OakChart

Independent Bank Corp (Ionia, MI)

IBCPFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 3:59 PM ET

36.74+0.10 (0.27%)
2026-11-12 01:39 CET
Market cap
808.96 USD m
Revenue, TTM
- USD m
Net income, TTM
72.10 USD m
Free cash flow, TTM
31.44 USD m
EPS diluted, TTM
3.41
P/E
10.79
Compare

Price

IBCP against its 20, 50 and 200-day averages
2050200beatmiss
34.0036.0038.00262K523KVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26IBCPclose 36.7420-day 36.5950-day 36.29200-day 35.4936.7452w high

6.4% under the 52-week high of 39.24 on 3 Aug 2026. 52-week low 29.83 on 19 Nov 2025. Last 15 sessions, 8.7% high to low

Volume 0.55× normal · the line is the 50-bar volume average

Profile

IBCP
52-week range, 73% of the way up
29.8339.24

Independent Bank Corp. operates as a bank holding company, which engages in the provision of financial services. It offers commercial banking, mortgage lending, investments, and title services. The company was founded in 1864 and is headquartered in Grand Rapids, MI.

IndexRUT
Employees826
IPOSep 04, 1985
Beta0.72
ATR, 14d0.87
Rel volume0.55
Short float3.35%
Insider own4.61%
Inst own81.46%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap811.17M
Enterprise Value-
Income72.10M
Sales331.31M
Book/sh26.14
Cash/sh-
Dividend Est.1.12 (3.05%)
Dividend TTM1.12 (3.05%)
Dividend Ex-DateNov 03, 2026
Dividend Gr. 3/5Y5.73% 5.39%
Payout31.81%
Employees826
IPOSep 04, 1985

Ratios

P/E10.79
Forward P/E9.26
PEG1.16
P/S2.45
P/B1.41
P/C-
P/FCF25.80
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.18
Debt/Eq0.09
LT Debt/Eq0.09
Option/ShortYes / Yes

Earnings

EPS (ttm)3.41
EPS next Y3.97
EPS next Q0.93
EPS this Y2.64%
EPS next Y16.03%
EPS next 5Y8.02%
EPS past 3/5Y3.20% 5.29%
Sales past 3/5Y10.44% 7.90%
EPS Y/Y TTM4.64%
Sales Y/Y TTM2.79%
EPS Q/Q-4.59%
Sales Q/Q14.28%
EarningsOct 27 BMO
EPS/Sales Surpr.-2.95% 3.20%

Ownership

Insider Own4.61%
Insider Trans-0.65%
Inst Own81.46%
Inst Trans1.64%
ROA1.23%
ROE13.50%
ROIC11.49%
Gross Margin-
Oper. Margin26.70%
Profit Margin21.76%
SMA200.41%
SMA501.23%
SMA2003.52%
Trades-

Technical

Shs Outstand22.08M
Shs Float21.06M
Short Float3.35%
Short Ratio3.74
Short Interest0.71M
52W High39.24 -6.37%
52W Low29.83 23.16%
Volatility2.66% 2.28%
ATR (14)0.87
RSI (14)52.29
Beta0.72
Rel Volume0.55
Avg Volume188.92K
Volume104,579

Performance

Perf Week-1.37%
Perf Month4.46%
Perf Quarter-4.47%
Perf Half Y10.76%
Perf YTD12.94%
Perf Year18.14%
Perf 3Y76.46%
Perf 5Y50.39%
Perf 10Y107.57%
Recom2.20
Target Price41.20
Prev Close36.64
Price36.74
Change %0.27%

Analyst ratings

latest 9 of 9
DateActionAnalystRating changeTargetImplied
Oct 02, 2026UpgradePPiper SandlerNeutral → Overweight$42+14.3%
Jul 10, 2026UpgradeHHovde GroupMarket Perform → Outperform
Mar 04, 2024ResumedHHovde GroupMarket Perform
Dec 13, 2022DowngradeKKeefe BruyetteOutperform → Mkt Perform$26-29.2%
Oct 02, 2020ResumedBBoenning & ScattergoodNeutral
Jan 17, 2020DowngradeDDA DavidsonBuy → Neutral$26 → $24-34.7%
Jul 06, 2017InitiatedDDA DavidsonNeutral$23-37.4%
Sep 23, 2016InitiatedHHovde GroupMarket Perform$17.50-52.4%
Aug 11, 2015DowngradeFFIG PartnersOutperform → Market Perform

