Is DocuSign Stock Undervalued?
Digital signature software business DocuSign (NASDAQ:DOCU) has been struggling over…
Buy
62
INDB Quote, Financials, Valuation and Earnings
Last price:
$75.70
Seasonality move
:
6.39%
Day range:
$75.41 - $76.05
52-week range:
$52.15 - $78.17
Dividend yield:
3.09%
P/E ratio:
18.45x
P/S ratio:
3.13x
P/B ratio:
1.06x
Volume:
217.3K
Avg. volume:
321.9K
1-year change:
14.52%
Market cap:
$3.8B
Revenue:
$978.5M
EPS (TTM):
$4.10
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 |
|---|---|---|---|---|---|
|
INDB
Independent Bank Corp. (Massachusetts)
|
$244.8M | $1.54 | 1.29% | 40.57% | $83.40 |
|
COLB
Columbia Banking System, Inc.
|
$573M | $0.69 | -4.56% | 4.7% | $30.50 |
|
CZNC
Citizens & Northern Corp.
|
$28.5M | $0.53 | -13.4% | 10.48% | $22.50 |
|
FIBK
First Interstate BancSystem, Inc.
|
$254.5M | $0.61 | -31.03% | 25.67% | $37.00 |
|
IBCP
Independent Bank Corp. (Michigan)
|
$49.3M | $0.84 | -41.41% | -3.66% | $35.60 |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
$116.9M | $0.82 | -23.9% | 16.15% | $34.00 |
| Company | Price | Analyst Target | Market Cap | P/E Ratio | Dividend per Share | Dividend Yield | Price / LTM Sales |
|---|---|---|---|---|---|---|---|
|
INDB
Independent Bank Corp. (Massachusetts)
|
$75.71 | $83.40 | $3.8B | 18.45x | $0.59 | 3.09% | 3.13x |
|
COLB
Columbia Banking System, Inc.
|
$28.62 | $30.50 | $8.6B | 12.88x | $0.37 | 5.07% | 2.08x |
|
CZNC
Citizens & Northern Corp.
|
$20.66 | $22.50 | $367.8M | 11.81x | $0.28 | 5.42% | 1.97x |
|
FIBK
First Interstate BancSystem, Inc.
|
$35.86 | $37.00 | $3.7B | 15.11x | $0.47 | 5.24% | 2.66x |
|
IBCP
Independent Bank Corp. (Michigan)
|
$33.53 | $35.60 | $693.8M | 10.30x | $0.26 | 3.1% | 2.19x |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
$30.67 | $34.00 | $1.1B | 10.73x | $0.41 | 5.32% | 1.76x |
| Company | Total Debt / Total Capital | Beta | Debt to Equity | Quick Ratio |
|---|---|---|---|---|
|
INDB
Independent Bank Corp. (Massachusetts)
|
17.94% | 1.077 | 22.55% | 0.00x |
|
COLB
Columbia Banking System, Inc.
|
28.29% | 1.283 | 39.91% | 0.00x |
|
CZNC
Citizens & Northern Corp.
|
37.22% | 0.740 | 56.63% | 0.00x |
|
FIBK
First Interstate BancSystem, Inc.
|
18.72% | 1.240 | 23.98% | 0.00x |
|
IBCP
Independent Bank Corp. (Michigan)
|
9.01% | 1.007 | 7.58% | 0.00x |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
37.88% | 0.881 | 67.53% | 0.00x |
| Company | Gross Profit | Operating Income | Return on Invested Capital | Return on Common Equity | EBIT Margin | Free Cash Flow |
|---|---|---|---|---|---|---|
|
INDB
Independent Bank Corp. (Massachusetts)
|
-- | $68.3M | 4.63% | 5.75% | 40.71% | $49.5M |
|
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 |
|
IBCP
Independent Bank Corp. (Michigan)
|
-- | $21.2M | 11.72% | 14.66% | 55.55% | $16.5M |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
-- | $38M | 6.14% | 8.84% | 50.74% | $12.7M |
Independent Bank Corp. (Massachusetts) vs. Competitors
-
Which has Higher Returns INDB or COLB?
Columbia Banking System, Inc. has a net margin of 10.27% compared to Independent Bank Corp. (Massachusetts)'s net margin of 11.77%. Independent Bank Corp. (Massachusetts)'s return on equity of 5.75% beat Columbia Banking System, Inc.'s return on equity of 8.32%.
