Independent Bank Stock Debt To Equity

IBCP Stock

USD 37.72 0.65 1.75%

Independent Bank fundamentals help investors to digest information that contributes to Independent Bank's financial success or failures. It also enables traders to predict the movement of Independent Stock. The fundamental analysis module provides a way to measure Independent Bank's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Independent Bank stock.

		Last Reported	Projected for Next Year
	Debt To Equity	0.32	0.30

As of 11/22/2024, Debt To Equity is likely to drop to 0.30.

This module does not cover all equities due to inconsistencies in global equity categorizations. Continue to Equity Screeners to view more equity screening tools.

Independent Bank Company Debt To Equity Analysis

Independent Bank's Debt to Equity is calculated by dividing the Total Debt of a company by its Equity. If the debt exceeds equity of a company, then the creditors have more stakes in a firm than the stockholders. In other words, Debt to Equity ratio provides analysts with insights about composition of both equity and debt, and its influence on the valuation of the company.

D/E

Total Debt

Total Equity

More About Debt To Equity | All Equity Analysis

Current Independent Bank Debt To Equity

0.14 %

Most of Independent Bank's fundamental indicators, such as Debt To Equity, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Independent Bank is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.

Independent Debt To Equity Driver Correlations

Understanding the fundamental principles of building solid financial models for Independent Bank is extremely important. It helps to project a fair market value of Independent Stock properly, considering its historical fundamentals such as Debt To Equity. Since Independent Bank's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Independent Bank's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Independent Bank's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Total Liab	Total Current Assets	Net Receivables	Short Term Debt	Common Stock	Accounts Payable	Long Term Debt	Intangible Assets	Property Plant Equipment	Good Will	Short Term Investments	Net Tangible Assets	Long Term Debt Total	Long Term Investments	Short Long Term Debt	Earning Assets	Net Invested Capital	Capital Stock
Total Assets		0.91	0.39	0.77	0.55	-0.27	0.88	0.0	0.39	0.78	0.72	0.78	-0.42	0.73	-0.17	0.76	0.88	0.07	0.09	-0.77	0.92	-0.87
Total Stockholder Equity	0.91		0.51	0.73	0.42	-0.14	0.65	0.05	0.59	0.81	0.6	0.61	-0.53	0.72	-0.01	0.94	0.74	0.27	-0.06	-0.71	0.81	-0.72
Net Debt	0.39	0.51		0.64	0.22	-0.26	0.27	0.49	0.19	0.69	0.69	0.48	-0.8	0.57	0.29	0.62	0.46	0.2	-0.08	-0.33	0.47	-0.32
Retained Earnings	0.77	0.73	0.64		0.42	-0.65	0.8	0.0	-0.06	0.8	0.83	0.73	-0.8	0.75	-0.24	0.66	0.87	0.03	0.1	-0.74	0.87	-0.85
