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IBCP
$33.61+0.40 (+1.20%)
Market ClosedLast close May 1
Independent Bank Corporation operates as the bank holding company for Independent Bank that provides banking services in the United States.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Independent Bank Corporation in the Financial Services sector is trading at $33.61. The stock is currently 10% below its 52-week high of $37.39, remaining 2.8% above its 200-day moving average. Technical signals show neutral RSI of 39 and bearish MACD signal, explaining why IBCP maintains its current momentum and trend strength. The Whystock Score of 95/100 reflects a high-conviction bullish alignment.
Ecosystem Influences
Neutral momentum (RSI 39) — price action in range
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$33.61
Potential Upside
102%
Whystock Fair Value$67.90
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Analyst Consensus5 analysts
Hold
Mean target$36.70+9.2%
Range$36.00 – $37.00
Fundamentals
Independent Bank Corporation operates as the bank holding company for Independent Bank that provides banking services in the United States. The company offers demand deposits, interest checking, money market accounts, savings accounts, and time certi...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$685.51M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
10.18
Beta
Defensive asset. Lower volatility than the S&P 500.
0.75
Div Yield
Strong income play. Yield provides a meaningful total return floor.
333.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
12.87%
Volume
Today's trading volume
220,265
Recent News
Are You Looking for a High-Growth Dividend Stock?
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Independent Bank (IBCP) have what it takes? Let's find out.
Independent Bank Shareholders Reelect Directors, Approve Pay Votes, Hear 2025 Earnings Update at AGM
Independent Bank (NASDAQ:IBCP) held its 2026 annual meeting of shareholders virtually, with Chairman of the Board Steve Gulis presiding and reviewing the matters submitted for shareholder approval. The meeting included votes on director elections, auditor ratification, and advisory proposals related
Independent Bank Corp. (IBCP) Q1 2026 Earnings Call Highlights: Strong Income Growth and ...
Independent Bank Corp. (IBCP) reports a robust increase in net income and deposits, despite challenges in nonperforming loans and rising expenses.
Independent Bank Corporation Q1 2026 Earnings Call Summary
Moby summary of Independent Bank Corporation's Q1 2026 earnings call
Independent Bank Q1 Earnings Call Highlights
Independent Bank (NASDAQ:IBCP) reported higher first-quarter 2026 earnings, pointing to modest net interest margin expansion, growth in core deposits and commercial loans, and what management described as continued sound credit quality. First-quarter results and key balance sheet trends President a