Financhill
Buy
63

IBCP Quote, Financials, Valuation and Earnings

Last price:
$33.86
Seasonality move :
20.29%
Day range:
$33.31 - $34.18
52-week range:
$26.75 - $37.13
Dividend yield:
3.07%
P/E ratio:
10.41x
P/S ratio:
2.21x
P/B ratio:
1.43x
Volume:
133.2K
Avg. volume:
131.8K
1-year change:
-2.9%
Market cap:
$700.6M
Revenue:
$320.4M
EPS (TTM):
$3.25

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)
$49.7M $0.80 -35.03% 8.53% $35.40
COLB
Columbia Banking System, Inc.
$676.3M $0.68 -5.39% 66.04% $31.04
CZNC
Citizens & Northern Corp.
$35.9M $0.59 -13.4% 44.96% $22.25
FIBK
First Interstate BancSystem, Inc.
$243.4M $0.59 -29.4% 21.08% $37.38
FMNB
Farmers National Banc Corp.
$52.5M $0.48 -26.93% 21.88% $16.00
INDB
Independent Bank Corp. (Massachusetts)
$247.7M $1.66 1% 40.57% $83.40
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
IBCP
Independent Bank Corp. (Michigan)
$33.86 $35.40 $700.6M 10.41x $0.26 3.07% 2.21x
COLB
Columbia Banking System, Inc.
$28.91 $31.04 $8.6B 13.01x $0.37 5.02% 2.10x
CZNC
Citizens & Northern Corp.
$21.45 $22.25 $381.9M 12.26x $0.28 5.22% 2.05x
FIBK
First Interstate BancSystem, Inc.
$36.85 $37.38 $3.8B 15.52x $0.47 5.1% 2.74x
FMNB
Farmers National Banc Corp.
$13.53 $16.00 $509.4M 9.37x $0.17 5.03% 1.83x
INDB
Independent Bank Corp. (Massachusetts)
$76.45 $83.40 $3.8B 18.63x $0.59 3.09% 3.16x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
IBCP
Independent Bank Corp. (Michigan)
9.01% 0.882 7.58% 0.00x
COLB
Columbia Banking System, Inc.
28.29% 0.974 39.91% 0.00x
CZNC
Citizens & Northern Corp.
37.22% 0.493 56.63% 0.00x
FIBK
First Interstate BancSystem, Inc.
18.72% 1.059 23.98% 0.00x
FMNB
Farmers National Banc Corp.
41.43% 0.490 60.76% 0.00x
INDB
Independent Bank Corp. (Massachusetts)
17.94% 0.795 22.55% 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)
-- $21.2M 11.72% 14.66% 55.55% $16.5M
COLB
Columbia Banking System, Inc.
-- $206M 5.04% 8.32% 43.38% $227.9M
CZNC
Citizens & Northern Corp.
-- $8.9M 5.6% 9.51% 47.39% $8.5M
FIBK
First Interstate BancSystem, Inc.
-- $92.6M 4.72% 7.26% 52.96% $84.3M
FMNB
Farmers National Banc Corp.
-- $17.8M 7.18% 12.47% 53.25% $9.2M
INDB
Independent Bank Corp. (Massachusetts)
-- $68.3M 4.63% 5.75% 40.71% $49.5M

Independent Bank Corp. (Michigan) vs. Competitors

  • Which has Higher Returns IBCP or COLB?

    Columbia Banking System, Inc. has a net margin of 21.55% compared to Independent Bank Corp. (Michigan)'s net margin of 11.77%. Independent Bank Corp. (Michigan)'s return on equity of 14.66% beat Columbia Banking System, Inc.'s return on equity of 8.32%.

    Company Gross Margin Earnings Per Share Invested Capital
    IBCP
    Independent Bank Corp. (Michigan)
    -- $0.84 $539.3M
    COLB
    Columbia Banking System, Inc.
    -- $0.40 $10.9B
  • What do Analysts Say About IBCP or COLB?

