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Independent Bank Corporation

IBCP Finance Major Banks
$36.98
▲ +2.8% Today
as of Oct 23, 16:49 ET
Last 30 days -0.56% Sep 14 → Oct 23
$34.55 $35.30 $36.05 $36.81 $37.56 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$36.72
High
$37.20
Low
$36.69
Volume
$187,116
Avg Vol
$170,745
Mkt Cap
$789M
P/E (TTM)
20.82
Beta
—
52w High
$39.24
52w Low
$29.83
Div Yield
—
Shares Out
$21M

Recent Press Releases & News last 60 days · 6 items

Oct 20 · 20:00 PR GlobeNewswire
Independent Bank Corporation Announces Quarterly Cash Dividend on Common Stock
Oct 20 · 13:00 Zacks
Independent Bank (IBCP) Earnings Expected to Grow: What to Know Ahead of Next Week's Release
Oct 2 · 19:07 MT Newswires
Independent Bank Shares Rise After Piper Sandler Upgrade
▸ Show all 6 press releases & news Free account →

IBCP earnings at a glance

Independent Bank Corporation (IBCP) is scheduled to report earnings on Tuesday, October 27, 2026 before the market opens — in 3 days. Analysts expect earnings per share of $0.93, compared with $0.84 in the same quarter last year (+11%). The options market is pricing a move of about ±13.1% after the report, a range of roughly $32.12 to $41.84 from today's $36.98. Over its last 6 reports the stock rose the next day 2 times and fell 4, moving ±1.6% on average; after the most recent report on Jul 23, 2026 it moved +1.8%. That means options currently expect more movement than IBCP has typically delivered. IBCP beat the consensus EPS estimate in 6 of its last 6 reported quarters. Implied volatility is currently 99%. The share price of $36.98 sits in the middle of its 52-week range.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$30
$39
76% of range
Avg surprise (last 6)
+4.4%
Avg reaction (last 6)
-0.7%
33% positive
Latest IV / EM
99%
EM ±13.1% · $35 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.61$0.68$0.76$0.83$0.90 Actual $0.61Actual $0.70Actual $0.83Actual $0.74Est $0.70Actual $0.81Est $0.78Actual $0.84Est $0.83Actual $0.89Est $0.83Actual $0.81Est $0.79Actual $0.90Est $0.85 MarJunSepMar/2025Jun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$0$5M$10M$15M$20M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Thu Jul 23, 2026Jun/2026 $0.90 $0.85 +5.9% +4.9% +1.8% earnings
Thu Apr 23, 20268K 2026-04-23 $0.81 $0.79 +2.5% — -1.0% earnings
Thu Jan 22, 20268K 2026-01-22 $0.89 $0.83 +7.2% — +1.0% earnings
Tue Oct 28, 2025Sep/2025 $0.84 $0.83 +1.2% — -0.8% earnings
Thu Jul 24, 2025Jun/2025 $0.81 $0.78 +3.9% — -3.9% earnings
Thu Apr 24, 2025Mar/2025 $0.74 $0.70 +5.7% — -1.2% earnings
Sat Sep 30, 2023Sep 2023 $0.83 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.70 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.61 — — — — financials

Upcoming

DateFiscalTimeEPS EstLY EPSYoY %Δ
Tue Oct 27, 2026Sep/2026BMO $0.93$0.84 +10.7%

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue$8M$8M—$9M$8M$7M—$9M
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$19M$17M——$17M$16M——
EPS (diluted)$0.90$0.81——$0.81$0.74——

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$165M$175M$138M$209M$146M$128M$120M$122M
Inventory————————
Total current assets————————
Total assets$5.66B$5.56B$5.51B$5.49B$5.42B$5.33B$5.34B$5.26B
Long-term debt————————
Total liabilities$5.14B$5.05B$5.00B$5.00B$4.95B$4.86B$4.88B$4.81B
Total equity$528M$511M$503M$491M$469M$467M$455M$452M

