IBCP
Independent·NASDAQ
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IBCP fundamentals
Independent (IBCP) released its earnings on Jan 22, 2026: revenue was 58.31M (YoY -5.91%), missed estimates; EPS was 0.81 (YoY +28.57%), missed estimates.
Revenue / YoY
58.31M
-5.91%
EPS / YoY
0.81
+28.57%
Report date
Jan 22, 2026
IBCP Earnings Call Summary for Q4,2025
- Strong Financial Performance: Q4 net income up 2.3% YoY, full year +2.6%. NIM expanded 17bps YoY to 3.62%.
- Loan Growth Momentum: Commercial loans +14.2% YoY, targeting 4.5-5.5% overall growth in 2026.
- Margin Expansion: 18-23bps YoY NIM expansion driven by deposit beta and asset repricing.
- Strategic Initiatives: Adding 4-5 bankers in 2026, MSR portfolio runoff to fund loans, no M&A activity modeled.
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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 is Independent's gross profit margin?Did Independent beat or miss consensus estimates last quarter?What does Independent do and what are its main business segments?What is Independent's latest dividend and current dividend yield?What guidance did Independent's management provide for the next earnings period?What factors drove the changes in Independent's revenue and profit?What is the market's earnings forecast for Independent next quarter?What were the key takeaways from Independent’s earnings call?
