Independent Bank Stock Performance
| IBCP Stock | USD 34.12 0.82 2.35% |
Independent Bank has a performance score of 8 on a scale of 0 to 100. The company retains a Market Volatility (i.e., Beta) of 0.81, which attests to possible diversification benefits within a given portfolio. As returns on the market increase, Independent Bank's returns are expected to increase less than the market. However, during the bear market, the loss of holding Independent Bank is expected to be smaller as well. Independent Bank right now retains a risk of 1.62%. Please check out Independent Bank downside variance, day median price, and the relationship between the treynor ratio and kurtosis , to decide if Independent Bank will be following its current trending patterns.
Risk-Adjusted Performance
Fair
Weak | Strong |
Compared to the overall equity markets, risk-adjusted returns on investments in Independent Bank are ranked lower than 8 (%) of all global equities and portfolios over the last 90 days. Even with relatively fragile fundamental indicators, Independent Bank may actually be approaching a critical reversion point that can send shares even higher in February 2026. ...more
| Independent Bank dividend paid on 14th of November 2025 | 11/14/2025 |
| Begin Period Cash Flow | 169.8 M | |
| Total Cashflows From Investing Activities | -118.2 M | |
| Free Cash Flow | 55.2 M |
Independent | Build AI portfolio with Independent Stock |
Independent Bank Relative Risk vs. Return Landscape
If you would invest 3,075 in Independent Bank on October 30, 2025 and sell it today you would earn a total of 337.00 from holding Independent Bank or generate 10.96% return on investment over 90 days. Independent Bank is currently generating 0.1835% in daily expected returns and assumes 1.623% risk (volatility on return distribution) over the 90 days horizon. In different words, 14% of stocks are less volatile than Independent, and 97% of all traded equity instruments are projected to make higher returns than the company over the 90 days investment horizon. Expected Return |
| Risk |
Independent Bank Target Price Odds to finish over Current Price
The tendency of Independent Stock price to converge on an average value over time is a known aspect in finance that investors have used since the beginning of the stock market for forecasting. However, many studies suggest that some traded equity instruments are consistently mispriced before traders' demand and supply correct the spread. One possible conclusion to this anomaly is that these stocks have additional risk, for which investors demand compensation in the form of extra returns.
| Current Price | Horizon | Target Price | Odds to move above the current price in 90 days |
| 34.12 | 90 days | 34.12 | about 21.51 |
Based on a normal probability distribution, the odds of Independent Bank to move above the current price in 90 days from now is about 21.51 (This Independent Bank probability density function shows the probability of Independent Stock to fall within a particular range of prices over 90 days) .
Given the investment horizon of 90 days Independent Bank has a beta of 0.81. This usually indicates as returns on the market go up, Independent Bank average returns are expected to increase less than the benchmark. However, during the bear market, the loss on holding Independent Bank will be expected to be much smaller as well. Additionally Independent Bank has an alpha of 0.1211, implying that it can generate a 0.12 percent excess return over Dow Jones Industrial after adjusting for the inherited market risk (beta). Independent Bank Price Density |
| Price |
Predictive Modules for Independent Bank
There are currently many different techniques concerning forecasting the market as a whole, as well as predicting future values of individual securities such as Independent Bank. Regardless of method or technology, however, to accurately forecast the stock market is more a matter of luck rather than a particular technique. Nevertheless, trying to predict the stock market accurately is still an essential part of the overall investment decision process. Using different forecasting techniques and comparing the results might improve your chances of accuracy even though unexpected events may often change the market sentiment and impact your forecasting results.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 Risk Indicators
For the most part, the last 10-20 years have been a very volatile time for the stock market. Independent Bank is not an exception. The market had few large corrections towards the Independent Bank's value, including both sudden drops in prices as well as massive rallies. These swings have made and broken many portfolios. An investor can limit the violent swings in their portfolio by implementing a hedging strategy designed to limit downside losses. If you hold Independent Bank, one way to have your portfolio be protected is to always look up for changing volatility and market elasticity of Independent Bank within the framework of very fundamental risk indicators.α | Alpha over Dow Jones | 0.12 | |
β | Beta against Dow Jones | 0.81 | |
σ | Overall volatility | 1.61 | |
Ir | Information ratio | 0.07 |
Independent Bank Alerts and Suggestions
In today's market, stock alerts give investors the competitive edge they need to time the market and increase returns. Checking the ongoing alerts of Independent Bank for significant developments is a great way to find new opportunities for your next move. Suggestions and notifications for Independent Bank can help investors quickly react to important events or material changes in technical or fundamental conditions and significant headlines that can affect investment decisions.| Over 86.0% of the company shares are owned by institutional investors | |
| Latest headline from seekingalpha.com: MetroCity Bankshares declares 0.25 dividend |
Independent Bank Price Density Drivers
Market volatility will typically increase when nervous long traders begin to feel the short-sellers pressure to drive the market lower. The future price of Independent Stock often depends not only on the future outlook of the current and potential Independent Bank's investors but also on the ongoing dynamics between investors with different trading styles. Because the market risk indicators may have small false signals, it is better to identify suitable times to hedge a portfolio using different long/short signals. Independent Bank's indicators that are reflective of the short sentiment are summarized in the table below.
