Independent Bank Corp. IBCP
35.83
0.21
0.59%
as of 25 Sep
- Market cap
- $790.7M
- P/E
- 10.3×
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
9.86 | 10.88 | 9.13 | 8.02 | 8.20 | 7.19 | 11.10 | 12.36 | 23.80 | 20.61 |
P/S ratio |
2.14 | 2.25 | 1.86 | 2.21 | 2.40 | 1.84 | 2.64 | 2.80 | 3.46 | 3.66 |
P/FCF ratio |
9.62 | 12.96 | 7.58 | 5.61 | 4.94 | 7.32 | 17.50 | 11.95 | 14.17 | 22.82 |
P/Operating CF |
86.64 | 44.45 | 32.15 | 616.04 | 9.50 | 19.85 | 18.24 | 20.26 | 15.24 | 43.51 |
P/B ratio |
1.34 | 1.60 | 1.34 | 1.47 | 1.29 | 1.04 | 1.48 | 1.45 | 1.84 | 1.89 |
Price to Tangible BV |
1.53 | 1.92 | 1.63 | 1.86 | 1.51 | 1.19 | 1.74 | 1.74 | 1.97 | 2.02 |
EV/Sales |
2.07 | 2.27 | 1.72 | 2.60 | 2.40 | 1.80 | 2.95 | 2.77 | 3.69 | 3.32 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
8.53 | 11.59 | 6.61 | 6.34 | 4.67 | 6.75 | 16.84 | 10.83 | 13.46 | 18.02 |
EV/FCF |
9.32 | 13.04 | 7.02 | 6.61 | 4.93 | 7.14 | 19.61 | 11.82 | 15.11 | 20.68 |
Quick Ratio |
0.03 | 0.03 | 0.04 | 0.02 | 0.03 | 0.03 | 0.02 | 0.02 | 0.02 | 0.04 |
Current Ratio |
0.93 | 0.89 | 0.86 | 0.82 | 0.74 | 0.80 | 0.93 | 0.93 | 0.87 | 0.77 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
2.12% | 2.33% | 2.46% | 3.30% | 2.32% | 2.59% | 3.59% | 1.94% | 3.23% | 1.77% |
Debt/Equity |
0.23 | 0.27 | 0.32 | 0.48 | 0.27 | 0.28 | 0.37 | 0.19 | 0.34 | 0.18 |
Asset Turnover |
0.06 | 0.06 | 0.06 | 0.05 | 0.05 | 0.06 | 0.06 | 0.06 | 0.05 | 0.05 |
Operating CF/Net income |
1.12 | 0.95 | 1.28 | 1.49 | 1.75 | 1.05 | 0.74 | 1.13 | 1.89 | 1.04 |
Capex/Depreciation |
(0.66) | (0.70) | (0.44) | (0.36) | (0.48) | (0.35) | (0.80) | (0.62) | (0.61) | (0.58) |
| 14.31% | 15.55% | 15.71% | 16.98% | 15.96% | 15.18% | 13.48% | 13.19% | 7.97% | 9.11% | |
| 1.26% | 1.26% | 1.15% | 1.31% | 1.41% | 1.45% | 1.34% | 1.30% | 0.77% | 0.92% | |
ROIC |
10.55% | 11.30% | 12.65% | 11.09% | 12.14% | 11.44% | 8.75% | 9.86% | 8.14% | 10.04% |
Return on Tangible Assets |
(21.48%) | (14.30%) | (9.17%) | (8.04%) | (6.06%) | (8.05%) | (27.50%) | (24.77%) | (7.53%) | (4.82%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
45.78% | 43.19% | 45.92% | 57.89% | 60.12% | 61.15% | 57.23% | 60.08% | 66.03% | 69.12% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.86% | 0.72% | 0.77% | 0.93% | 0.91% | 0.90% | 0.94% | 0.99% | 1.24% | 1.26% |
Graham Net Nets |
(0.70) | (0.86) | (1.50) | (1.94) | (2.30) | (2.08) | (0.65) | (0.54) | (0.82) | (1.18) |
Graham Number |
42.41 | 39.59 | 34.98 | 33.41 | 34.77 | 32.01 | 26.50 | 23.53 | 16.38 | 16.74 |
Earnings Yield |