Company Gross Margin Earnings Per Share Invested Capital INDBIndependent Bank Corp. (Massachusetts)-- $0.69 $4.3B COLBColumbia Banking System, Inc.-- $0.40 $10.9B -
What do Analysts Say About INDB or COLB?
Independent Bank Corp. (Massachusetts) has a consensus price target of $83.40, signalling upside risk potential of 10.16%. On the other hand Columbia Banking System, Inc. has an analysts' consensus of $30.50 which suggests that it could grow by 6.57%. Given that Independent Bank Corp. (Massachusetts) has higher upside potential than Columbia Banking System, Inc., analysts believe Independent Bank Corp. (Massachusetts) is more attractive than Columbia Banking System, Inc..
Company Buy Ratings Hold Ratings Sell Ratings INDBIndependent Bank Corp. (Massachusetts)2 2 0 COLBColumbia Banking System, Inc.2 9 0 -
Is INDB or COLB More Risky?
Independent Bank Corp. (Massachusetts) has a beta of 0.808, which suggesting that the stock is 19.211% less volatile than S&P 500. In comparison Columbia Banking System, Inc. has a beta of 0.624, suggesting its less volatile than the S&P 500 by 37.596%.
-
Which is a Better Dividend Stock INDB or COLB?
Independent Bank Corp. (Massachusetts) has a quarterly dividend of $0.59 per share corresponding to a yield of 3.09%. Columbia Banking System, Inc. offers a yield of 5.07% to investors and pays a quarterly dividend of $0.37 per share. Independent Bank Corp. (Massachusetts) pays 50.46% 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 INDB or COLB?
Independent Bank Corp. (Massachusetts) quarterly revenues are $333.5M, which are smaller than Columbia Banking System, Inc. quarterly revenues of $816M. Independent Bank Corp. (Massachusetts)'s net income of $34.3M is lower than Columbia Banking System, Inc.'s net income of $96M. Notably, Independent Bank Corp. (Massachusetts)'s price-to-earnings ratio is 18.45x while Columbia Banking System, Inc.'s PE ratio is 12.88x. 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. (Massachusetts) is 3.13x versus 2.08x 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 INDBIndependent Bank Corp. (Massachusetts)3.13x 18.45x $333.5M $34.3M COLBColumbia Banking System, Inc.2.08x 12.88x $816M $96M
-
Which has Higher Returns INDB or CZNC?
Citizens & Northern Corp. has a net margin of 10.27% compared to Independent Bank Corp. (Massachusetts)'s net margin of 15.87%. Independent Bank Corp. (Massachusetts)'s return on equity of 5.75% beat Citizens & Northern Corp.'s return on equity of 9.51%.
Company Gross Margin Earnings Per Share Invested Capital INDBIndependent Bank Corp. (Massachusetts)-- $0.69 $4.3B CZNCCitizens & Northern Corp.-- $0.42 $468.2M -
What do Analysts Say About INDB or CZNC?
Independent Bank Corp. (Massachusetts) has a consensus price target of $83.40, signalling upside risk potential of 10.16%. On the other hand Citizens & Northern Corp. has an analysts' consensus of $22.50 which suggests that it could grow by 8.91%. Given that Independent Bank Corp. (Massachusetts) has higher upside potential than Citizens & Northern Corp., analysts believe Independent Bank Corp. (Massachusetts) is more attractive than Citizens & Northern Corp..
Company Buy Ratings Hold Ratings Sell Ratings INDBIndependent Bank Corp. (Massachusetts)2 2 0 CZNCCitizens & Northern Corp.0 1 0 -
Is INDB or CZNC More Risky?
Independent Bank Corp. (Massachusetts) has a beta of 0.808, which suggesting that the stock is 19.211% less volatile than S&P 500. In comparison Citizens & Northern Corp. has a beta of 0.571, suggesting its less volatile than the S&P 500 by 42.86%.
-
Which is a Better Dividend Stock INDB or CZNC?
Independent Bank Corp. (Massachusetts) has a quarterly dividend of $0.59 per share corresponding to a yield of 3.09%. Citizens & Northern Corp. offers a yield of 5.42% to investors and pays a quarterly dividend of $0.28 per share. Independent Bank Corp. (Massachusetts) pays 50.46% 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 INDB or CZNC?
