Independent Bank Corporat...
(IBCP) ✕
AI Score
Our AI model analyzes fundamental, technical, and statistical indicators
to predict the probability of a bullish trend over the next three months.
We regularly update and refine our models to deliver the most reliable forecasts
for you.
Bullish Probability | Sentiment | Score |
---|---|---|
+80% | Strong Buy | 10 |
+75% | Buy | 9 |
+70% | Buy | 8 |
+60% | Buy | 7 |
+50% | Hold | 6 |
+45% | Hold | 5 |
+40% | Hold | 4 |
+35% | Sell | 3 |
+30% | Sell | 2 |
+20% | Strong Sell | 1 |
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34.22
0.20%
After-hours Jan 06, 2025, 04:00 PM EST
Ratios (Annual)
Discover comprehensive ratio statement breakdowns that reveal insights into revenue, expenses, and beyond.
Year | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 | FY10 | FY09 | FY08 | FY07 | FY06 | FY05 | FY04 | FY03 | FY02 | FY01 | FY00 | FY99 | FY98 | FY97 | FY96 | FY95 | FY94 | FY93 | FY92 | FY91 | FY90 | FY89 | FY88 | FY87 | FY86 |
PE Ratio | 9.24 | 7.97 | 8.19 | 7.23 | 11.17 | 12.35 | 23.28 | 20.47 | 17.28 | 16.60 | 2.16 | 1.16 | -0.54 | -0.4 | -0.19 | -0.54 | 20.77 | 17.44 | 13.20 | 17.42 | 16.30 | 13.25 | 14.45 | 12.19 | 20.03 | 14.66 | 20.87 | 12.50 | 10.70 | 10.79 | 8.77 | 9.38 | 7.57 | 4.44 | 6.03 | 8.90 | 6.46 | 7.94 |
PS Ratio | 2.72 | 2.47 | 2.59 | 2.06 | 3.16 | 3.22 | 3.71 | 3.97 | 3.19 | 2.87 | 1.50 | 0.24 | 0.08 | 0.04 | 0.09 | 0.31 | 1.28 | 3.50 | 3.47 | 4.32 | 4.44 | 3.46 | 3.33 | 2.73 | 2.07 | 2.37 | 3.64 | 2.45 | 2.28 | 2.29 | 1.97 | 2.03 | 1.48 | 0.76 | 1.04 | n/a | n/a | n/a |
PB Ratio | 1.35 | 1.45 | 1.29 | 1.04 | 1.48 | 1.45 | 1.80 | 1.87 | 1.38 | 1.20 | 0.72 | 0.23 | 0.11 | 0.06 | 0.16 | 0.25 | 0.89 | 2.24 | 2.49 | 2.92 | 3.78 | 2.83 | 2.67 | 1.90 | 1.53 | 2.14 | 3.12 | 1.91 | 1.55 | 1.61 | 1.31 | 1.42 | 1.03 | 0.52 | 0.71 | n/a | n/a | n/a |
P/FCF Ratio | 7.85 | 5.67 | 4.94 | 7.55 | 17.85 | 11.99 | 13.87 | 22.71 | 17.58 | 34.10 | 3.84 | 1.26 | 0.34 | -0.93 | -0.3 | 2.53 | 28.80 | 64.95 | 17.97 | 12.75 | 4.62 | -16.22 | -13.27 | 8.36 | 4.39 | -16.99 | 80.77 | 12.66 | 10.40 | 7.36 | 8.94 | 34.63 | 4.71 | 4.76 | 5.61 | n/a | n/a | n/a |
P/OCF Ratio | 7.22 | 5.33 | 4.68 | 6.98 | 15.26 | 10.96 | 12.35 | 19.43 | 14.39 | 22.89 | 3.22 | 1.04 | 0.31 | -2.49 | -0.35 | 1.79 | 12.08 | 26.05 | 12.81 | 10.43 | 4.38 | -26.76 | -16.85 | 7.92 | 3.77 | -299 | 25.45 | 8.59 | 8.46 | 6.41 | 6.49 | 22.51 | 4.42 | 3.90 | 3.54 | n/a | n/a | n/a |
