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Independent Bank Corporation IBCP | NASDAQ

$35.29 $0.53 | 1.52%

TREND SIGNAL: Signal available — unlock to view

Signal available — unlock to view

|2026-08-26

Next Earnings: Oct 27, 2026

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Company Overview:

Market Cap: $727.06M

Trailing PE: 10.3x

FWD PE *: 9.4x

Payout Ratio (TTM): 31.1%

52-Week Range: $29.83 - $39.24

* Forward PE is based on street estimates.

10 Year IBCP Performance Metrics:

Total Return (with DRIP): 199.5% (11.59% CAGR)

Total Return (no DRIP): 161.0% (10.07% CAGR)

Share Price: 112.2% (7.81% CAGR)

Yield on Cost (with DRIP): 9.51%

Total Invested: $10,000

Total Value (with DRIP): $29,951

Total Return $ (with DRIP): $19,951

Dividend Increase: 180.0% (11.14% CAGR)

Dividend Yield (FWD): 3.17% ($1.12)

IBCP 10-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

IBCP Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

IBCP Price CAGR:1Y: 11.43%2Y: 1.70%5Y: 9.97%10Y: 7.85%

IBCP Dividend Charts

IBCP - Dividends

IBCP Dividend CAGR:1Y: 6.12%2Y: 7.07%5Y: 5.63%10Y: 10.85%

IBCP - Dividend Payout Ratio

IBCP Dividend Payout Ratio CAGR:1Y: -3.91%2Y: 6.44%5Y: -3.64%10Y: 1.50%

IBCP - Dividend to Free Cash Flow Ratio

IBCP Dividend to FCF Ratio CAGR:1Y: -30.14%2Y: -44.01%5Y: 8.43%10Y: 1.71%

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IBCP Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

IBCP - Revenue

IBCP Revenue CAGR:1Y: 8.25%2Y: 1.79%5Y: 12.33%10Y: 10.73%

IBCP - Earnings Per Share (EPS)

IBCP EPS CAGR:1Y: 11.11%2Y: 1.13%5Y: 9.95%10Y: 11.61%

IBCP - Net Income

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IBCP Net Income CAGR:1Y: 11.42%2Y: 0.74%5Y: 8.71%10Y: 11.31%

IBCP - EBITDA

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IBCP EBITDA CAGR:1Y: 8.73%2Y: -1.12%5Y: 6.67%10Y: 9.37%

IBCP - Free Cash Flow

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IBCP Free Cash Flow CAGR:1Y: 53.27%2Y: 91.52%5Y: -3.39%10Y: 11.10%

IBCP - Free Cash Flow / Share

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IBCP Free Cash Flow / Share CAGR:1Y: 54.36%2Y: 92.90%5Y: -2.34%10Y: 11.46%

IBCP - Operating Income

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IBCP Operating Income CAGR:1Y: 9.83%2Y: -0.99%5Y: 8.57%10Y: 9.64%

IBCP - Gross Profit

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IBCP Gross Profit CAGR:1Y: 14.26%2Y: 5.02%5Y: 5.87%10Y: 7.67%

IBCP - Shares Outstanding

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IBCP Shares Outstanding CAGR:1Y: -0.66%2Y: -0.71%5Y: -1.08%10Y: -0.39%

IBCP - Share Buybacks

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IBCP Share Buybacks CAGR:1Y: -81.05%2Y: 0.00%5Y: -17.74%10Y: 0.00%

IBCP - Stock-Based Comp

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IBCP Stock-Based Comp CAGR:1Y: 113.30%2Y: 53.43%5Y: 21.97%10Y: 12.63%

IBCP - Expenses

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IBCP Expenses CAGR:1Y: 102.24%2Y: 61.23%5Y: 32.37%10Y: 28.38%

IBCP - Revenue vs Net Income

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IBCP - EPS vs FCF / Share

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IBCP - EPS vs PE Ratio

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IBCP - FCF vs FCF / Share

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IBCP - FCF vs Stock Based Comp

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IBCP - Cash & Debt

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IBCP - Revenue by Segment

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IBCP Revenue CAGR:1Y: 8.25%2Y: 1.79%5Y: 12.33%10Y: 10.73%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

