank Corp. (Michigan)'s price-to-earnings ratio is 10.36x while Central Pacific Financial Corp.'s PE ratio is 11.38x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Independent Bank Corp. (Michigan) is 2.25x versus 2.42x for Central Pacific Financial Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    IBCP
    Independent Bank Corp. (Michigan)
    2.25x 10.36x $79.4M $18.6M
    CPF
    Central Pacific Financial Corp.
    2.42x 11.38x $91.3M $22.9M
  • Which has Higher Returns IBCP or CTBI?

    Community Trust Bancorp, Inc. (Kentucky) has a net margin of 23.4% compared to Independent Bank Corp. (Michigan)'s net margin of 25.72%. Independent Bank Corp. (Michigan)'s return on equity of 14.37% beat Community Trust Bancorp, Inc. (Kentucky)'s return on equity of 12.15%.

    Company Gross Margin Earnings Per Share Invested Capital
    IBCP
    Independent Bank Corp. (Michigan)
    -- $0.89 $627.3M
    CTBI
    Community Trust Bancorp, Inc. (Kentucky)
    -- $1.51 $1.2B
  • What do Analysts Say About IBCP or CTBI?

    Independent Bank Corp. (Michigan) has a consensus price target of $37.00, signalling upside risk potential of 10.15%. On the other hand Community Trust Bancorp, Inc. (Kentucky) has an analysts' consensus of $69.00 which suggests that it could grow by 12.05%. Given that Community Trust Bancorp, Inc. (Kentucky) has higher upside potential than Independent Bank Corp. (Michigan), analysts believe Community Trust Bancorp, Inc. (Kentucky) is more attractive than Independent Bank Corp. (Michigan).

    Company Buy Ratings Hold Ratings Sell Ratings
    IBCP
    Independent Bank Corp. (Michigan)
    0 5 0
    CTBI
    Community Trust Bancorp, Inc. (Kentucky)
    1 0 0
  • Is IBCP or CTBI More Risky?

    Independent Bank Corp. (Michigan) has a beta of 0.758, which suggesting that the stock is 24.162% less volatile than S&P 500. In comparison Community Trust Bancorp, Inc. (Kentucky) has a beta of 0.532, suggesting its less volatile than the S&P 500 by 46.792%.

  • Which is a Better Dividend Stock IBCP or CTBI?

    Independent Bank Corp. (Michigan) has a quarterly dividend of $0.28 per share corresponding to a yield of 3.13%. Community Trust Bancorp, Inc. (Kentucky) offers a yield of 3.3% to investors and pays a quarterly dividend of $0.53 per share. Independent Bank Corp. (Michigan) pays 31.81% of its earnings as a dividend. Community Trust Bancorp, Inc. (Kentucky) pays out 36.8% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios IBCP or CTBI?

    Independent Bank Corp. (Michigan) quarterly revenues are $79.4M, which are smaller than Community Trust Bancorp, Inc. (Kentucky) quarterly revenues of $106M. Independent Bank Corp. (Michigan)'s net income of $18.6M is lower than Community Trust Bancorp, Inc. (Kentucky)'s net income of $27.3M. Notably, Independent Bank Corp. (Michigan)'s price-to-earnings ratio is 10.36x while Community Trust Bancorp, Inc. (Kentucky)'s PE ratio is 11.50x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Independent Bank Corp. (Michigan) is 2.25x versus 2.77x for Community Trust Bancorp, Inc. (Kentucky). Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    IBCP
    Independent Bank Corp. (Michigan)
    2.25x 10.36x $79.4M $18.6M
    CTBI
    Community Trust Bancorp, Inc. (Kentucky)
    2.77x 11.50x $106M $27.3M
  • Which has Higher Returns IBCP or HCBN?

    H.C.B. Financial Corp. has a net margin of 23.4% compared to Independent Bank Corp. (Michigan)'s net margin of 22.99%. Independent Bank Corp. (Michigan)'s return on equity of 14.37% beat H.C.B. Financial Corp.'s return on equity of 15.74%.

    Company Gross Margin Earnings Per Share Invested Capital
    IBCP
    Independent Bank Corp. (Michigan)
    -- $0.89 $627.3M
    HCBN
    H.C.B. Financial Corp.
    -- $1.79 $46.5M
  • What do Analysts Say About IBCP or HCBN?

    Independent Bank Corp. (Michigan) has a consensus price target of $37.00, signalling upside risk potential of 10.15%. On the other hand H.C.B. Financial Corp. has an analysts' consensus of -- which suggests that it could fall by --. Given that Independent Bank Corp. (Michigan) has higher upside potential than H.C.B. Financial Corp., analysts believe Independent Bank Corp. (Michigan) is more attractive than H.C.B. Financial Corp..

    Company Buy Ratings Hold Ratings Sell Ratings
    IBCP
    Independent Bank Corp. (Michigan)
    0 5 0
    HCBN
    H.C.B. Financial Corp.
    0 0 0
  • Is IBCP or HCBN More Risky?

    Independent Bank Corp. (Michigan) has a beta of 0.758, which suggesting that the stock is 24.162% less volatile than S&P 500. In comparison H.C.B. Financial Corp. has a beta of 0.037, suggesting its less volatile than the S&P 500 by 96.341%.

  • Which is a Better Dividend Stock IBCP or HCBN?

    Independent Bank Corp. (Michigan) has a quarterly dividend of $0.28 per share corresponding to a yield of 3.13%. H.C.B. Financial Corp. offers a yield of 2.01% to investors and pays a quarterly dividend of $0.35 per share. Independent Bank Corp. (Michigan) pays 31.81% of its earnings as a dividend. H.C.B. Financial Corp. pays out 23.02% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios IBCP or HCBN?

    Independent Bank Corp. (Michigan) quarterly revenues are $79.4M, which are larger than H.C.B. Financial Corp. quarterly revenues of $8.3M. Independent Bank Corp. (Michigan)'s net income of $18.6M is higher than H.C.B. Financial Corp.'s net income of $1.9M. Notably, Independent Bank Corp. (Michigan)'s price-to-earnings ratio is 10.36x while H.C.B. Financial Corp.'s PE ratio is 11.48x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Independent Bank Corp. (Michigan) is 2.25x versus 2.25x for H.C.B. Financial Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    IBCP
    Independent Bank Corp. (Michigan)
    2.25x 10.36x $79.4M $18.6M
    HCBN
    H.C.B. Financial Corp.
    2.25x 11.48x $8.3M $1.9M
  • Which has Higher Returns IBCP or INDB?

    Independent Bank Corp. (Massachusetts) has a net margin of 23.4% compared to Independent Bank Corp. (Michigan)'s net margin of 22.43%. Independent Bank Corp. (Michigan)'s return on equity of 14.37% beat Independent Bank Corp. (Massachusetts)'s return on equity of 6.33%.

    Company Gross Margin Earnings Per Share Invested Capital
    IBCP
    Independent Bank Corp. (Michigan)
    -- $0.89 $627.3M
    INDB
    Independent Bank Corp. (Massachusetts)
    -- $1.52 $4.5B
  • What do Analysts Say About IBCP or INDB?

    Independent Bank Corp. (Michigan) has a consensus price target of $37.00, signalling upside risk potential of 10.15%. On the other hand Independent Bank Corp. (Massachusetts) has an analysts' consensus of $89.60 which suggests that it could grow by 17.57%. Given that Independent Bank Corp. (Massachusetts) has higher upside potential than Independent Bank Corp. (Michigan), analysts believe Independent Bank Corp. (Massachusetts) is more attractive than Independent Bank Corp. (Michigan).

    Company Buy Ratings Hold Ratings Sell Ratings
    IBCP
    Independent Bank Corp. (Michigan)
    0 5 0
    INDB
    Independent Bank Corp. (Massachusetts)
    2 1 0
  • Is IBCP or INDB More Risky?

    Independent Bank Corp. (Michigan) has a beta of 0.758, which suggesting that the stock is 24.162% less volatile than S&P 500. In comparison Independent Bank Corp. (Massachusetts) has a beta of 0.794, suggesting its less volatile than the S&P 500 by 20.627%.

  • Which is a Better Dividend Stock IBCP or INDB?

    Independent Bank Corp. (Michigan) has a quarterly dividend of $0.28 per share corresponding to a yield of 3.13%. Independent Bank Corp. (Massachusetts) offers a yield of 3.12% to investors and pays a quarterly dividend of $0.64 per share. Independent Bank Corp. (Michigan) pays 31.81% of its earnings as a dividend. Independent Bank Corp. (Massachusetts) pays out 53.15% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios IBCP or INDB?

    Independent Bank Corp. (Michigan) quarterly revenues are $79.4M, which are smaller than Independent Bank Corp. (Massachusetts) quarterly revenues of $335.9M. Independent Bank Corp. (Michigan)'s net income of $18.6M is lower than Independent Bank Corp. (Massachusetts)'s net income of $75.3M. Notably, Independent Bank Corp. (Michigan)'s price-to-earnings ratio is 10.36x while Independent Bank Corp. (Massachusetts)'s PE ratio is 17.38x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Independent Bank Corp. (Michigan) is 2.25x versus 3.06x for Independent Bank Corp. (Massachusetts). Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    IBCP
    Independent Bank Corp. (Michigan)
    2.25x 10.36x $79.4M $18.6M
    INDB
    Independent Bank Corp. (Massachusetts)
    3.06x 17.38x $335.9M $75.3M

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