OCF/S Ratio | 0.38 | 0.46 | 0.55 | 0.29 | 0.21 | 0.29 | 0.30 | 0.20 | 0.22 | 0.13 | 0.47 | 0.23 | 0.25 | -0.02 | -0.25 | 0.17 | 0.11 | 0.13 | 0.27 | 0.41 | 1.01 | -0.13 | -0.2 | 0.34 | 0.55 | -0.01 | 0.14 | 0.29 | 0.27 | 0.36 | 0.30 | 0.09 | 0.34 | 0.19 | 0.29 | n/a | n/a | n/a |
Debt / Equity Ratio | 0.32 | 0.65 | 0.27 | 0.28 | 0.29 | 0.19 | 0.34 | 0.18 | 0.19 | 0.19 | 0.25 | 0.50 | n/a | n/a | 1.65 | 3.26 | 1.64 | 0.88 | 1.17 | 2.04 | 2.37 | 2.37 | 2.31 | 1.53 | 1.98 | 2.13 | 3.10 | 2.95 | 2.36 | 1.18 | 0.14 | 0.16 | 0.27 | 0.23 | n/a | n/a | n/a | n/a |
Quick Ratio | 0.06 | 17.61 | 1.07 | 1.20 | 24.59 | 283.01 | 110.98 | 2.57 | 74.54 | 70.99 | 391.26 | 55.65 | 311.85 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.03 | 0.04 | 0.04 | 0.03 | 0.03 | 0.06 | 0.03 | n/a | 6.84 | 4.56 | n/a | 5.35 | n/a | n/a | n/a | n/a |
Current Ratio | 0.06 | 16.11 | 1.00 | 1.08 | 21.88 | 283.01 | 110.98 | 2.61 | 75.55 | 72.02 | 396.58 | 56.36 | 311.85 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.03 | 0.04 | 0.04 | 0.03 | 0.03 | 0.06 | 0.03 | n/a | 6.84 | 4.56 | n/a | 5.35 | n/a | n/a | n/a | n/a |
Asset Turnover | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.06 | 0.06 | 0.07 | 0.07 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.06 | 0.05 | 0.06 | 0.05 | 0.05 | 0.06 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.06 | 0.05 | 0.05 | 0.05 | n/a | n/a | n/a |
Interest Coverage | 1.10 | 5.00 | 9.30 | 4.28 | 2.19 | 3.81 | 5.21 | 5.78 | 6.02 | 4.45 | 3.47 | 2.99 | -0.01 | 0.51 | -0.85 | -0.2 | 1.09 | 1.48 | 1.95 | 2.16 | 2.16 | 1.85 | 1.54 | 1.40 | 1.20 | 1.39 | 1.36 | 1.45 | 1.53 | 1.66 | 1.66 | 1.49 | 1.28 | 1.21 | 1.18 | n/a | n/a | n/a |
Return on Equity (ROE) | 0.15 | 0.18 | 0.16 | 0.14 | 0.13 | 0.12 | 0.08 | 0.09 | 0.08 | 0.07 | 0.33 | 0.19 | -0.2 | -0.14 | -0.82 | -0.47 | 0.04 | 0.13 | 0.19 | 0.17 | 0.23 | 0.21 | 0.18 | 0.16 | 0.08 | 0.15 | 0.15 | 0.15 | 0.14 | 0.15 | 0.15 | 0.15 | 0.14 | 0.12 | 0.12 | n/a | n/a | n/a |
Return on Assets (ROA) | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.04 | 0.01 | -0.01 | -0.01 | -0.03 | -0.03 | 0.00 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | n/a | n/a | n/a |
Return on Capital (ROIC) | 0.04 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.02 | -0.00 | 0.01 | -0.01 | -0.01 | 0.03 | 0.04 | 0.04 | 0.03 | 0.04 | 0.04 | 0.64 | 0.65 | 0.54 | -0.12 | 0.62 | 0.52 | 0.58 | 0.04 | 0.04 | 0.06 | 0.06 | 0.07 | 0.07 | n/a | n/a | n/a |