Total Liab	0.55	0.42	0.22	0.42		-0.26	0.68	0.25	0.18	0.31	0.4	0.58	-0.11	0.21	-0.68	0.27	0.65	-0.15	-0.31	-0.57	0.38	-0.49
Total Current Assets	-0.27	-0.14	-0.26	-0.65	-0.26		-0.53	0.06	0.55	-0.31	-0.6	-0.34	0.47	-0.32	0.47	-0.05	-0.62	0.16	-0.31	0.34	-0.52	0.61
Net Receivables	0.88	0.65	0.27	0.8	0.68	-0.53		-0.08	-0.01	0.63	0.76	0.8	-0.38	0.6	-0.49	0.45	0.94	-0.14	0.15	-0.76	0.86	-0.91
Short Term Debt	0.0	0.05	0.49	0.0	0.25	0.06	-0.08		0.29	0.11	0.18	0.15	-0.04	-0.02	0.26	0.18	0.01	-0.15	0.07	0.15	-0.06	0.1
Common Stock	0.39	0.59	0.19	-0.06	0.18	0.55	-0.01	0.29		0.38	-0.03	0.21	0.04	0.2	0.34	0.68	0.03	0.21	-0.11	-0.06	0.15	0.06
Accounts Payable	0.78	0.81	0.69	0.8	0.31	-0.31	0.63	0.11	0.38		0.76	0.81	-0.79	0.79	0.06	0.84	0.72	0.01	0.21	-0.55	0.83	-0.61
Long Term Debt	0.72	0.6	0.69	0.83	0.4	-0.6	0.76	0.18	-0.03	0.76		0.8	-0.65	0.8	-0.07	0.53	0.87	0.1	0.15	-0.64	0.86	-0.74
Intangible Assets	0.78	0.61	0.48	0.73	0.58	-0.34	0.8	0.15	0.21	0.81	0.8		-0.49	0.76	-0.19	0.56	0.78	-0.19	0.19	-0.59	0.82	-0.64
Property Plant Equipment	-0.42	-0.53	-0.8	-0.8	-0.11	0.47	-0.38	-0.04	0.04	-0.79	-0.65	-0.49		-0.62	-0.03	-0.61	-0.53	-0.16	-0.01	0.45	-0.58	0.44
Good Will	0.73	0.72	0.57	0.75	0.21	-0.32	0.6	-0.02	0.2	0.79	0.8	0.76	-0.62		0.09	0.66	0.69	0.38	0.03	-0.64	0.87	-0.63
Short Term Investments	-0.17	-0.01	0.29	-0.24	-0.68	0.47	-0.49	0.26	0.34	0.06	-0.07	-0.19	-0.03	0.09		0.19	-0.43	0.21	0.25	0.48	-0.13	0.35
Net Tangible Assets	0.76	0.94	0.62	0.66	0.27	-0.05	0.45	0.18	0.68	0.84	0.53	0.56	-0.61	0.66	0.19		0.57	0.25	-0.01	-0.52	0.68	-0.5
Long Term Debt Total	0.88	0.74	0.46	0.87	0.65	-0.62	0.94	0.01	0.03	0.72	0.87	0.78	-0.53	0.69	-0.43	0.57		0.02	0.04	-0.84	0.9	-0.92
Long Term Investments	0.07	0.27	0.2	0.03	-0.15	0.16	-0.14	-0.15	0.21	0.01	0.1	-0.19	-0.16	0.38	0.21	0.25	0.02		-0.56	-0.26	0.09	0.04
Short Long Term Debt	0.09	-0.06	-0.08	0.1	-0.31	-0.31	0.15	0.07	-0.11	0.21	0.15	0.19	-0.01	0.03	0.25	-0.01	0.04	-0.56		0.36	0.24	-0.17
Earning Assets	-0.77	-0.71	-0.33	-0.74	-0.57	0.34	-0.76	0.15	-0.06	-0.55	-0.64	-0.59	0.45	-0.64	0.48	-0.52	-0.84	-0.26	0.36		-0.73	0.77
Net Invested Capital	0.92	0.81	0.47	0.87	0.38	-0.52	0.86	-0.06	0.15	0.83	0.86	0.82	-0.58	0.87	-0.13	0.68	0.9	0.09	0.24	-0.73		-0.89
Capital Stock	-0.87	-0.72	-0.32	-0.85	-0.49	0.61	-0.91	0.1	0.06	-0.61	-0.74	-0.64	0.44	-0.63	0.35	-0.5	-0.92	0.04	-0.17	0.77	-0.89

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Independent Debt To Equity Historical Pattern

Today, most investors in Independent Bank Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Independent Bank's growth ratios. Consistent increases or drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's debt to equity growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of Independent Bank debt to equity as a starting point in their analysis.

