IBCP
Financial ServicesIndependent Bank Corporation · Banks - Regional · $690M
IBCP — Key Takeaways
✅ Strengths
⚠️ Areas of Concern
IBCP — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Apr 8, 2026 | 56.4 | 81.3 | 24.0 | 21.5 | 72.7 | 99.1 | 0.0 |
| Apr 7, 2026 | 56.4 | 81.3 | 24.0 | 21.5 | 72.7 | 99.1 | 0.0 |
| Apr 6, 2026 | 56.4 | 81.3 | 24.0 | 21.5 | 72.7 | 99.1 | 0.0 |
| Apr 5, 2026 | 56.4 | 81.3 | 24.0 | 21.5 | 72.7 | 99.1 | 0.0 |
| Apr 4, 2026 | 56.4 | 81.3 | 24.0 | 21.5 | 72.7 | 99.1 | 0.0 |
| Apr 3, 2026 | 56.4 | 81.3 | 24.0 | 21.5 | 72.7 | 99.1 | 0.0 |
| Apr 2, 2026 | 56.4 | 81.3 | 24.0 | 21.5 | 72.7 | 99.1 | — |
IBCP — Pillar Breakdown
Quality
— 81.3/100 (25%)Independent Bank Corporation demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 21.5/100 (20%)Independent Bank Corporation faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 72.7/100 (15%)Independent Bank Corporation maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 99.1/100 (15%)Independent Bank Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Moat
— 24/100 (30%)Independent Bank Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for IBCP.
Score Composition
More Stock Analysis
How is the IBCP UQS Score Calculated?
The UQS (Unified Quality Score) for Independent Bank Corporation is calculated using a proprietary 5-pillar framework with 25 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Independent Bank Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Independent Bank Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.