Peers

Mkt cap
TickerCompanyMkt cap
MBWMMercantile Bank Corp1.06B
COFSChoiceone Financial Services Inc547.27M
HBNCHorizon Bancorp Inc (IN)1.09B
ISBAIsabella Bank Corp343.17M
LKFNLakeland Financial Corp1.53B
FRMEFirst Merchants Corp2.57B
FMNBFarmers National Banc Corp917.30M
CIVBCivista Bancshares Inc598.58M
FMAOFarmers & Merchants Bancorp Inc505.02M
MSBIMidland States Bancorp Inc667.55M

Insider trading

12 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Kessel William BPresident & CEOSep 15 '26Sale37.282,00074,559157,836Sep 16 09:01 AM
Kessel William BOfficerSep 15 '26Proposed Sale37.282,00074,558Sep 15 04:06 PM
Kreter KristopherFirst Vice Pres. & ControllerAug 19 '26Sale37.1130011,1332,207Aug 20 10:43 AM
TWAROZYNSKI JAMES JSenior Vice PresidentAug 10 '26Sale37.6748918,4208,195Aug 10 04:00 PM
Ervin Patrick JExecutive Vice PresidentJun 09 '26Sale35.402,50088,50534,720Jun 10 08:16 AM
Ervin Patrick JOfficerJun 09 '26Proposed Sale34.752,50086,875Jun 09 03:26 PM
Kimball Stefanie MExecutive Vice PresidentMay 29 '26Sale34.411,40048,18164,327May 29 04:14 PM
Kruse Ronia FDirectorFeb 24 '26Buy35.271,20042,3242,200Feb 27 03:43 PM
Ervin Patrick JExecutive Vice PresidentDec 12 '25Sale34.643,000103,92234,157Dec 16 10:20 AM
Ervin Patrick JOfficerDec 12 '25Proposed Sale34.873,000104,610Dec 12 12:16 PM
Archer Dennis W. JrDirectorNov 21 '25Buy31.5750015,78711,500Nov 24 11:15 AM
TWAROZYNSKI JAMES JSenior Vice PresidentNov 21 '25Sale31.6448615,3758,436Nov 21 04:37 PM

Held by

AUM
TickerCompanyAUM
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
SCHDSchwab US Dividend Equity ETFAUM: 122.69B
IWMiShares Russell 2000 Index FundAUM: 77.38B
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.47B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
DFASU.S. Small Cap Portfolio-ETF Class SharesAUM: 15.51B
VIGVanguard Dividend Appreciation FTFAUM: 117.07B

