IBCP
Independent·NASDAQ
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IBCP fundamentals
Independent (IBCP) released its earnings on Oct 28, 2025: revenue was 57.30M (YoY +11.56%), beat estimates; EPS was 0.84 (YoY +2.44%), met estimates.
Revenue / YoY
57.30M
+11.56%
EPS / YoY
0.84
+2.44%
Report date
Oct 28, 2025
IBCP Earnings Call Summary for Q3,2025
- Strong Earnings Growth: Q3 net income up 27% YoY to $17.5 million, driven by loan growth and expense control.
- Robust Loan Performance: Commercial loans +12.9% annualized, offsetting seasonal mortgage/consumer decline.
- Stable Margin: 3.54% NIM with 6 basis point cost increase, stable outlook for 2026.
- Credit Quality Resilient: 4 basis points annualized net charge-offs, 1.49% allowance ratio.
- Michigan Market Strength: Diversified commercial portfolio, stable economy, automotive sector resilience.
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Key Indicators
Independent (IBCP) key financial stats and ratios, covering profitability, financial health, and leverage.
Independent (IBCP)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Independent (IBCP)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Independent (IBCP)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Independent (IBCP) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Independent (IBCP) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What were the key takeaways from Independent’s earnings call?What guidance did Independent's management provide for the next earnings period?Did Independent beat or miss consensus estimates last quarter?What is the market's earnings forecast for Independent next quarter?What is Independent's latest dividend and current dividend yield?What were the key takeaways from Independent's earnings call?What is the revenue and EPS growth rate for Independent year over year?What is Independent's gross profit margin?