    Independent Bank Corp. (Michigan) has a consensus price target of $35.40, signalling upside risk potential of 4.55%. On the other hand Columbia Banking System, Inc. has an analysts' consensus of $31.04 which suggests that it could grow by 7.36%. 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 0.798, which suggesting that the stock is 20.212% less volatile than S&P 500. In comparison Columbia Banking System, Inc. has a beta of 0.597, suggesting its less volatile than the S&P 500 by 40.325%.

  • Which is a Better Dividend Stock IBCP or COLB?

    Independent Bank Corp. (Michigan) has a quarterly dividend of $0.26 per share corresponding to a yield of 3.07%. Columbia Banking System, Inc. offers a yield of 5.02% to investors and pays a quarterly dividend of $0.37 per share. Independent Bank Corp. (Michigan) pays 30.34% of its earnings as a dividend. Columbia Banking System, Inc. pays out 56.48% 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 $81.2M, which are smaller than Columbia Banking System, Inc. quarterly revenues of $816M. Independent Bank Corp. (Michigan)'s net income of $17.5M is lower than Columbia Banking System, Inc.'s net income of $96M. Notably, Independent Bank Corp. (Michigan)'s price-to-earnings ratio is 10.41x while Columbia Banking System, Inc.'s PE ratio is 13.01x. 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 2.21x versus 2.10x 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)
    2.21x 10.41x $81.2M $17.5M
    COLB
    Columbia Banking System, Inc.
    2.10x 13.01x $816M $96M
  • Which has Higher Returns IBCP or CZNC?

    Citizens & Northern Corp. has a net margin of 21.55% compared to Independent Bank Corp. (Michigan)'s net margin of 15.87%. Independent Bank Corp. (Michigan)'s return on equity of 14.66% beat Citizens & Northern Corp.'s return on equity of 9.51%.

    Company Gross Margin Earnings Per Share Invested Capital
    IBCP
    Independent Bank Corp. (Michigan)
    -- $0.84 $539.3M
    CZNC
    Citizens & Northern Corp.
    -- $0.42 $468.2M
  • What do Analysts Say About IBCP or CZNC?

    Independent Bank Corp. (Michigan) has a consensus price target of $35.40, signalling upside risk potential of 4.55%. On the other hand Citizens & Northern Corp. has an analysts' consensus of $22.25 which suggests that it could grow by 3.73%. Given that Independent Bank Corp. (Michigan) has higher upside potential than Citizens & Northern Corp., analysts believe Independent Bank Corp. (Michigan) is more attractive than Citizens & Northern Corp..

    Company Buy Ratings Hold Ratings Sell Ratings
    IBCP
    Independent Bank Corp. (Michigan)
    0 5 0
    CZNC
    Citizens & Northern Corp.
    0 2 0
  • Is IBCP or CZNC More Risky?

    Independent Bank Corp. (Michigan) has a beta of 0.798, which suggesting that the stock is 20.212% less volatile than S&P 500. In comparison Citizens & Northern Corp. has a beta of 0.555, suggesting its less volatile than the S&P 500 by 44.5%.

  • Which is a Better Dividend Stock IBCP or CZNC?

    Independent Bank Corp. (Michigan) has a quarterly dividend of $0.26 per share corresponding to a yield of 3.07%. Citizens & Northern Corp. offers a yield of 5.22% to investors and pays a quarterly dividend of $0.28 per share. Independent Bank Corp. (Michigan) pays 30.34% of its earnings as a dividend. Citizens & Northern Corp. pays out 66.39% 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 CZNC?

    Independent Bank Corp. (Michigan) quarterly revenues are $81.2M, which are larger than Citizens & Northern Corp. quarterly revenues of $40.9M. Independent Bank Corp. (Michigan)'s net income of $17.5M is higher than Citizens & Northern Corp.'s net income of $6.5M. Notably, Independent Bank Corp. (Michigan)'s price-to-earnings ratio is 10.41x while Citizens & Northern Corp.'s PE ratio is 12.26x. 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 2.21x versus 2.05x for Citizens & Northern 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)
    2.21x 10.41x $81.2M $17.5M
    CZNC
    Citizens & Northern Corp.
    2.05x 12.26x $40.9M $6.5M
  • Which has Higher Returns IBCP or FIBK?

    First Interstate BancSystem, Inc. has a net margin of 21.55% compared to Independent Bank Corp. (Michigan)'s net margin of 21.27%. Independent Bank Corp. (Michigan)'s return on equity of 14.66% beat First Interstate BancSystem, Inc.'s return on equity of 7.26%.

    Company Gross Margin Earnings Per Share Invested Capital
    IBCP
    Independent Bank Corp. (Michigan)
    -- $0.84 $539.3M
    FIBK
    First Interstate BancSystem, Inc.
    -- $0.69 $4.2B
  • What do Analysts Say About IBCP or FIBK?

    Independent Bank Corp. (Michigan) has a consensus price target of $35.40, signalling upside risk potential of 4.55%. On the other hand First Interstate BancSystem, Inc. has an analysts' consensus of $37.38 which suggests that it could grow by 1.43%. Given that Independent Bank Corp. (Michigan) has higher upside potential than First Interstate BancSystem, Inc., analysts believe Independent Bank Corp. (Michigan) is more attractive than First Interstate BancSystem, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    IBCP
    Independent Bank Corp. (Michigan)
    0 5 0
    FIBK
    First Interstate BancSystem, Inc.
    2 3 1
  • Is IBCP or FIBK More Risky?

    Independent Bank Corp. (Michigan) has a beta of 0.798, which suggesting that the stock is 20.212% less volatile than S&P 500. In comparison First Interstate BancSystem, Inc. has a beta of 0.807, suggesting its less volatile than the S&P 500 by 19.278%.

  • Which is a Better Dividend Stock IBCP or FIBK?

    Independent Bank Corp. (Michigan) has a quarterly dividend of $0.26 per share corresponding to a yield of 3.07%. First Interstate BancSystem, Inc. offers a yield of 5.1% to investors and pays a quarterly dividend of $0.47 per share. Independent Bank Corp. (Michigan) pays 30.34% of its earnings as a dividend. First Interstate BancSystem, Inc. pays out 85.84% 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 FIBK?

    Independent Bank Corp. (Michigan) quarterly revenues are $81.2M, which are smaller than First Interstate BancSystem, Inc. quarterly revenues of $335.7M. Independent Bank Corp. (Michigan)'s net income of $17.5M is lower than First Interstate BancSystem, Inc.'s net income of $71.4M. Notably, Independent Bank Corp. (Michigan)'s price-to-earnings ratio is 10.41x while First Interstate BancSystem, Inc.'s PE ratio is 15.52x. 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 2.21x versus 2.74x for First Interstate BancSystem, 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)
    2.21x 10.41x $81.2M $17.5M
    FIBK
    First Interstate BancSystem, Inc.
    2.74x 15.52x $335.7M $71.4M
  • Which has Higher Returns IBCP or FMNB?

    Farmers National Banc Corp. has a net margin of 21.55% compared to Independent Bank Corp. (Michigan)'s net margin of 17.6%. Independent Bank Corp. (Michigan)'s return on equity of 14.66% beat Farmers National Banc Corp.'s return on equity of 12.47%.

    Company Gross Margin Earnings Per Share Invested Capital
    IBCP
    Independent Bank Corp. (Michigan)
    -- $0.84 $539.3M
    FMNB
    Farmers National Banc Corp.
    -- $0.33 $795.5M
  • What do Analysts Say About IBCP or FMNB?

    Independent Bank Corp. (Michigan) has a consensus price target of $35.40, signalling upside risk potential of 4.55%. On the other hand Farmers National Banc Corp. has an analysts' consensus of $16.00 which suggests that it could grow by 18.26%. Given that Farmers National Banc Corp. has higher upside potential than Independent Bank Corp. (Michigan), analysts believe Farmers National Banc Corp. is more attractive than Independent Bank Corp. (Michigan).

