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Independent Bank (IBCP)
NASDAQ:IBCP
US Market
IBCP
Independent Bank
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Independent Bank (IBCP) Ratios

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Independent Bank Ratios

IBCP's free cash flow for Q4 2025 was $0.71. For the 2025 fiscal year, IBCP's free cash flow was decreased by $ and operating cash flow was $0.26. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.03 0.03 0.18 0.22
Quick Ratio
 0.00 0.03 0.03 0.18 0.22
Cash Ratio
 0.00 0.03 0.03 0.04 0.02
Solvency Ratio
 0.01 0.01 0.02 0.01 0.02
Operating Cash Flow Ratio
 0.00 0.02 0.01 0.02 0.02
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 1.55
Net Current Asset Value
$ -4.52B$ -4.84B$ -4.74B$ -4.01B$ -3.67B
Leverage Ratios
Debt-to-Assets Ratio
 0.01 0.02 0.02 0.02 0.05
Debt-to-Equity Ratio
 0.13 0.23 0.27 0.32 0.65
Debt-to-Capital Ratio
 0.12 0.19 0.21 0.24 0.39
Long-Term Debt-to-Capital Ratio
 0.12 0.19 0.21 0.24 0.32
Financial Leverage Ratio
 10.89 10.95 11.74 13.01 14.38
Debt Service Coverage Ratio
 0.87 0.76 0.76 0.83 0.92
Interest Coverage Ratio
 0.95 0.91 0.83 0.88 4.00
Debt to Market Cap
 0.10 0.17 0.17 0.24 0.45
Interest Debt Per Share
 7.46 9.99 10.78 10.15 11.63
Net Debt to EBITDA
 0.21 -0.26 0.05 -0.48 1.71
Profitability Margins
Gross Profit Margin
70.31%69.61%66.92%68.29%88.65%
EBIT Margin
26.60%25.78%26.25%25.96%34.69%
EBITDA Margin
28.27%25.78%29.42%29.49%39.52%
Operating Profit Margin
26.60%25.78%26.25%25.96%34.69%
Pretax Profit Margin
26.60%25.78%26.25%25.96%34.69%
Net Profit Margin
22.54%21.73%21.11%20.81%28.25%
Continuous Operations Profit Margin
22.54%21.73%21.11%20.81%28.25%
Net Income Per EBT
84.75%84.32%80.43%80.17%81.44%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.26%1.24%1.25%1.12%1.27%
Return on Equity (ROE)
14.15%13.63%14.69%14.60%18.23%
Return on Capital Employed (ROCE)
1.48%10.93%12.14%11.50%17.22%
Return on Invested Capital (ROIC)
11.59%9.21%9.76%9.22%12.36%
Return on Tangible Assets
1.26%1.26%1.27%1.14%1.29%
Earnings Yield
10.16%10.19%9.19%10.84%12.54%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 0.00 0.00 1.74
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 7.32 8.09 8.44 7.99 6.25
Asset Turnover
 0.06 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 -0.14 -0.07 -0.08 -0.08 -0.07
Cash Conversion Cycle
 0.00 0.00 0.00 0.00 209.83
Days of Sales Outstanding
 0.00 0.00 0.00 0.00 209.83
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 0.00 0.00 0.00 0.00 209.83
Cash Flow Ratios
Operating Cash Flow Per Share
 3.73 3.71 3.03 3.61 4.48
Free Cash Flow Per Share
 3.41 3.39 2.64 3.32 4.21
CapEx Per Share
 0.32 0.31 0.38 0.29 0.27
Free Cash Flow to Operating Cash Flow
 0.92 0.92 0.87 0.92 0.94
Dividend Paid and CapEx Coverage Ratio
 2.73 2.73 2.26 2.98 3.90
Capital Expenditure Coverage Ratio
 11.81 11.81 7.94 12.55 16.66
Operating Cash Flow Coverage Ratio
 1.15 0.66 0.51 0.58 0.42
Operating Cash Flow to Sales Ratio
 0.25 0.24 0.20 0.27 0.42
Free Cash Flow Yield
10.20%10.44%7.59%12.76%17.61%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.90 9.81 10.88 9.23 7.97
Price-to-Sales (P/S) Ratio
 2.23 2.13 2.30 1.92 2.25
Price-to-Book (P/B) Ratio
 1.35 1.34 1.60 1.35 1.45
Price-to-Free Cash Flow (P/FCF) Ratio
 9.86 9.58 13.17 7.83 5.68
Price-to-Operating Cash Flow Ratio
 9.02 8.77 11.51 7.21 5.34
Price-to-Earnings Growth (PEG) Ratio
 1.49 3.14 0.81 -1.54 2.58
Price-to-Fair Value
 1.35 1.34 1.60 1.35 1.45
Enterprise Value Multiple
 8.11 8.01 7.86 6.03 7.41
Enterprise Value
 706.39M 650.91M 731.48M 504.50M 656.85M
EV to EBITDA
 8.07 8.01 7.86 6.03 7.41
EV to Sales
 2.28 2.06 2.31 1.78 2.93
EV to Free Cash Flow
 10.07 9.28 13.25 7.25 7.38
EV to Operating Cash Flow
 9.21 8.49 11.58 6.67 6.94
Tangible Book Value Per Share
 23.40 21.39 18.12 15.85 12.99
Shareholders’ Equity Per Share
 24.81 24.33 21.78 19.31 16.46
Tax and Other Ratios
Effective Tax Rate
 0.15 0.16 0.20 0.20 0.19
Revenue Per Share
 15.05 15.26 15.16 13.55 10.62
Net Income Per Share
 3.39 3.32 3.20 2.82 3.00
Tax Burden
 0.85 0.84 0.80 0.80 0.81
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.31 0.31 0.29 0.29 0.37
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 <0.01 <0.01
Income Quality
 1.12 1.12 0.95 1.28 1.49
Currency in USD