Dividend Yield | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.02 | 0.02 | 0.02 | 0.01 | n/a | n/a | n/a | n/a | 0.20 | 0.16 | 0.09 | 0.03 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.03 | 0.02 | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.04 | 0.09 | 0.07 | n/a | n/a | n/a |
Payout Ratio | 0.33 | 0.29 | 0.29 | 0.31 | 0.36 | 0.35 | 0.44 | 0.32 | 0.29 | 0.23 | n/a | n/a | n/a | n/a | -0.04 | -0.08 | 1.82 | 0.53 | 0.33 | 0.32 | 0.29 | 0.29 | 0.30 | 0.33 | 0.53 | 0.35 | 0.36 | 0.34 | 0.35 | 0.32 | 0.26 | 0.25 | 0.32 | 0.38 | 0.41 | n/a | n/a | n/a |
Gross Profit Margin | 146.91% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | n/a | n/a | n/a |
Net Profit Margin | 29.46% | 30.97% | 31.60% | 28.43% | 28.30% | 26.04% | 15.95% | 19.41% | 18.44% | 17.26% | 69.35% | 20.51% | -14.28% | -10.07% | -45.74% | -57.34% | 6.17% | 20.09% | 26.26% | 24.82% | 27.27% | 26.14% | 23.02% | 22.35% | 10.34% | 16.19% | 17.42% | 19.60% | 21.32% | 21.20% | 22.50% | 21.62% | 19.59% | 17.06% | 17.20% | n/a | n/a | n/a |
Pretax Profit Margin | 36.75% | 38.02% | 38.84% | 35.18% | 35.20% | 32.12% | 29.93% | 28.05% | 27.06% | 24.15% | 20.27% | 20.51% | -14.43% | -11.03% | -47.37% | -55.42% | 5.28% | 27.53% | 36.46% | 33.70% | 37.23% | 36.25% | 31.82% | 30.47% | 14.27% | 22.70% | 24.46% | 27.79% | 29.78% | 29.33% | 31.25% | 30.18% | 27.84% | 23.53% | 21.66% | n/a | n/a | n/a |
Operating Profit Margin | 45.65% | 47.53% | 38.84% | 35.18% | 35.20% | 43.55% | 37.04% | 33.92% | 32.45% | 31.14% | 28.47% | 30.81% | -0.15% | 11.39% | -21.75% | -9.39% | 66.72% | 83.85% | 74.84% | 62.68% | 69.23% | 78.84% | 90.72% | 106.29% | 84.07% | 81.27% | 92.56% | 89.33% | 85.89% | 73.85% | 78.33% | 92.34% | 124.23% | 137.65% | 140.13% | n/a | n/a | n/a |
FCF Margin | 34.70% | 43.48% | 52.41% | 27.23% | 17.70% | 26.84% | 26.76% | 17.50% | 18.13% | 8.40% | 39.10% | 18.87% | 23.22% | -4.28% | -28.98% | 12.25% | 4.45% | 5.40% | 19.29% | 33.93% | 96.18% | -21.36% | -25.06% | 32.58% | 47.21% | -13.97% | 4.50% | 19.35% | 21.94% | 31.10% | 22.08% | 5.86% | 31.44% | 15.88% | 18.47% | n/a | n/a | n/a |
EBITDA Margin | 39.61% | 41.00% | 42.04% | 39.81% | 38.89% | 36.06% | 30.71% | 32.50% | 31.25% | n/a | 26.51% | 27.30% | n/a | 22.73% | -34.31% | -31.49% | n/a | 45.64% | 28.15% | 44.42% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |