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Independent Bank (IBCP)
NASDAQ:IBCP
US Market
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Independent Bank (IBCP) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Oct 28, 2025
Before Open (Confirmed)
Period Ending
2025 (Q3)
Consensus EPS Forecast
0.84
Last Year’s EPS
0.82
Same Quarter Last Year
Based on 3 Analysts Ratings

Earnings Call Summary

Q2 2025
Earnings Call Date:Jul 28, 2025|
% Change Since: -5.65%|
Earnings Call Sentiment|Neutral
The earnings call presented a mixed picture. While the bank demonstrated strong loan growth, improved net interest margin, and robust credit metrics, there were declines in net income, noninterest income, and core deposits. The implementation of new technologies highlighted a focus on operational efficiency, but challenges in mortgage servicing tempered the positive outlook.
Company Guidance -
Q3 2025
In the second quarter of 2025, Independent Bank Corporation reported a net income of $16.9 million, or $0.81 per diluted share, a decrease from $18.5 million, or $0.88 per diluted share, in the same period the previous year. Despite a drop in core deposits by 1.4% annualized due to seasonality, the bank achieved a 9% annualized increase in loans. The net interest margin expanded by 9 basis points from the previous quarter, reaching 3.58%, supported by a $3.3 million increase in net interest income year-over-year. Furthermore, the return on average assets was 1.27%, while the return on average equity was 14.66%. The bank's allowance for credit losses stood at 1.47% of total loans, with nonperforming assets at 16 basis points of total assets. Despite market uncertainties, the company maintained strong credit metrics and continued to enhance its technological capabilities to support customer and operational needs.
Loan Growth and Commercial Banking Expansion
Total loans grew by $91.7 million or 9% annualized. Commercial loans increased by $75.8 million, reflecting 15.3% annualized growth. The bank added three experienced commercial bankers, expanding their team to 50 bankers.
Net Interest Margin Improvement
The tax equivalent net interest margin increased to 3.58% in Q2 2025, up from 3.40% in Q2 2024 and 9 basis points higher than the first quarter of 2025.
Strong Credit Metrics
Nonperforming loans were $8.2 million or 20 basis points of total loans at quarter end. The allowance for credit losses was 1.47% of total loans, with net charge-offs at 2 basis points of average loans annualized.
Technology and Operational Efficiency
Several new technologies were rolled out, including an AI chat function, enhancing customer service and operational efficiency.
Regulatory Capital Position
The bank maintained a strong regulatory capital position, supporting its financial stability and growth potential.

Independent Bank (IBCP) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

IBCP Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Oct 28, 2025
2025 (Q3)
0.84 / -
0.82
Jul 28, 2025
2025 (Q2)
0.79 / 0.80
0.756.67% (+0.05)
Apr 24, 2025
2025 (Q1)
0.70 / 0.68
0.74-8.11% (-0.06)
Jan 23, 2025
2024 (Q4)
0.77 / 0.63
0.81-22.22% (-0.18)
Oct 24, 2024
2024 (Q3)
0.76 / 0.82
0.820.00% (0.00)
Jul 25, 2024
2024 (Q2)
0.71 / 0.75
0.6122.95% (+0.14)
Apr 25, 2024
2024 (Q1)
0.65 / 0.74
0.6317.46% (+0.11)
Jan 25, 2024
2023 (Q4)
0.70 / 0.81
0.7310.96% (+0.08)
Oct 24, 2023
2023 (Q3)
0.62 / 0.82
0.6918.84% (+0.13)
Jul 25, 2023
2023 (Q2)
0.59 / 0.61
0.522.00% (+0.11)
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
Jul 28, 2025
$32.18$32.01-0.53%
Apr 24, 2025
$30.75$30.38-1.20%
Jan 23, 2025
$33.96$34.39+1.27%
Oct 24, 2024
$32.19$31.72-1.46%
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 Oct 28, 2025, Before Open (Confirmed).
    What is Independent Bank (IBCP) earnings time?
    Independent Bank (IBCP) earnings time is at Oct 28, 2025, 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 (Q3) is 0.84.
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