IBCP - REVENUE: Actual + Estimates

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IBCP Actual Revenue CAGR:1Y: 8.25%2Y: 1.79%5Y: 12.33%10Y: 10.73%

IBCP - EPS: Actual + Estimates

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IBCP Actual EPS CAGR:1Y: 11.11%2Y: 1.13%5Y: 9.95%10Y: 11.61%

IBCP - NET INCOME: Actual + Estimates

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IBCP Actual Net Income CAGR:1Y: 11.42%2Y: 0.74%5Y: 8.71%10Y: 11.31%

IBCP - EBITDA: Actual + Estimates

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IBCP Actual EBITDA CAGR:1Y: 8.73%2Y: -1.12%5Y: 6.67%10Y: 9.37%

Ratios, Profit Margins & Return on Capital:

IBCP - Net Profit Margin

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IBCP Net Profit Margin CAGR:1Y: 2.94%2Y: -1.02%5Y: -3.22%10Y: 0.52%

IBCP - Gross Profit Margin

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IBCP Gross Profit Margin CAGR:1Y: 5.55%2Y: 3.17%5Y: -5.75%10Y: -2.77%

IBCP - Price to Earnings

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IBCP Price to Earnings CAGR:1Y: -0.94%2Y: 15.68%5Y: 0.80%10Y: -1.97%

IBCP - Price To Sales Ratio

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IBCP Price To Sales Ratio CAGR:1Y: 2.09%2Y: 14.10%5Y: -2.52%10Y: -1.40%

IBCP - Return on Capital Employed

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IBCP Return on Capital Employed CAGR:1Y: 23.57%2Y: -1.84%5Y: 2.45%10Y: 0.95%

IBCP - Return on Invested Capital

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IBCP Return on Invested Capital CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

IBCP Dividends Info:

