Independent Bank Corporation (IBCP) — Stock Score Summary

Independent Bank Corporation (IBCP) has a MoatMap StockRank of 46/100 based on Quality (44/100), Value (40/100), and Momentum (48/100) factor scores. The current signal is HOLD. Regional bank with localized interest rate risk and generic financial services exposure, lacking any connection to our high-conviction macro themes.

Independent Bank Corporation is the bank holding company for Independent Bank, a full-service regional bank operating across Michigan's Lower Peninsula. The bank provides a comprehensive suite of commercial, retail, and mortgage banking services, with a strong emphasis on local relationship lending. Its competitive moat is sustained by a low-cost deposit base, a highly diversified loan portfolio, and a long-standing reputation for community-focused service.

Key Financial Metrics

Price$35.21
Market Cap$703M
P/E (TTM)10.24
P/E (Forward)8.93
Price/Book1.38
Return on Equity14.3%
Gross Margin0.0%
Operating Margin39.0%
Revenue Growth9.7%
Dividend Yield3.3%

Independent Bank Corporation operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Independent Bank Corporation’s (IBCP) StockRank?
MoatMap’s StockRank for Independent Bank Corporation (IBCP) is 46/100, with a Hold signal. It is a composite of Quality (44), Value (40), and Momentum (48) factor ranks across MoatMap’s 19,000+ stock universe.
Does Independent Bank Corporation have an economic moat?
Independent Bank Corporation (IBCP) has a Quality factor score of 44/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Independent Bank Corporation a buy, hold, or sell?
MoatMap’s current signal for Independent Bank Corporation (IBCP) is Hold, based on a StockRank of 46/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Independent Bank Corporation in?
Independent Bank Corporation (IBCP) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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