Independent Bank Net Income
| IBCP Stock | USD 36.63 0.72 2.01% |
As of the 15th of February 2026, Independent Bank retains the Downside Deviation of 1.2, market risk adjusted performance of (6.01), and Risk Adjusted Performance of 0.1424. Independent Bank technical analysis makes it possible for you to employ historical prices and volume momentum with the intention to determine a pattern that calculates the direction of the firm's future prices.
Independent Bank Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 3.916 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 76.8 M | 80.6 M | |
| Net Income Applicable To Common Shares | 72.9 M | 36.9 M | |
| Net Income From Continuing Ops | 76.8 M | 44.1 M | |
| Net Income Per Share | 3.32 | 2.63 | |
| Net Income Per E B T | 0.84 | 0.67 |
Independent | Net Income | Build AI portfolio with Independent Stock |
Evaluating Independent Bank's Net Income across multiple reporting periods reveals the company's ability to sustain growth and manage resources effectively. This longitudinal analysis highlights inflection points, cyclical patterns, and structural changes that short-term snapshots might miss, offering deeper insight into Independent Bank's fundamental strength.
Latest Independent Bank's Net Income Growth Pattern
Below is the plot of the Net Income of Independent Bank over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Independent Bank financial statement analysis. It represents the amount of money remaining after all of Independent Bank operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Independent Bank's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Independent Bank's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 66.79 M | 10 Years Trend |
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Net Income |
| Timeline |
Independent Net Income Regression Statistics
| Arithmetic Mean | 41,248,474 | |
| Coefficient Of Variation | 67.86 | |
| Mean Deviation | 23,702,563 | |
| Median | 46,435,000 | |
| Standard Deviation | 27,990,096 | |
| Sample Variance | 783.4T | |
| Range | 97.7M | |
| R-Value | 0.77 | |
| Mean Square Error | 341.1T | |
| R-Squared | 0.59 | |
| Significance | 0.0003 | |
| Slope | 4,264,116 | |
| Total Sum of Squares | 12535.1T |
Independent Net Income History
Other Fundumenentals of Independent Bank
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Independent Bank Net Income component correlations
Independent Net Income 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 Net Income. 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.
Click cells to compare fundamentals
Can Regional Banks industry sustain growth momentum? Does Independent have expansion opportunities? Factors like these will boost the valuation of Independent Bank. Market participants price Independent higher when confident in its future expansion prospects. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Independent Bank demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.023 | Dividend Share 1.04 | Earnings Share 3.27 | Revenue Per Share | Quarterly Revenue Growth (0.06) |
Understanding Independent Bank requires distinguishing between market price and book value, where the latter reflects Independent's accounting equity. The concept of intrinsic value - what Independent Bank's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Market sentiment, economic cycles, and investor behavior can push Independent Bank's price substantially above or below its fundamental value.
Please note, there is a significant difference between Independent Bank's value and its price as these two are different measures arrived at by different means. Investors typically determine if Independent Bank is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. In contrast, Independent Bank's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.
Independent Bank 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Independent Bank's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Independent Bank.
| 11/17/2025 |
| 02/15/2026 |
If you would invest 0.00 in Independent Bank on November 17, 2025 and sell it all today you would earn a total of 0.00 from holding Independent Bank or generate 0.0% return on investment in Independent Bank over 90 days. Independent Bank is related to or competes with Great Southern, First Financial, South Plains, Camden National, MetroCity Bankshares, Southern Missouri, and Orrstown Financial. Independent Bank Corporation operates as the bank holding company for Independent Bank that provides various banking ser... More
Independent Bank Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Independent Bank's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Independent Bank upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.2 | |||
| Information Ratio | 0.1266 | |||
| Maximum Drawdown | 7.82 | |||
| Value At Risk | (1.94) | |||
| Potential Upside | 2.76 |
Independent Bank Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Independent Bank's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Independent Bank's standard deviation. In reality, there are many statistical measures that can use Independent Bank historical prices to predict the future Independent Bank's volatility.| Risk Adjusted Performance | 0.1424 | |||
| Jensen Alpha | 0.2646 | |||
| Total Risk Alpha | 0.1434 | |||
| Sortino Ratio | 0.1687 | |||
| Treynor Ratio | (6.02) |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of Independent Bank's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
Independent Bank February 15, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1424 | |||
| Market Risk Adjusted Performance | (6.01) | |||
| Mean Deviation | 1.18 | |||
| Semi Deviation | 0.8992 | |||
| Downside Deviation | 1.2 | |||
| Coefficient Of Variation | 586.87 | |||
| Standard Deviation | 1.6 | |||
| Variance | 2.55 | |||
| Information Ratio | 0.1266 | |||
| Jensen Alpha | 0.2646 | |||
| Total Risk Alpha | 0.1434 | |||
| Sortino Ratio | 0.1687 | |||
| Treynor Ratio | (6.02) | |||
| Maximum Drawdown | 7.82 | |||
| Value At Risk | (1.94) | |||
| Potential Upside | 2.76 | |||
| Downside Variance | 1.43 | |||
| Semi Variance | 0.8086 | |||
| Expected Short fall | (1.54) | |||
| Skewness | 0.819 | |||
| Kurtosis | 1.28 |
Independent Bank Backtested Returns
Independent Bank appears to be very steady, given 3 months investment horizon. Independent Bank holds Efficiency (Sharpe) Ratio of 0.21, which attests that the entity had a 0.21 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Independent Bank, which you can use to evaluate the volatility of the firm. Please utilize Independent Bank's Market Risk Adjusted Performance of (6.01), downside deviation of 1.2, and Risk Adjusted Performance of 0.1424 to validate if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Independent Bank holds a performance score of 16. The company retains a Market Volatility (i.e., Beta) of -0.0435, which attests to not very significant fluctuations relative to the market. As returns on the market increase, returns on owning Independent Bank are expected to decrease at a much lower rate. During the bear market, Independent Bank is likely to outperform the market. Please check Independent Bank's downside variance, day median price, and the relationship between the treynor ratio and kurtosis , to make a quick decision on whether Independent Bank's current trending patterns will revert.
Auto-correlation | 0.44 |
Average predictability
Independent Bank has average predictability. Overlapping area represents the amount of predictability between Independent Bank time series from 17th of November 2025 to 1st of January 2026 and 1st of January 2026 to 15th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Independent Bank price movement. The serial correlation of 0.44 indicates that just about 44.0% of current Independent Bank price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.44 | |
| Spearman Rank Test | 0.27 | |
| Residual Average | 0.0 | |
| Price Variance | 2.25 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Independent Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Independent Bank reported net income of 66.79 M. This is 94.77% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 88.3% higher than that of the company.
Independent Net Income 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 Net Income 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 net income 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 Bank Institutional Holders
Institutional Holdings refers to the ownership stake in Independent Bank that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Independent Bank's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Independent Bank's value.| Shares | Manufacturers Life Insurance Co | 2025-06-30 | 397.1 K | Nuveen, Llc | 2025-06-30 | 361.7 K | Pl Capital Advisors, Llc | 2025-06-30 | 319 K | Allspring Global Investments Holdings, Llc | 2025-06-30 | 300.4 K | Principal Financial Group Inc | 2025-06-30 | 298.7 K | Millennium Management Llc | 2025-06-30 | 242.6 K | Goldman Sachs Group Inc | 2025-06-30 | 236.9 K | Foundry Partners, Llc | 2025-03-31 | 211.8 K | Northern Trust Corp | 2025-06-30 | 210.6 K | Blackrock Inc | 2025-06-30 | 3 M | Vanguard Group Inc | 2025-06-30 | 1.4 M |
Independent Fundamentals
| Return On Equity | 0.14 | ||||
| Return On Asset | 0.0126 | ||||
| Profit Margin | 0.31 % | ||||
| Operating Margin | 0.38 % | ||||
| Current Valuation | 731.19 M | ||||
| Shares Outstanding | 20.55 M | ||||
| Shares Owned By Insiders | 5.15 % | ||||
| Shares Owned By Institutions | 86.10 % | ||||
| Number Of Shares Shorted | 164.9 K | ||||
| Price To Earning | 7.38 X | ||||
| Price To Book | 1.47 X | ||||
| Price To Sales | 3.45 X | ||||
| Revenue | 315.38 M | ||||
| Gross Profit | 219.52 M | ||||
| EBITDA | 81.29 M | ||||
| Net Income | 66.79 M | ||||
| Cash And Equivalents | 70.63 M | ||||
| Cash Per Share | 3.35 X | ||||
| Total Debt | 116.87 M | ||||
| Debt To Equity | 0.14 % | ||||
| Book Value Per Share | 24.48 X | ||||
| Cash Flow From Operations | 63.15 M | ||||
| Short Ratio | 1.31 X | ||||
| Earnings Per Share | 3.27 X | ||||
| Price To Earnings To Growth | 2.33 X | ||||
| Target Price | 37.6 | ||||
| Number Of Employees | 732 | ||||
| Beta | 0.78 | ||||
| Market Capitalization | 757.95 M | ||||
| Total Asset | 5.51 B | ||||
| Retained Earnings | 252.79 M | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 3.51 % | ||||
| Net Asset | 5.51 B | ||||
| Last Dividend Paid | 1.04 |
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
| 0.78 | BNPH | BNP PARIBAS ADR | PairCorr |
| 0.68 | BIRG | Bank of Ireland | PairCorr |
| 0.79 | AX | Axos Financial | PairCorr |
| 0.9 | BY | Byline Bancorp | PairCorr |
Moving against Independent Stock
| 0.72 | 3YB | Postal Savings Bank | PairCorr |
| 0.4 | ICBA | ICICI Bank Limited | PairCorr |
| 0.35 | C3B | Chongqing Rural Comm | PairCorr |
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.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.