Annual Dividend: $1.12

Forward Yield: 3.17%

Ex-Dividend Date: 2026-08-04

Lifetime Dividends / Share: $71.31

IBCP Dividend History: Dates, Payments & Yield list

Below is a schedule of all IBCP dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
08/04/2026	08/14/2026	$0.280	2.91%	2.92%	$38.31
05/04/2026	05/14/2026	$0.280	3.39%	3.36%	$33.31
02/03/2026	02/13/2026	$0.280	3.08%	3.06%	$36.63
11/04/2025	11/14/2025	$0.260	3.44%	3.35%	$31.07
08/05/2025	08/15/2025	$0.260	3.44%	3.37%	$30.85
05/05/2025	05/15/2025	$0.260	3.32%	3.17%	$32.78
02/04/2025	02/14/2025	$0.260	2.88%	2.96%	$35.11
11/05/2024	11/15/2024	$0.240	2.89%	2.54%	$37.74
08/05/2024	08/15/2024	$0.240	3.08%	2.95%	$32.53
05/02/2024	05/13/2024	$0.240	3.83%	3.72%	$25.84
02/02/2024	02/15/2024	$0.240	3.87%	3.77%	$25.48
11/02/2023	11/13/2023	$0.230	4.53%	4.4%	$20.89
08/03/2023	08/14/2023	$0.230	4.45%	4.49%	$20.48
05/04/2023	05/15/2023	$0.230	5.87%	5.76%	$15.98
02/15/2023	02/24/2023	$0.230	4.06%	4.14%	$22.24
11/03/2022	11/14/2022	$0.220	3.93%	3.59%	$24.53
08/04/2022	08/16/2022	$0.220	4.32%	4.05%	$21.71
05/04/2022	05/16/2022	$0.220	4.31%	4.6%	$19.12
02/03/2022	02/15/2022	$0.220	3.63%	3.63%	$24.23
11/04/2021	11/15/2021	$0.210	3.61%	3.55%	$23.68
08/05/2021	08/16/2021	$0.210	4.03%	3.96%	$21.23
05/04/2021	05/14/2021	$0.210	3.54%	3.54%	$23.73
02/04/2021	02/16/2021	$0.210	4.11%	4.08%	$20.58
11/04/2020	11/16/2020	$0.200	5.41%	4.47%	$17.90
08/03/2020	08/14/2020	$0.200	5.79%	5.23%	$15.29
05/04/2020	05/15/2020	$0.200	5.61%	6.77%	$11.82
02/04/2020	02/14/2020	$0.200	3.66%	3.63%	$22.06
11/05/2019	11/15/2019	$0.180	3.13%	3.18%	$22.67
08/05/2019	08/15/2019	$0.180	3.61%	3.7%	$19.48
05/03/2019	05/15/2019	$0.180	3.29%	3.36%	$21.42
02/04/2019	02/15/2019	$0.180	3.23%	3.14%	$22.90
11/02/2018	11/15/2018	$0.150	2.64%	2.62%	$22.89
08/03/2018	08/15/2018	$0.150	2.45%	2.42%	$24.75
05/04/2018	05/15/2018	$0.150	2.54%	2.45%	$24.50
02/06/2018	02/15/2018	$0.150	2.64%	2.58%	$23.30
11/03/2017	11/15/2017	$0.120	2.11%	2.19%	$21.90
08/03/2017	08/15/2017	$0.100	1.93%	1.92%	$20.80
05/04/2017	05/15/2017	$0.100	1.8%	1.86%	$21.55
02/06/2017	02/15/2017	$0.100	1.87%	1.86%	$21.55
11/03/2016	11/15/2016	$0.100	2.4%	2.14%	$18.65
08/04/2016	08/15/2016	$0.080	2.03%	1.97%	$16.27
05/04/2016	05/16/2016	$0.080	2.17%	2.17%	$14.72
02/03/2016	02/16/2016	$0.080	2.15%	2.21%	$14.51
11/05/2015	11/16/2015	$0.080	2.18%	2.11%	$15.18
08/05/2015	08/17/2015	$0.060	0.42%	0.41%	$14.77
05/01/2015	05/15/2015	$0.060	0.45%	0.45%	$13.30
02/04/2015	02/17/2015	$0.060	0.48%	0.46%	$13.03
11/05/2014	11/17/2014	$0.060	0.49%	0.5%	$11.93
08/01/2014	08/15/2014	$0.060	0.46%	0.5%	$12.08
04/28/2014	05/15/2014	$0.060	0.47%	0.48%	$12.50
10/01/2009	10/30/2009	$0.100	2.53%	3.39%	$11.80
07/01/2009	07/31/2009	$0.100	3.36%	2.29%	$17.50
04/02/2009	04/30/2009	$0.100	1.79%	2.22%	$18.00
12/31/2008	01/30/2009	$0.100	1.85%	2.52%	$15.90
10/02/2008	10/31/2008	$0.100	0.58%	1.09%	$36.70
07/02/2008	07/31/2008	$0.100	1.08%	0.79%	$50.70
04/02/2008	04/30/2008	$1.100	4.06%	5.51%	$79.80
01/02/2008	01/31/2008	$2.100	9.3%	6.03%	$139.20
10/03/2007	10/31/2007	$2.100	7.55%	7.95%	$105.60
07/02/2007	07/31/2007	$2.100	4.95%	6.93%	$121.20
04/03/2007	04/30/2007	$2.100	4.22%	5.09%	$165.00
01/03/2007	01/31/2007	$2.000	3.19%	3.62%	$220.70
10/03/2006	10/31/2006	$1.900	3.15%	3.18%	$239.00
06/30/2006	07/31/2006	$1.905	3.04%	3.12%	$243.90
04/03/2006	04/28/2006	$1.905	2.78%	2.93%	$260.00
01/03/2006	01/31/2006	$1.810	2.77%	2.75%	$263.05
10/03/2005	10/31/2005	$1.810	2.64%	2.66%	$272.29
06/30/2005	07/29/2005	$1.723	2.67%	2.46%	$280.09
04/01/2005	04/29/2005	$1.723	2.68%	2.78%	$247.80
01/03/2005	01/31/2005	$1.542	2.35%	2.21%	$279.09
10/01/2004	10/29/2004	$1.542	2.51%	2.5%	$246.44
