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Independent Bank (IBCP)
NASDAQ:IBCP
Earnings Data
Report Date
Jan 22, 2026Before Open (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.84Last Year’s EPS
0.63Same Quarter Last Year
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call reflected a positive sentiment overall, driven by strong loan growth, expanding net interest margins, and robust credit metrics. Technological advancements further bolstered operational efficiency. However, challenges were noted in the decline of noninterest income and core deposits, and a decrease in mortgage loan servicing revenue.Company Guidance
Solid Loan Growth
Total loans grew by $91.7 million or 9% annualized. Commercial loan generation was strong with $75.8 million of quarterly growth, marking a 15.3% annualized increase.
Net Interest Margin Expansion
The net interest margin increased by 9 basis points from the prior quarter to 3.58%, with net interest income rising by $3.3 million from the previous year.
Strong Credit Metrics
Nonperforming loans were low at 20 basis points of total loans, with past due loans at 16 basis points. Net charge-offs were minimal at 2 basis points of average loans.
Technological Enhancements
Rolled out new technologies, including AI chat functions, improving customer interaction and operational efficiency.
IBCP Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
IBCP Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Oct 28, 2025 | $31.61 | $31.37 | -0.76% |
Jul 28, 2025 | $31.90 | $31.74 | -0.50% |
Apr 24, 2025 | $30.49 | $30.12 | -1.21% |
Jan 23, 2025 | $33.68 | $34.10 | +1.25% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Independent Bank (IBCP) report earnings?
Independent Bank (IBCP) is schdueled to report earning on Jan 22, 2026, Before Open (Confirmed).
What is Independent Bank (IBCP) earnings time?
Independent Bank (IBCP) earnings time is at Jan 22, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is IBCP EPS forecast?
IBCP EPS forecast for the fiscal quarter 2025 (Q4) is 0.84.