    Company Buy Ratings Hold Ratings Sell Ratings
    IBCP
    Independent Bank Corp. (Michigan)
    0 5 0
    FMNB
    Farmers National Banc Corp.
    0 2 0
  • Is IBCP or FMNB More Risky?

    Independent Bank Corp. (Michigan) has a beta of 0.798, which suggesting that the stock is 20.212% less volatile than S&P 500. In comparison Farmers National Banc Corp. has a beta of 0.854, suggesting its less volatile than the S&P 500 by 14.603%.

  • Which is a Better Dividend Stock IBCP or FMNB?

    Independent Bank Corp. (Michigan) has a quarterly dividend of $0.26 per share corresponding to a yield of 3.07%. Farmers National Banc Corp. offers a yield of 5.03% to investors and pays a quarterly dividend of $0.17 per share. Independent Bank Corp. (Michigan) pays 30.34% of its earnings as a dividend. Farmers National Banc Corp. pays out 55.52% 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 FMNB?

    Independent Bank Corp. (Michigan) quarterly revenues are $81.2M, which are larger than Farmers National Banc Corp. quarterly revenues of $70.8M. Independent Bank Corp. (Michigan)'s net income of $17.5M is higher than Farmers National Banc Corp.'s net income of $12.5M. Notably, Independent Bank Corp. (Michigan)'s price-to-earnings ratio is 10.41x while Farmers National Banc Corp.'s PE ratio is 9.37x. 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 2.21x versus 1.83x for Farmers National Banc 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)
    2.21x 10.41x $81.2M $17.5M
    FMNB
    Farmers National Banc Corp.
    1.83x 9.37x $70.8M $12.5M
  • Which has Higher Returns IBCP or INDB?

    Independent Bank Corp. (Massachusetts) has a net margin of 21.55% compared to Independent Bank Corp. (Michigan)'s net margin of 10.27%. Independent Bank Corp. (Michigan)'s return on equity of 14.66% beat Independent Bank Corp. (Massachusetts)'s return on equity of 5.75%.

    Company Gross Margin Earnings Per Share Invested Capital
    IBCP
    Independent Bank Corp. (Michigan)
    -- $0.84 $539.3M
    INDB
    Independent Bank Corp. (Massachusetts)
    -- $0.69 $4.3B
  • What do Analysts Say About IBCP or INDB?

    Independent Bank Corp. (Michigan) has a consensus price target of $35.40, signalling upside risk potential of 4.55%. On the other hand Independent Bank Corp. (Massachusetts) has an analysts' consensus of $83.40 which suggests that it could grow by 9.09%. 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 2 0
  • Is IBCP or INDB More Risky?

    Independent Bank Corp. (Michigan) has a beta of 0.798, which suggesting that the stock is 20.212% less volatile than S&P 500. In comparison Independent Bank Corp. (Massachusetts) has a beta of 0.792, suggesting its less volatile than the S&P 500 by 20.797%.

  • Which is a Better Dividend Stock IBCP or INDB?

    Independent Bank Corp. (Michigan) has a quarterly dividend of $0.26 per share corresponding to a yield of 3.07%. Independent Bank Corp. (Massachusetts) offers a yield of 3.09% to investors and pays a quarterly dividend of $0.59 per share. Independent Bank Corp. (Michigan) pays 30.34% of its earnings as a dividend. Independent Bank Corp. (Massachusetts) pays out 50.46% 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 $81.2M, which are smaller than Independent Bank Corp. (Massachusetts) quarterly revenues of $333.5M. Independent Bank Corp. (Michigan)'s net income of $17.5M is lower than Independent Bank Corp. (Massachusetts)'s net income of $34.3M. Notably, Independent Bank Corp. (Michigan)'s price-to-earnings ratio is 10.41x while Independent Bank Corp. (Massachusetts)'s PE ratio is 18.63x. 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 2.21x versus 3.16x 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)
    2.21x 10.41x $81.2M $17.5M
    INDB
    Independent Bank Corp. (Massachusetts)
    3.16x 18.63x $333.5M $34.3M

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