Independent Bank Corp /Mi/ (IBCP) Stock Price & Analysis
Independent Bank Corp /Mi/ (IBCP) rose 2.76% to USD 37.66 as of July 25, 2026 at 05:02 UTC, according to Nexqual real-time market data.
IBCP last closed at USD 36.65; the session ranged USD 36.36–37.82 on volume of 239,703 shares. Market capitalization is $776.03M, with a 52-week range of USD 29.63–39.17 (NMS). Source: Nexqual, July 25, 2026 at 05:02 UTC.
Key Statistics (as of July 25, 2026 at 05:02 UTC)
| Price | USD 37.66 |
|---|---|
| Change | ▲ 2.76% (up) |
| Previous Close | USD 36.65 |
| Open | USD 37.05 |
| Day Range | USD 36.36 – 37.82 |
| 52-Week Range | USD 29.63 – 39.17 |
| Volume | 239,703 shares |
| Market Cap | $776.03M |
| Exchange | NMS |
Technical Analysis (IBCP)
Nexqual's technical model rates IBCP "BUY" based on 5 bullish and 2 bearish signals across 125 daily candles, as of July 25, 2026 at 05:02 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 63.26 (neutral) |
| vs SMA50 | Above (USD 35.08) |
| MACD | 0.5 (positive) |
Analyst Ratings (IBCP)
Wall Street analysts rate IBCP "Hold" based on 5 analysts, with a mean price target of USD 39.2 (range USD 37–41), per Nexqual as of July 25, 2026 at 05:02 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 5 |
| Mean Target | USD 39.2 |
| High Target | USD 41 |
| Low Target | USD 37 |
| Buy / Hold / Sell | 1 / 4 / 0 |
Earnings (IBCP)
| Next Earnings Date | 2026-07-23 |
|---|---|
| EPS Estimate | USD 0.94 |
| Revenue Estimate | $59.44M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.9 vs est 0.84 ▲ beat |
| 2026-03-31 | USD 0.81 vs est 0.79 ▲ beat |
| 2025-12-31 | USD 0.89 vs est 0.84 ▲ beat |
| 2025-09-30 | USD 0.84 vs est 0.84 ▲ beat |
Source: Nexqual, July 25, 2026 at 05:02 UTC.
Financials & Fundamentals (IBCP)
| Total Revenue | $230.76M |
|---|---|
| Revenue Growth (YoY) | +11.20% |
| Gross Margin | +0.00% |
| Operating Margin | +39.93% |
| Profit Margin | +31.09% |
| ROE | +14.38% |
| Total Cash | $165.45M |
| Total Debt | $166.90M |
Source: Nexqual, July 25, 2026 at 05:02 UTC.
Financial Health Score (IBCP)
Nexqual rates Independent Bank Corp /Mi/'s overall financial health "Mixed" across five dimensions, as of July 25, 2026 at 05:02 UTC.
| Growth | Solid — Revenue +8% YoY (annual) |
|---|---|
| Profitability | Critical — Gross margin 0% |
| Balance Sheet | Mixed — $165M cash vs $167M debt |
| Cash Flow | Mixed — No data |
| Efficiency | Mixed — ROE 14%, ROA 1.3% |
Ownership (IBCP)
| Insider Ownership | +4.99% |
|---|---|
| Institutional Ownership | +87.07% |
| Shares Outstanding | 20.61M |
| Float | 20.05M |
| Short % of Float | +3.75% |
Source: Nexqual, July 25, 2026 at 05:02 UTC.
Leadership (IBCP)
Independent Bank Corp /Mi/ is led by William Bradford Kessel (age 61), President, CEO & Director, per Nexqual as of July 25, 2026 at 05:02 UTC.
| President, CEO & Director | William Bradford Kessel (age 61) |
|---|---|
| CFO, Executive VP, Treasurer & Corporate Secretary | Gavin A. Mohr (age 41) |
| Executive Vice President of Mortgage Banking | Patrick J. Ervin (age 59) |
| Executive VP & Chief Operating Officer | Christopher S. Michaels (age 58) |
| Senior Vice President of Human Resources | Laurinda M. Neve (age 73) |
Major Backers & Investors (IBCP)
Notable institutional backers of Independent Bank Corp /Mi/ include American Century Companies Inc, Charles Schwab Investment Management, Inc., Acadian Asset Management. LLC, according to Nexqual as of July 25, 2026 at 05:02 UTC.
Active Investors
| Investor | Stake |
|---|---|
| American Century Companies Inc | 6.63% |
| Charles Schwab Investment Management, Inc. | 3.02% |
| Acadian Asset Management. LLC | 2.89% |
| Renaissance Technologies | 2.83% |
| FMR, LLC | 2.75% |
| Goldman Sachs | 2.64% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 17.24% |
| Vanguard Group | 8.68% |
| State Street | 4.77% |
| Dimensional Fund Advisors | 4.18% |
Source: Nexqual, July 25, 2026 at 05:02 UTC.
From Independent Bank Corp /Mi/'s Latest SEC 10-K Filing (filed 2026-03-06)
Key Strengths & Strategy (as disclosed to the SEC)
- 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 certificates of deposit, including free checking accounts.
- It also provides consumer loans that consists of real estate loans comprising residential mortgages and home equity loans and lines, all secured by one-to-four family residential properties, as well as other consumer loans; and investment and financial services.
- In addition, the company offers cash management; investment management and trust services; additional services, such as estate settlement, financial planning, tax services, and other special services; sale of mutual fund shares, unit investment trust shares, third party model portfolios, general securities, and fixed and variable annuities, as well as life insurance products; debit and credit card; safe deposit box services; automatic teller machines; and internet and mobile banking services.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| MBWM | Mercantile Bank Corporation | USD 58.5 | ▲ 1.21% |
| FRME | First Merchants Corporation | USD 43.18 | ▼ 1.3% |
| HFWA | Heritage Financial Corporation | USD 30.16 | ▼ 0.07% |
| HBNC | Horizon Bancorp, Inc. | USD 20.06 | ▼ 0.74% |
| LKFN | Lakeland Financial Corporation | USD 61.11 | ▼ 0.33% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 25, 2026 at 05:02 UTC. This page is informational and not investment advice.