Independent Bank Corp. (Massachusetts) quarterly revenues are $333.5M, which are larger than Citizens & Northern Corp. quarterly revenues of $40.9M. Independent Bank Corp. (Massachusetts)'s net income of $34.3M is higher than Citizens & Northern Corp.'s net income of $6.5M. Notably, Independent Bank Corp. (Massachusetts)'s price-to-earnings ratio is 18.45x while Citizens & Northern Corp.'s PE ratio is 11.81x. 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. (Massachusetts) is 3.13x versus 1.97x 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 INDBIndependent Bank Corp. (Massachusetts)3.13x 18.45x $333.5M $34.3M CZNCCitizens & Northern Corp.1.97x 11.81x $40.9M $6.5M
-
Which has Higher Returns INDB or FIBK?
First Interstate BancSystem, Inc. has a net margin of 10.27% compared to Independent Bank Corp. (Massachusetts)'s net margin of 21.27%. Independent Bank Corp. (Massachusetts)'s return on equity of 5.75% beat First Interstate BancSystem, Inc.'s return on equity of 7.26%.
Company Gross Margin Earnings Per Share Invested Capital INDBIndependent Bank Corp. (Massachusetts)-- $0.69 $4.3B FIBKFirst Interstate BancSystem, Inc.-- $0.69 $4.2B -
What do Analysts Say About INDB or FIBK?
Independent Bank Corp. (Massachusetts) has a consensus price target of $83.40, signalling upside risk potential of 10.16%. On the other hand First Interstate BancSystem, Inc. has an analysts' consensus of $37.00 which suggests that it could grow by 3.18%. Given that Independent Bank Corp. (Massachusetts) has higher upside potential than First Interstate BancSystem, Inc., analysts believe Independent Bank Corp. (Massachusetts) is more attractive than First Interstate BancSystem, Inc..
Company Buy Ratings Hold Ratings Sell Ratings INDBIndependent Bank Corp. (Massachusetts)2 2 0 FIBKFirst Interstate BancSystem, Inc.2 3 1 -
Is INDB or FIBK More Risky?
Independent Bank Corp. (Massachusetts) has a beta of 0.808, which suggesting that the stock is 19.211% less volatile than S&P 500. In comparison First Interstate BancSystem, Inc. has a beta of 0.824, suggesting its less volatile than the S&P 500 by 17.645%.
-
Which is a Better Dividend Stock INDB or FIBK?
Independent Bank Corp. (Massachusetts) has a quarterly dividend of $0.59 per share corresponding to a yield of 3.09%. First Interstate BancSystem, Inc. offers a yield of 5.24% to investors and pays a quarterly dividend of $0.47 per share. Independent Bank Corp. (Massachusetts) pays 50.46% 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 INDB or FIBK?
Independent Bank Corp. (Massachusetts) quarterly revenues are $333.5M, which are smaller than First Interstate BancSystem, Inc. quarterly revenues of $335.7M. Independent Bank Corp. (Massachusetts)'s net income of $34.3M is lower than First Interstate BancSystem, Inc.'s net income of $71.4M. Notably, Independent Bank Corp. (Massachusetts)'s price-to-earnings ratio is 18.45x while First Interstate BancSystem, Inc.'s PE ratio is 15.11x. 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. (Massachusetts) is 3.13x versus 2.66x 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 INDBIndependent Bank Corp. (Massachusetts)3.13x 18.45x $333.5M $34.3M FIBKFirst Interstate BancSystem, Inc.2.66x 15.11x $335.7M $71.4M
-
Which has Higher Returns INDB or IBCP?
Independent Bank Corp. (Michigan) has a net margin of 10.27% compared to Independent Bank Corp. (Massachusetts)'s net margin of 21.55%. Independent Bank Corp. (Massachusetts)'s return on equity of 5.75% beat Independent Bank Corp. (Michigan)'s return on equity of 14.66%.
Company Gross Margin Earnings Per Share Invested Capital INDBIndependent Bank Corp. (Massachusetts)-- $0.69 $4.3B IBCPIndependent Bank Corp. (Michigan)-- $0.84 $539.3M -
What do Analysts Say About INDB or IBCP?
Independent Bank Corp. (Massachusetts) has a consensus price target of $83.40, signalling upside risk potential of 10.16%. On the other hand Independent Bank Corp. (Michigan) has an analysts' consensus of $35.60 which suggests that it could grow by 6.17%. 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 INDBIndependent Bank Corp. (Massachusetts)2 2 0 IBCPIndependent Bank Corp. (Michigan)0 5 0 -
Is INDB or IBCP More Risky?
Independent Bank Corp. (Massachusetts) has a beta of 0.808, which suggesting that the stock is 19.211% less volatile than S&P 500. In comparison Independent Bank Corp. (Michigan) has a beta of 0.808, suggesting its less volatile than the S&P 500 by 19.221%.
