Independent Bank Valuation
| IBCP Stock | USD 36.63 0.72 2.01% |
At this time, the firm appears to be fairly valued. Independent Bank retains a regular Real Value of $35.71 per share. The prevalent price of the firm is $36.63. Our model calculates the value of Independent Bank from evaluating the firm fundamentals such as Current Valuation of 731.19 M, return on equity of 0.14, and Return On Asset of 0.0126 as well as inspecting its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Independent Bank's valuation include:
Fairly Valued
Today
Please note that Independent Bank's price fluctuation is very steady at this time. Calculation of the real value of Independent Bank is based on 3 months time horizon. Increasing Independent Bank's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Independent Bank's intrinsic value may or may not be the same as its current market price of 36.63, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 36.63 | Real 35.71 | Target 37.6 | Hype 37.21 |
The intrinsic value of Independent Bank's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Independent Bank's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Independent Bank helps investors to forecast how Independent stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Independent Bank more accurately as focusing exclusively on Independent Bank's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Independent Bank's intrinsic value based on its ongoing forecasts of Independent Bank's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Independent Bank's closest peers.
Independent Bank Cash |
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Independent Revenue by Product
Independent Bank Total Value Analysis
Independent Bank is currently forecasted to have valuation of 731.19 M with market capitalization of 757.95 M, debt of 116.87 M, and cash on hands of 70.63 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Independent Bank fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
731.19 M | 757.95 M | 116.87 M | 70.63 M |
Independent Bank Investor Information
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 is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in March.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Total Cash From Operating Activities | 76.3 M | 72.6 M |
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Independent Bank Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Independent Bank has an asset utilization ratio of 5.73 percent. This connotes that the Company is making $0.0573 for each dollar of assets. An increasing asset utilization means that Independent Bank is more efficient with each dollar of assets it utilizes for everyday operations.Independent Bank Profitability Analysis
Taking into consideration Independent Bank's profitability measurements, Independent Bank's profitability may be sliding down. It has an above-average probability of reporting lower numbers next quarter. Profitability indicators assess Independent Bank's ability to earn profits and add value for shareholders.Net Income | First Reported 1986-03-31 | Previous Quarter 17.5 M | Current Value 18.6 M | Quarterly Volatility 11.9 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 0.54 | 0.6961 |
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For Independent Bank profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Independent Bank to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Independent Bank utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Independent Bank's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Independent Bank over time as well as its relative position and ranking within its peers.
Independent Bank Earnings per Share Projection vs Actual
By analyzing Independent Bank's earnings estimates, investors can diagnose different trends across Independent Bank's analyst sentiment over time as well as compare current EPS estimates against different timeframes. Please be aware that the consensus of earnings estimates for Independent Bank is based on EPS before non-recurring items and includes expenses related to employee stock options.Independent Bank Ownership Allocation
Independent Bank has a total of 20.55 Million outstanding shares. The majority of Independent Bank outstanding shares are owned by outside corporations. These institutional investors are usually referred to as non-private investors looking to purchase positions in Independent Bank to benefit from reduced commissions. Consequently, third-party entities are subject to a different set of regulations than regular investors in Independent Bank. Please pay attention to any change in the institutional holdings of Independent Bank as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company holds, if the real value of the firm is less than the current market value, you may not be able to make money on it.Independent Bank Profitability Analysis
The company reported the previous year's revenue of 315.38 M. Net Income was 66.79 M with profit before overhead, payroll, taxes, and interest of 219.52 M.Independent Bank Past Distributions to stockholders
About Independent Bank Valuation
The stock valuation mechanism determines Independent Bank's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of Independent Bank based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of Independent Bank. We calculate exposure to Independent Bank's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Independent Bank's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 219.5 M | 118.9 M | |
| Pretax Profit Margin | 0.26 | 0.27 | |
| Operating Profit Margin | 0.26 | 0.27 | |
| Net Profit Margin | 0.22 | 0.23 | |
| Gross Profit Margin | 0.70 | 0.54 |
A single share of Independent Bank represents a small ownership stake in the entity. As a stockholder of Independent, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Independent Bank Dividends Analysis For Valuation
At this time, Independent Bank's Dividend Yield is relatively stable compared to the past year. As of 02/17/2026, Dividend Payout Ratio is likely to grow to 0.45, though Dividends Paid is likely to grow to (17.1 M). . At this time, Independent Bank's Retained Earnings are relatively stable compared to the past year. As of 02/17/2026, Retained Earnings Total Equity is likely to grow to about 144.1 M, while Earning Assets are likely to drop slightly above 509.9 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -18 M | -17.1 M | |
| Dividend Yield | 0.03 | 0.05 | |
| Dividend Payout Ratio | 0.31 | 0.45 | |
| Dividend Paid And Capex Coverage Ratio | 2.03 | 2.02 |
There are various types of dividends Independent Bank can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Independent shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Independent Bank directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Independent pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Independent Bank by the value of the dividends paid out.
Independent Bank Growth Indicators
Investing in growth stocks can be very risky. If the company such as Independent Bank does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 20.9 M | |
| Quarterly Earnings Growth Y O Y | 0.023 | |
| Forward Price Earnings | 12.0482 |
Independent Bank Current Valuation Indicators
Independent Bank's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Independent Bank's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Independent Bank, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Independent Bank's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Independent Bank's worth.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.