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STOCKS

Independent Bank (IBCP)

NASDAQ:IBCP

IBCP

Independent Bank

RESEARCH TOOLSreports

Independent Bank (IBCP) Ratios

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113 Followers

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 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	370.62	370.62	0.03	0.18	0.22
Quick Ratio	370.62	370.62	0.03	0.18	0.22
Cash Ratio	35.32	35.32	0.03	0.04	0.02
Solvency Ratio	0.02	0.01	0.02	0.01	0.02
Operating Cash Flow Ratio	51.83	51.83	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	$ -4.45B	$ -4.45B	$ -4.74B	$ -4.01B	$ -3.67B
Leverage Ratios
Debt-to-Assets Ratio	0.02	0.02	0.02	0.02	0.05
Debt-to-Equity Ratio	0.23	0.23	0.27	0.32	0.65
Debt-to-Capital Ratio	0.19	0.19	0.21	0.24	0.39
Long-Term Debt-to-Capital Ratio	0.19	0.19	0.21	0.24	0.32
Financial Leverage Ratio	10.95	10.95	11.74	13.01	14.38
Debt Service Coverage Ratio	0.85	0.76	0.76	0.83	0.92
Interest Coverage Ratio	0.91	0.91	0.83	0.88	4.00
Debt to Market Cap	0.17	0.17	0.17	0.24	0.45
Interest Debt Per Share	10.01	9.99	10.78	10.15	11.63
Net Debt to EBITDA	0.73	0.80	0.05	-0.48	1.71
Profitability Margins
Gross Profit Margin	69.13%	69.61%	66.92%	68.29%	88.65%
EBIT Margin	26.24%	25.78%	26.25%	25.96%	34.69%
EBITDA Margin	28.66%	25.78%	29.42%	29.49%	39.52%
Operating Profit Margin	26.24%	25.78%	26.25%	25.96%	34.69%
Pretax Profit Margin	26.24%	25.78%	26.25%	25.96%	34.69%
Net Profit Margin	22.12%	21.73%	21.11%	20.81%	28.25%
Continuous Operations Profit Margin	22.12%	21.73%	21.11%	20.81%	28.25%
Net Income Per EBT	84.32%	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)	1.24%	1.24%	1.25%	1.12%	1.27%
Return on Equity (ROE)	14.20%	13.63%	14.69%	14.60%	18.23%
Return on Capital Employed (ROCE)	1.48%	1.48%	12.14%	11.50%	17.22%
Return on Invested Capital (ROIC)	11.15%	11.15%	9.76%	9.22%	12.36%
Return on Tangible Assets	1.25%	1.25%	1.27%	1.14%	1.29%
Earnings Yield	10.33%	10.19%	9.19%	10.84%	12.54%
Efficiency Ratios
Receivables Turnover	16.28	16.57	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	7.95	8.09	8.44	7.99	6.25
Asset Turnover	0.06	0.06	0.06	0.05	0.04
Working Capital Turnover Ratio	-0.16	-0.16	-0.08	-0.08	-0.07
Cash Conversion Cycle	22.42	22.02	0.00	0.00	209.83
Days of Sales Outstanding	22.42	22.02	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	22.42	22.02	0.00	0.00	209.83
Cash Flow Ratios
Operating Cash Flow Per Share	3.71	3.71	3.03	3.61	4.48
Free Cash Flow Per Share	3.40	3.39	2.64	3.32	4.21
CapEx Per Share	0.31	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	0.66	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	10.55%	10.44%	7.59%	12.76%	17.61%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.89	9.81	10.88	9.23	7.97
Price-to-Sales (P/S) Ratio	2.19	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	9.68	9.58	13.17	7.83	5.68
Price-to-Operating Cash Flow Ratio	8.84	8.77	11.51	7.21	5.34
Price-to-Earnings Growth (PEG) Ratio	16.22	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	8.38	9.07	7.86	6.03	7.41
Enterprise Value	729.98M	737.06M	731.48M	504.50M	656.85M
EV to EBITDA	8.22	9.07	7.86	6.03	7.41
EV to Sales	2.36	2.34	2.31	1.78	2.93
EV to Free Cash Flow	10.40	10.50	13.25	7.25	7.38
EV to Operating Cash Flow	9.52	9.61	11.58	6.67	6.94
Tangible Book Value Per Share	22.95	22.91	18.12	15.85	12.99
Shareholders’ Equity Per Share	24.37	24.33	21.78	19.31	16.46
Tax and Other Ratios
Effective Tax Rate	0.16	0.16	0.20	0.20	0.19
Revenue Per Share	15.01	15.26	15.16	13.55	10.62
Net Income Per Share	3.32	3.32	3.20	2.82	3.00
Tax Burden	0.84	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	0.29	0.31	0.28	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