| Common Stock Shares Outstanding | 20.9 M | |
| Cash And Short Term Investments | 548.1 M |
Independent Bank Fundamentals Growth
Independent Stock prices reflect investors' perceptions of the future prospects and financial health of Independent Bank, and Independent Bank fundamentals are critical determinants of its market performance. Overall, investors pay close attention to revenue and earnings growth, profit margins, and debt levels. These fundamentals can have a significant impact on Independent Stock performance.
| Return On Equity | 0.14 | |||
| Return On Asset | 0.0126 | |||
| Profit Margin | 0.31 % | |||
| Operating Margin | 0.38 % | |||
| Current Valuation | 696.46 M | |||
| Shares Outstanding | 20.55 M | |||
| Price To Earning | 7.38 X | |||
| Price To Book | 1.43 X | |||
| Price To Sales | 3.29 X | |||
| Revenue | 315.38 M | |||
| EBITDA | 81.29 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 | |||
| Earnings Per Share | 3.27 X | |||
| Total Asset | 5.51 B | |||
| Retained Earnings | 252.79 M | |||
About Independent Bank Performance
Assessing Independent Bank's fundamental ratios provides investors with valuable insights into Independent Bank's financial health and overall profitability. This information is crucial for making informed investment decisions. A high ROA would indicate that the Independent Bank is effectively leveraging its assets and equity to generate significant profits, making it an appealing investment. Conversely, low Return on Assets could signal underlying management issues in assets and equity, indicating a necessity for operational refinements. Please also refer to our technical analysis and fundamental analysis pages.
Independent Bank Corporation operates as the bank holding company for Independent Bank that provides various banking services to individuals and businesses. Independent Bank Corporation was founded in 1864 and is based in Grand Rapids, Michigan. Independent operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 866 people.Things to note about Independent Bank performance evaluation
Checking the ongoing alerts about Independent Bank for important developments is a great way to find new opportunities for your next move. Stock alerts and notifications screener for Independent Bank help investors to be notified of important events, changes in technical or fundamental conditions, and significant headlines that can affect investment decisions.| Over 86.0% of the company shares are owned by institutional investors | |
| Latest headline from seekingalpha.com: MetroCity Bankshares declares 0.25 dividend |
- Analyzing Independent Bank's financial statements, including its income statement, balance sheet, and cash flow statement, helps in understanding its overall financial health and growth potential.
- Getting a closer look at valuation ratios like price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and price-to-book (P/B) ratio help in understanding whether Independent Bank's stock is overvalued or undervalued compared to its peers.
- Examining Independent Bank's industry or sector and how it is performing can give you an idea of its growth potential and how it is positioned relative to its competitors.
- Evaluating Independent Bank's management team can have a significant impact on its success or failure. Reviewing the track record and experience of Independent Bank's management team can help you assess the Company's leadership.
- Pay attention to analyst opinions and ratings of Independent Bank's stock. These opinions can provide insight into Independent Bank's potential for growth and whether the stock is currently undervalued or overvalued.
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.