-
Which is a Better Dividend Stock INDB or IBCP?
Independent Bank Corp. (Massachusetts) has a quarterly dividend of $0.59 per share corresponding to a yield of 3.09%. Independent Bank Corp. (Michigan) offers a yield of 3.1% to investors and pays a quarterly dividend of $0.26 per share. Independent Bank Corp. (Massachusetts) pays 50.46% of its earnings as a dividend. Independent Bank Corp. (Michigan) pays out 30.34% 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 INDB or IBCP?
Independent Bank Corp. (Massachusetts) quarterly revenues are $333.5M, which are larger than Independent Bank Corp. (Michigan) quarterly revenues of $81.2M. Independent Bank Corp. (Massachusetts)'s net income of $34.3M is higher than Independent Bank Corp. (Michigan)'s net income of $17.5M. Notably, Independent Bank Corp. (Massachusetts)'s price-to-earnings ratio is 18.45x while Independent Bank Corp. (Michigan)'s PE ratio is 10.30x. 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. (Massachusetts) is 3.13x versus 2.19x for Independent Bank Corp. (Michigan). Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income INDBIndependent Bank Corp. (Massachusetts)3.13x 18.45x $333.5M $34.3M IBCPIndependent Bank Corp. (Michigan)2.19x 10.30x $81.2M $17.5M
-
Which has Higher Returns INDB or PEBO?
Peoples Bancorp, Inc. (Ohio) has a net margin of 10.27% compared to Independent Bank Corp. (Massachusetts)'s net margin of 18.66%. Independent Bank Corp. (Massachusetts)'s return on equity of 5.75% beat Peoples Bancorp, Inc. (Ohio)'s return on equity of 8.84%.
Company Gross Margin Earnings Per Share Invested Capital INDBIndependent Bank Corp. (Massachusetts)-- $0.69 $4.3B PEBOPeoples Bancorp, Inc. (Ohio)-- $0.83 $1.9B -
What do Analysts Say About INDB or PEBO?
Independent Bank Corp. (Massachusetts) has a consensus price target of $83.40, signalling upside risk potential of 10.16%. On the other hand Peoples Bancorp, Inc. (Ohio) has an analysts' consensus of $34.00 which suggests that it could grow by 10.86%. Given that Peoples Bancorp, Inc. (Ohio) has higher upside potential than Independent Bank Corp. (Massachusetts), analysts believe Peoples Bancorp, Inc. (Ohio) is more attractive than Independent Bank Corp. (Massachusetts).
Company Buy Ratings Hold Ratings Sell Ratings INDBIndependent Bank Corp. (Massachusetts)2 2 0 PEBOPeoples Bancorp, Inc. (Ohio)1 5 0 -
Is INDB or PEBO More Risky?
Independent Bank Corp. (Massachusetts) has a beta of 0.808, which suggesting that the stock is 19.211% less volatile than S&P 500. In comparison Peoples Bancorp, Inc. (Ohio) has a beta of 0.670, suggesting its less volatile than the S&P 500 by 33%.
-
Which is a Better Dividend Stock INDB or PEBO?
Independent Bank Corp. (Massachusetts) has a quarterly dividend of $0.59 per share corresponding to a yield of 3.09%. Peoples Bancorp, Inc. (Ohio) offers a yield of 5.32% to investors and pays a quarterly dividend of $0.41 per share. Independent Bank Corp. (Massachusetts) pays 50.46% of its earnings as a dividend. Peoples Bancorp, Inc. (Ohio) pays out 48.1% 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 INDB or PEBO?
Independent Bank Corp. (Massachusetts) quarterly revenues are $333.5M, which are larger than Peoples Bancorp, Inc. (Ohio) quarterly revenues of $156.6M. Independent Bank Corp. (Massachusetts)'s net income of $34.3M is higher than Peoples Bancorp, Inc. (Ohio)'s net income of $29.2M. Notably, Independent Bank Corp. (Massachusetts)'s price-to-earnings ratio is 18.45x while Peoples Bancorp, Inc. (Ohio)'s PE ratio is 10.73x. 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. (Massachusetts) is 3.13x versus 1.76x for Peoples Bancorp, Inc. (Ohio). Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income INDBIndependent Bank Corp. (Massachusetts)3.13x 18.45x $333.5M $34.3M PEBOPeoples Bancorp, Inc. (Ohio)1.76x 10.73x $156.6M $29.2M
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