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.
EPS
Actual | 0.42 | 0.77 | 0.93 | 0.77 | 0.78 | 0.65 | 0.75 | 0.58 | 0.53 | 0.5 | 0.69 | 0.73 | 0.63 | 0.61 | 0.82 | 0.81 | 0.74 | 0.75 | 0.82 | 0.63 | 0.8 | 0.82 | 0.86 | 0.81 | ||||||||||
Forecast | 0.375 | 0.254 | 0.478 | 0.6183 | 0.574 | 0.666 | 0.6233 | 0.6417 | 0.5017 | 0.546 | 0.6 | 0.736 | 0.596 | 0.592 | 0.6225 | 0.7 | 0.65 | 0.7075 | 0.7575 | 0.765 | 0.7025 | 0.792 | 0.84 | 0.842 | ||||||||||
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | +12.00% | +203.15% | +94.56% | +24.54% | +35.89% | -2.40% | +20.33% | -9.62% | +5.64% | -8.42% | +15.00% | -0.82% | +5.70% | +3.04% | +31.73% | +15.71% | +13.85% | +6.01% | +8.25% | -17.65% | +13.88% | +3.54% | +2.38% | -3.80% |
Revenue
Actual | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 46.58M | 50.83M | 58.98M | 57.83M | 57.16M | 47.59M | 54.16M | 50.06M | 51.95M | 50.69M | 53.61M | 52.07M | 48.99M | 53.77M | 55.04M | 49.21M | 52.76M | 56.52M | 51.36M | 61.97M | 54.11M | 55.94M | 57.30M | 58.31M |
Forecast | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 43.96M | 45.57M | 47.38M | 52.82M | 47.55M | 48.16M | 47.54M | 51.68M | 46.80M | 47.76M | 51.62M | 54.95M | 50.81M | 50.19M | 51.89M | 53.94M | 52.19M | 53.42M | 54.86M | 55.14M | 54.97M | 57.11M | 58.62M | 58.73M |
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | +5.98% | +11.55% | +24.48% | +9.47% | +20.22% | -1.18% | +13.92% | -3.15% | +11.01% | +6.15% | +3.86% | -5.24% | -3.57% | +7.12% | +6.07% | -8.78% | +1.10% | +5.80% | -6.37% | +12.40% | -1.56% | -2.05% | -2.26% | -0.72% |
Earnings Call
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What were the key takeaways from Independent's earnings call?What were the key takeaways from Independent’s earnings call?Did Independent beat or miss consensus estimates last quarter?What does Independent do and what are its main business segments?What is the market's earnings forecast for Independent next quarter?What guidance did Independent's management provide for the next earnings period?What is Independent's gross profit margin?What is Independent's latest dividend and current dividend yield?
