Independent Bank Stock Analysis

Independent Stock Analysis Notes

About 86.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 1.5. Some equities with similar Price to Book (P/B) outperform the market in the long run. Independent Bank has Price/Earnings To Growth (PEG) ratio of 2.33. The entity last dividend was issued on the 3rd of February 2026. The firm had 1:10 split on the 1st of September 2010. 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. To learn more about Independent Bank call CPA CPA at 616 363 1207 or check out https://www.independentbank.com.

Independent Bank Investment Alerts

Independent Largest EPS Surprises

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Independent Bank Environmental, Social, and Governance (ESG) Scores

Independent Stock Institutional Investors

Note, although Independent Bank's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Independent Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 751.74 M.

Independent Profitablity

The company has Profit Margin (PM) of 0.31 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.38 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.38.

Management Efficiency

Independent Bank has return on total asset (ROA) of 0.0126 % which means that it generated a profit of $0.0126 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1432 %, meaning that it created $0.1432 on every $100 dollars invested by stockholders. Independent Bank's management efficiency ratios could be used to measure how well Independent Bank manages its routine affairs as well as how well it operates its assets and liabilities. As of 02/19/2026, Return On Tangible Assets is likely to drop to 0.01. In addition to that, Return On Capital Employed is likely to drop to 0.02. At this time, Independent Bank's Total Current Liabilities is relatively stable compared to the past year. As of 02/19/2026, Liabilities And Stockholders Equity is likely to grow to about 5.8 B, while Non Current Liabilities Total is likely to drop slightly above 199.8 M.

Technical Drivers

As of the 19th of February, Independent Bank retains the Risk Adjusted Performance of 0.1668, market risk adjusted performance of (1.52), and Downside Deviation of 1.08. 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 Price Movement Analysis

Independent Bank Insider Trading Activities

Independent Bank Outstanding Bonds

Independent Bank Predictive Daily Indicators

Independent Bank Corporate Filings

Independent Bank Forecast Models

Independent Bank's time-series forecasting models are one of many Independent Bank's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Independent Bank's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

Independent Bank Bond Ratings

Independent Bank financial ratings play a critical role in determining how much Independent Bank have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for Independent Bank's borrowing costs.

Independent Bank Debt to Cash Allocation

Independent Bank currently holds 116.87 M in liabilities with Debt to Equity (D/E) ratio of 0.14, which may suggest the company is not taking enough advantage from borrowing. Note, when we think about Independent Bank's use of debt, we should always consider it together with its cash and equity.

Independent Bank Common Stock Shares Outstanding Over Time

Independent Bank Assets Financed by Debt

The debt-to-assets ratio shows the degree to which Independent Bank uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

Independent Bank Debt Ratio

2.02

It seems most of the Independent Bank's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Independent Bank's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Independent Bank, which in turn will lower the firm's financial flexibility.

Independent Bank Corporate Bonds Issued

Independent Net Debt

Stock analysis is the technique used by a trader or investor to examine and evaluate how Independent Bank prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Independent shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Independent Bank. By using and applying Independent Stock analysis, traders can create a robust methodology for identifying Independent entry and exit points for their positions.

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Independent analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Independent analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.

Independent Bank stock analysis indicators help investors evaluate how Independent Bank stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Independent Bank shares will generate the highest return on investment. By understating and applying Independent Bank stock analysis, traders can identify Independent Bank position entry and exit signals to maximize returns.

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.