News

latest 14 of 200
  • Independent Bank Tops Estimates As Organic Growth And Margin Accelerate, But Credit Creep And Slow Cost Saves Cloud The Highpoint Debut (Earnings Whispers)
  • Independent Bank: Q3 Earnings Snapshot (Associated Press)
  • Independent Bank Corporation Reports 2026 Third Quarter Earnings of $0.80 Per Diluted Share (GlobeNewswire)
  • Independent Bank Corporation Announces Quarterly Cash Dividend on Common Stock (GlobeNewswire)
  • Independent Bank Corporation Announces Date for Its Third Quarter 2026 Earnings Release (GlobeNewswire)
  • Independent Bank Corp. (IBCP) Q2 2026 Earnings Call Highlights: Strong Net Income and Loan ... (GuruFocus.com)
  • Independent Bank: Q2 Earnings Snapshot (Associated Press)
  • Independent Bank Corporation Reports 2026 Second Quarter Earnings of $0.90 per Diluted Share (GlobeNewswire)
  • Independent Bank Corp. (IBCP) Q2 2026 Earnings Report Preview: What To Expect (GuruFocus.com)
  • Independent Bank Corporation Appoints Nathan E. Tagg to Its Board of Directors (GlobeNewswire)
  • Independent Bank Corporation Announces Quarterly Cash Dividend on Common Stock (GlobeNewswire)
  • Independent Bank Corporation Announces Date for Its Second Quarter 2026 Earnings Release (GlobeNewswire)
  • Independent Bank Corporation Announces Completion of the HCB Financial Corp. and Highpoint Community Bank Acquisition (GlobeNewswire)
  • Independent Bank Corporation Announces Shareholder Approval to Acquire HCB Financial Corp. and Highpoint Community Bank (GlobeNewswire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-270.9200.9480.80071.0768.865
2026Q22026-07-230.9100.8440.90463.2460.085
2026Q12026-04-230.8500.7880.81258.9058.705
2025Q42026-01-220.8100.8420.89158.3158.735
2025Q32025-10-280.8600.8400.83757.3058.625
2025Q22025-07-240.8000.7920.80655.9457.115
2025Q12025-04-240.6800.7030.73754.1154.974
2024Q42025-01-230.6300.7650.87461.9755.144
2024Q32024-10-240.8200.7560.65451.3654.865
2024Q22024-07-250.7500.7020.87856.5253.425
2024Q12024-04-250.7400.6430.75952.7652.194
2023Q42024-01-250.8100.7000.65349.2153.944
2023Q32023-10-240.8200.6230.83155.0451.894
2023Q22023-07-250.6100.5920.69753.7750.195
2023Q12023-04-270.6300.5960.61048.9950.815
2022Q42023-01-260.7300.7360.70952.0754.955

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY1.2201.2400.946131.72132.94
2018FY1.7971.7751.676158.1159.05
2019FY2.2502.1072.003170.32174.32
2020FY2.5302.6422.527220.57211.4
2021FY2.8802.8482.884206.41205.95
2022FY2.4402.4372.975211.47207.93
2023FY3.0302.8182.790207.01211.13
2024FY2.9903.0283.165222.61215.96
2025FY3.3303.2963.270225.66229.29
2026FY-3.418--257.85
2027FY-3.966--286.69
2028FY-4.197--300.78

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-2742069.3668.8070.14
2026Q4S2026-10-0740068.4468.0369.00
2026Q4S2026-10-0641068.4468.0369.00
2026Q4S2026-09-3042068.4468.0369.00
2026Q4S2026-07-2742068.4868.1869.00
2026Q4S2026-07-2442068.4868.1869.00
2026Q4S2026-07-2341068.1367.3069.00
2026Q4S2026-07-0840067.8067.3068.70
2026Q4S2026-07-0741067.8067.3068.70
2026Q4S2026-06-2241067.8067.3068.70
2026Q4S2026-06-0241067.7066.9068.70
2026Q4S2026-04-2444067.7066.9068.70
2026Q4S2026-04-2343066.6563.3068.70
2026Q4S2026-04-0843066.7063.3068.70