Implied volatility — last 90 days

58%139%219%300%380% Jun 23 — IV 67% · EM ±13.8%Jun 24 — IV 70% · EM ±14.0%Jun 25 — IV 60% · EM ±11.7%Jun 26 — IV 71% · EM ±13.7%Jun 30 — IV 80% · EM ±13.9%Jul 01 — IV 85% · EM ±14.2%Jul 02 — IV 87% · EM ±14.2%Jul 03 — IV 91% · EM ±14.2%Jul 16 — IV 381% · EM ±15.9%Jul 21 — IV 59% · EM ±13.7%Jul 22 — IV 62% · EM ±14.1%Jul 23 — IV 60% · EM ±13.5%Jul 24 — IV 78% · EM ±17.3%Jul 27 — IV 74% · EM ±15.4%Jul 28 — IV 72% · EM ±14.7%Jul 29 — IV 63% · EM ±12.5%Jul 30 — IV 65% · EM ±12.8%Jul 31 — IV 66% · EM ±12.7%Aug 04 — IV 71% · EM ±12.2%Aug 06 — IV 84% · EM ±13.5%Aug 07 — IV 84% · EM ±13.1%Aug 10 — IV 101% · EM ±14.0%Aug 11 — IV 92% · EM ±12.1%Aug 12 — IV 104% · EM ±13.1%Aug 13 — IV 107% · EM ±12.6%Aug 14 — IV 90% · EM ±9.9%Aug 17 — IV 159% · EM ±13.3%Aug 18 — IV 138% · EM ±10.0%Aug 19 — IV 261% · EM ±15.4%Aug 20 — IV 363% · EM ±15.2%Aug 24 — IV 77% · EM ±16.1%Aug 25 — IV 77% · EM ±15.8%Aug 26 — IV 84% · EM ±16.9%Aug 27 — IV 72% · EM ±14.1%Aug 28 — IV 74% · EM ±14.1%Aug 31 — IV 87% · EM ±15.3%Sep 01 — IV 88% · EM ±15.2%Sep 02 — IV 99% · EM ±16.5%Sep 03 — IV 85% · EM ±13.8%Sep 04 — IV 98% · EM ±15.3%Sep 07 — IV 110% · EM ±15.3%Sep 08 — IV 104% · EM ±13.8%Sep 09 — IV 111% · EM ±13.9%Sep 10 — IV 116% · EM ±13.7%Sep 11 — IV 129% · EM ±14.3%Sep 14 — IV 171% · EM ±14.3%Sep 15 — IV 196% · EM ±14.2%Sep 16 — IV 246% · EM ±14.5%Sep 17 — IV 354% · EM ±14.8%Sep 21 — IV 75% · EM ±15.6%Sep 22 — IV 69% · EM ±14.0%Sep 23 — IV 71% · EM ±14.1%Sep 24 — IV 64% · EM ±12.5%Sep 25 — IV 82% · EM ±15.6%Sep 28 — IV 82% · EM ±14.6%Oct 02 — IV 88% · EM ±13.7%Oct 06 — IV 99% · EM ±13.1%

Sector peers

SPFI
South Plains Financial, Inc.
$802M $43.02-0.9%
ORRF
Orrstown Financial Services, Inc.
$803M $44.29+3.3%
FISI
Financial Institutions, Inc.
$763M $40.58+1.8%
CCBG
Capital City Bank Group
$835M $50.53+2.0%
GSBC
Great Southern Bancorp, Inc.
$848M $80.93+3.6%
EGBN
Eagle Bancorp, Inc.
$854M $33.68+18.1%

IBCP earnings FAQ

When is IBCP's next earnings date?

Independent Bank Corporation is expected to report on October 27, 2026, before the market opens.

What is IBCP's expected move for earnings?

Options currently price a move of about ±13.1%, or $4.86 per share either way from $36.98.

How does IBCP stock usually react to earnings?

Across the last 6 reports the average next-day move was ±1.6%, up 2 times and down 4 times.

What EPS are analysts expecting from Independent Bank Corporation?

The consensus estimate is $0.93 per share, versus $0.84 a year ago.

What is IBCP's implied volatility?

IBCP's at-the-money implied volatility is about 99% based on the latest options snapshot.

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