07/01/2004	07/30/2004	$1.451	2.57%	2.5%	$232.02
04/01/2004	04/30/2004	$0.160	0.26%	0.28%	$227.03
12/31/2003	01/30/2004	$1.451	2.26%	2.32%	$250.61
10/02/2003	10/31/2003	$1.451	2.29%	2.21%	$262.40
07/01/2003	07/31/2003	$1.319	2.48%	2.34%	$225.60
04/02/2003	04/30/2003	$1.154	2.76%	2.34%	$197.24
01/02/2003	01/31/2003	$1.154	2.73%	2.68%	$172.09
10/02/2002	10/31/2002	$0.989	2.16%	2.24%	$176.74
07/02/2002	07/31/2002	$0.942	2.33%	2.33%	$161.83
04/03/2002	04/30/2002	$0.942	2.44%	2.31%	$163.45
01/03/2002	01/31/2002	$0.942	2.61%	2.4%	$156.80
10/03/2001	10/31/2001	$0.838	2.49%	2.35%	$142.51
07/02/2001	07/31/2001	$0.798	2.72%	2.46%	$129.64
04/03/2001	04/30/2001	$0.798	3.26%	3.05%	$104.71
01/03/2001	01/31/2001	$0.748	3.08%	2.96%	$100.97
10/03/2000	10/31/2000	$0.748	3.52%	3.4%	$88.04
06/30/2000	07/28/2000	$0.712	4.42%	3.9%	$73.01
04/03/2000	04/28/2000	$0.712	4.53%	4.44%	$64.11
01/03/2000	01/31/2000	$0.665	4.05%	4%	$66.48
10/01/1999	11/01/1999	$0.665	3.86%	3.61%	$73.60
06/30/1999	07/30/1999	$0.633	3.22%	3.17%	$79.99
03/31/1999	04/30/1999	$0.633	3.51%	3.34%	$75.75
12/31/1998	01/29/1999	$0.588	2.57%	2.68%	$87.62
10/01/1998	10/05/1998	$0.130	0.6%	0.57%	$90.45
06/30/1998	07/31/1998	$0.373	1.18%	1.26%	$118.18
04/02/1998	04/30/1998	$0.560	1.96%	1.98%	$113.06
12/31/1997	01/30/1998	$0.531	1.83%	1.85%	$114.86
10/01/1997	10/31/1997	$0.531	2.36%	2.29%	$92.60
07/01/1997	07/31/1997	$0.506	2.6%	2.39%	$84.78
04/02/1997	04/30/1997	$0.337	1.94%	1.89%	$71.56
01/02/1997	01/31/1997	$0.474	3.08%	3.08%	$61.53
10/02/1996	10/31/1996	$0.474	3.56%	3.47%	$54.69
07/02/1996	07/31/1996	$0.451	3.56%	3.59%	$50.35
04/02/1996	04/30/1996	$0.451	3.77%	3.62%	$49.92
01/03/1996	01/31/1996	$0.417	3.49%	3.66%	$45.58
10/03/1995	10/31/1995	$0.417	3.51%	3.51%	$47.53
07/03/1995	07/31/1995	$0.417	3.69%	3.88%	$42.99
03/30/1995	04/28/1995	$0.417	4.03%	4.11%	$40.51
12/29/1994	01/31/1995	$0.347	3.54%	3.33%	$41.67
09/29/1994	10/31/1994	$0.347	3.65%	3.61%	$38.45
06/28/1994	07/29/1994	$0.347	3.78%	3.78%	$36.79
03/29/1994	04/29/1994	$0.347	4.25%	4.2%	$33.07
12/30/1993	01/31/1994	$0.260	3.15%	3.15%	$33.07
09/29/1993	10/29/1993	$0.260	3.11%	3.19%	$32.66
06/29/1993	07/30/1993	$0.260	3.14%	3.19%	$32.66
03/30/1993	04/30/1993	$0.260	2.75%	3.05%	$34.11
12/29/1992	01/29/1993	$0.226	2.93%	2.84%	$31.83
09/29/1992	10/30/1992	$0.226	3.58%	3.21%	$28.11
06/29/1992	07/31/1992	$0.226	3.61%	3.36%	$26.87
03/31/1992	04/30/1992	$0.226	3.77%	3.77%	$23.98
12/30/1991	01/31/1992	$0.200	4.39%	3.79%	$21.08
09/30/1991	10/31/1991	$0.200	4.71%	4.49%	$17.78
06/28/1991	07/31/1991	$0.200	5.52%	5.08%	$15.71
04/01/1991	04/03/1991	$0.200	5.52%	5.86%	$13.64
12/28/1990	12/31/1990	$0.109	3.92%	3.92%	$11.16
10/01/1990	10/31/1990	$0.191	6.85%	7.11%	$10.75
06/28/1990	07/31/1990	$0.191	6.16%	6.07%	$12.59
03/30/1990	04/30/1990	$0.191	5.87%	6.16%	$12.40
12/29/1989	01/31/1990	$0.191	5.36%	5.18%	$14.76
09/29/1989	10/31/1989	$0.191	5.06%	5.13%	$14.88
06/28/1989	07/31/1989	$0.191	5.43%	4.93%	$15.50
03/30/1989	04/28/1989	$0.191	5.48%	5.6%	$13.64
12/29/1988	01/31/1989	$0.174	4.87%	4.8%	$14.47
09/29/1988	10/31/1988	$0.217	6.77%	6.36%	$13.64
06/28/1988	08/01/1988	$0.174	5.6%	5.69%	$12.20
04/04/1988	05/02/1988	$0.174	6%	5.72%	$12.15
01/04/1988	02/01/1988	$0.174	6%	6%	$11.58
10/05/1987	10/20/1987	$0.217	6.36%	7%	$12.40
07/06/1987	07/20/1987	$0.174	4.8%	4.94%	$14.06
04/06/1987	04/20/1987	$0.174	4.31%	4.54%	$15.30
01/05/1987	01/20/1987	$0.174	4.76%	5.25%	$13.23
10/06/1986	10/08/1986	$0.025	0.63%	0.6%	$16.50
07/03/1986	07/07/1986	$0.100	2.42%	2.42%	$16.50
04/04/1986	04/07/1986	$0.100	2.15%	2.15%	$18.60
01/06/1986	01/08/1986	$0.100	2.35%	2.35%	$16.95
10/04/1985	10/07/1985	$0.019	0.66%	0.67%	$11.58