Independent Bank Debt To Equity

Timeline

High Debt to Equity ratio typically indicates that a firm has been borrowing aggressively to finance its growth and as a result may experience a burden of additional interest expense. This may reduce earnings or future growth. On the other hand a small D/E ratio may indicate that a company is not taking enough advantage from financial leverage. Debt to Equity ratio measures how the company is leveraging borrowing against the capital invested by the owners.

Competition

Predict Independent Bank

Debt To Equity Over Time

Independent Total Stockholder Equity

Total Stockholder Equity

424.67 Million

At this time, Independent Bank's Total Stockholder Equity is relatively stable compared to the past year.

According to the company disclosure, Independent Bank has a Debt To Equity of 0.14%. This is 99.57% lower than that of the Banks sector and significantly higher than that of the Financials industry. The debt to equity for all United States stocks is 99.71% higher than that of the company.

Independent Debt To Equity Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Independent Bank's direct or indirect competition against its Debt To Equity to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Independent Bank could also be used in its relative valuation, which is a method of valuing Independent Bank by comparing valuation metrics of similar companies.

Independent Bank is currently under evaluation in debt to equity category among its peers.

Independent Bank ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Independent Bank's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Independent Bank's managers, analysts, and investors.

Environmental

Governance

Social

Independent Fundamentals

	Return On Equity	0.15
	Return On Asset	0.0119
	Profit Margin	0.30 %
	Operating Margin	0.36 %
	Current Valuation	737.81 M
	Shares Outstanding	20.89 M
	Shares Owned By Insiders	4.57 %
	Shares Owned By Institutions	86.55 %
	Number Of Shares Shorted	186.82 K
	Price To Earning	7.38 X
	Price To Book	1.71 X
	Price To Sales	3.79 X
	Revenue	200.79 M
	Gross Profit	206.13 M
	EBITDA	79.42 M
	Net Income	59.07 M
	Cash And Equivalents	70.63 M
	Cash Per Share	3.35 X
	Total Debt	129.26 M
	Debt To Equity	0.14 %
	Book Value Per Share	21.65 X
	Cash Flow From Operations	75.59 M
	Short Ratio	2.16 X
	Earnings Per Share	2.94 X
	Price To Earnings To Growth	2.33 X
	Target Price	36.0
	Number Of Employees	741
	Beta	0.98
	Market Capitalization	788.13 M
	Total Asset	5.28 B
	Retained Earnings	159.11 M
	Annual Yield	0.03 %
	Five Year Return	3.51 %
	Net Asset	5.28 B
	Last Dividend Paid	0.95

About Independent Bank Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Independent Bank's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Independent Bank using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Independent Bank based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

Pair Trading with Independent Bank

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Independent Bank position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Independent Bank will appreciate offsetting losses from the drop in the long position's value.

Moving together with Independent Stock

0.97	AX	Axos Financial	Pair Corr
0.96	BY	Byline Bancorp Fiscal Year End 23rd of January 2025	Pair Corr
0.96	PB	Prosperity Bancshares Fiscal Year End 22nd of January 2025	Pair Corr

Moving against Independent Stock

0.4	CFG-PE	Citizens Financial	Pair Corr
0.37	WF	Woori Financial Group	Pair Corr
0.35	TFC-PO	Truist Financial	Pair Corr
0.35	TFC-PR	Truist Financial	Pair Corr

The ability to find closely correlated positions to Independent Bank could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Independent Bank when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Independent Bank - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Independent Bank to buy it.

The correlation of Independent Bank is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Independent Bank moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Independent Bank moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.

Correlation analysis and pair trading evaluation for Independent Bank can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.

Pair Correlation Correlation Matching

Additional Tools for Independent Stock Analysis

When running Independent Bank's price analysis, check to measure Independent Bank's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Independent Bank is operating at the current time. Most of Independent Bank's value examination focuses on studying past and present price action to predict the probability of Independent Bank's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Independent Bank's price. Additionally, you may evaluate how the addition of Independent Bank to your portfolios can decrease your overall portfolio volatility.

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