10.14% | 9.19% | 10.95% | 12.46% | 12.19% | 13.91% | 9.01% | 8.09% | 4.20% | 4.85% |
Free Cash Flow Yield |
10.39% | 7.72% | 13.18% | 17.82% | 20.26% | 13.66% | 5.71% | 8.36% | 7.06% | 4.38% |
Revenue per Share |
15.19 | 15.47 | 13.84 | 10.95 | 9.95 | 10.04 | 8.59 | 7.50 | 6.60 | 6.03 |
Operating CF per Share |
3.69 | 3.02 | 3.60 | 4.49 | 5.10 | 2.67 | 1.51 | 1.92 | 1.81 | 1.11 |
Capex per Share |
(0.31) | (0.33) | (0.21) | (0.18) | (0.27) | (0.15) | (0.21) | (0.16) | (0.20) | (0.14) |
Free Cash Flow per Share |
3.38 | 2.69 | 3.40 | 4.30 | 4.84 | 2.52 | 1.29 | 1.76 | 1.61 | 0.97 |
Cash per Share |
6.67 | 5.74 | 8.09 | 3.53 | 5.07 | 5.40 | 2.87 | 3.03 | 2.72 | 4.17 |
Shareholders Equity per Share |
24.23 | 21.76 | 19.28 | 16.48 | 18.46 | 17.72 | 15.30 | 14.48 | 12.42 | 11.65 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
24.23 | 21.76 | 19.28 | 16.48 | 18.46 | 17.72 | 15.30 | 14.48 | 12.42 | 11.65 |
Free Cash Flow |
70.17 | 56.16 | 71.21 | 90.79 | 104.38 | 55.43 | 29.63 | 41.17 | 34.39 | 20.66 |
Working Capital |
(358.13) | (504.51) | (679.43) | (824.01) | (1,073.61) | (733.83) | (207.27) | (199.63) | (311.10) | (512.45) |
Capital Expenditures |
(6.49) | (6.99) | (4.38) | (3.85) | (5.77) | (3.25) | (4.86) | (3.76) | (4.22) | (3.04) |
Net Current Asset Value |
(474.99) | (628.90) | (808.69) | (989.11) | (1,182.57) | (842.65) | (335.37) | (264.72) | (401.27) | (558.17) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.01 | 0.02 | 0.02 | 0.03 | 0.02 |
Net Profit Margin |
21.73% | 20.67% | 20.34% | 27.43% | 29.29% | 25.46% | 23.61% | 22.69% | 14.54% | 17.67% |
Price to Operating Income |
8.31 | 8.76 | 7.33 | 6.55 | 6.65 | 5.84 | 8.98 | 9.48 | 12.79 | 14.22 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.25 | 0.27 | 0.28 | 0.30 | 0.33 | 0.25 | 0.16 | 0.16 | 0.18 | 0.13 |
Cash ROIC |
4.97% | 3.67% | 5.70% | 10.01% | 11.95% | 3.66% | (0.72%) | 1.29% | (0.13%) | (4.30%) |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.02 | 0.02 | 0.02 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
19,371.10 | 16,898.20 | 20,244.65 | 82,190.58 | 180,726.14 | 81,866.84 | 42,069.51 | 60,797.05 | 96,042.41 | 118,045.25 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
4,707.89 | 4,638.48 | 4,500.97 | 4,248.08 | 3,877.22 | 3,337.04 | 2,975.08 | 2,656.98 | 2,313.13 | 2,155.84 |
Average Assets |
5,421.91 | 5,300.92 | 5,131.76 | 4,852.26 | 4,454.38 | 3,884.35 | 3,458.99 | 3,071.32 | 2,669.15 | 2,479.01 |
Average Common Equity |
478.82 | 429.57 | 376.02 | 373.04 | 394.00 | 369.85 | 344.58 | 301.96 | 256.96 | 250.04 |
Columns are period end dates