Projected Future Returns & Dividends for IBCP

Based on past 10-year performance, here are IBCP growth metrics:

Share price CAGR of +7.85%
Dividend CAGR of +10.85%

Using IBCP CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	IBCP (DRIP)	IBCP - No DRIP
Current Price	$35.29	$35.29
Start Shares	283.37	283.37
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	405.58	283.37
Dividends Payment	$0.78	$0.78
Annual Dividends	$1,272	$889
Yield on cost	12.72%	8.89%
Share Price	$75.11	$75.11
Total Dividends	$6,446	$5,268
Final Value	$30,464	$26,553

Estimated Future Value + Dividends - IBCP

NOTE: Above numbers are our estimate based on IBCP's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Independent Bank Corporation (IBCP) had its IPO on 1985-09-04, and is traded on NASDAQ stock exchange.

As the holding company for Independent Bank, Independent Bank Corporation provides diverse banking services to both individual consumers and businesses. Its comprehensive suite of offerings includes checking and savings accounts, commercial lending, direct and indirect consumer financing, and mortgage solutions, along with safe deposit boxes. Customers also benefit from accessible automatic teller machines, internet banking, and mobile banking capabilities. The company further diversifies its portfolio with title insurance, insurance brokerage, and investment services. Headquartered in Grand Rapids, Michigan, and founded in 1864, Independent Bank Corporation reaches its clientele through roughly 59 branches, two drive-through facilities, and seven loan production offices across Michigan, in addition to two loan production offices in Ohio.

IBCP website: https://www.independentbank.com

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DCF Model — IBCP

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

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vs current price $35.29

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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

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grows for the next years

Then mature

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every future dollar counted back to today

Pile of today-dollars

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÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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