Estimate history

EPS, annual0.9461.6762.0032.5272.8842.9752.793.1653.273.4054
Period201720182019202020212022202320242025TTM
EPS, quarterly0.6540.8740.7370.8060.8370.8910.8120.9040.799
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual142.157176.523195.796215.693218.96234.13289.699320.355315.391331.31
Period201720182019202020212022202320242025TTM
Sales, quarterly77.84786.21576.55378.35181.20179.3878.09181.04692.797
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual21.33423.5822.48221.85421.17121.06420.83620.89620.54922.081
Period201720182019202020212022202320242025MRQ
Shares, quarterly20.89420.89620.9720.71620.69220.54920.58620.60322.081
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income278.20269.74266.78239.68169.01138.08139.83148.93130.77
Total Interest Expense81.8389.72100.5383.3519.458.3116.2226.3517.49
Net Interest Income196.37180.01166.25156.33149.56129.76123.61122.58113.28
Loan Loss Provision9.816.134.476.215.34-1.9312.460.821.50
Net Interest Income After Loan Loss Provision186.56173.88161.78150.12144.22131.69111.15121.76111.78
Non-Interest Income53.1145.6553.5850.0265.1280.8875.8646.8745.75
Non-Interest Expense151.21138.24132.31126.47131.55135.26117.11110.86104.93
Operating Income88.4681.2983.0573.6877.7977.3169.9057.7652.60
Unusual Expense5.980.000.000.000.000.000.420.003.46
Net Income Before Taxes84.7581.2983.0573.6877.7977.3169.4857.7649.13
Income Taxes12.6512.7516.2614.6114.4414.4213.3311.329.29
Consolidated Net Income72.1068.5466.7959.0763.3562.9056.1546.4439.84
Net Income From Continuing Operations72.1068.5466.7959.0763.3562.9056.1546.4439.84
Net Income72.1068.5466.7959.0763.3562.9056.1546.4439.84
EPS (Recurring)3.413.273.162.792.972.882.542.001.78
EPS (Basic, Before Extraordinaries)3.443.303.202.823.002.912.562.031.70
EPS (Diluted)3.413.273.162.792.972.882.532.001.68
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense2.392.151.841.761.691.421.451.850.26
Price To Earnings Ratio10.7610.7611.839.148.408.297.2911.2712.53
Price To Sales Ratio2.382.162.291.902.182.381.902.682.83
Operating Margin26.7025.7725.9225.4333.2235.3132.4129.5029.80
Net Margin21.7621.7320.8520.3927.0628.7226.0323.7222.57
Shares Outstanding22.0820.5520.9020.8421.0621.1721.8522.4823.58
Market Capitalization808.96808.96727.74542.26503.88507.88404.21509.19506.71

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income77.3167.2966.1767.4269.2966.8866.1466.98
Total Interest Expense22.0619.3919.3121.0723.9322.2622.4624.13
Net Interest Income55.2647.9046.8546.3545.3644.6243.6942.85
Loan Loss Provision4.812.720.361.921.991.500.722.22
Net Interest Income After Loan Loss Provision50.4545.1946.4944.4343.3743.1242.9640.63
Non-Interest Income15.4813.7511.9211.9611.9111.4710.4119.24
Non-Interest Expense40.9835.5136.3838.3434.1033.9134.2539.15
Operating Income24.9623.4322.0318.0521.1820.6819.1320.72
Unusual Expense3.460.721.800.000.000.000.000.00
Net Income Before Taxes21.5022.7120.2320.3121.1820.6819.1322.77
Income Taxes3.653.903.351.743.673.803.544.31
Consolidated Net Income17.8518.8016.8818.5717.5016.8815.5918.46
Net Income From Continuing Operations17.8518.8016.8818.5717.5016.8815.5918.46
Net Income17.8518.8016.8818.5717.5016.8815.5918.46
EPS (Recurring)0.910.930.870.890.840.810.740.87
EPS (Basic, Before Extraordinaries)0.810.910.820.900.850.810.740.88
EPS (Diluted)0.800.900.810.890.840.810.740.87
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.580.680.540.590.450.500.600.95
Price To Earnings Ratio10.7910.7810.1810.0010.0910.319.7311.83
Price To Sales Ratio2.382.352.182.152.012.132.042.30
Operating Margin26.8928.9128.2122.7326.0826.3924.9824.03
Net Margin19.2423.2021.6123.4021.5521.5420.3621.41
Shares Outstanding22.0820.6020.5920.5520.6920.7220.9720.90
Market Capitalization811.16743.27685.59673.11641.48671.56645.75727.74

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks52.2356.9868.2170.1851.0756.0153.3023.3536.99
Investments948.301,022.321,202.481,262.641,592.221,262.50624.38585.55601.92
Net Loans4,212.843,979.453,736.243,412.922,857.792,698.252,698.882,557.631,996.23
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets0.900.940.570.460.240.771.861.301.64
Net Property, Plant & Equipment46.2743.4640.4341.4442.8843.7746.6938.7839.15
Interest Receivables19.0319.1119.0416.5112.8712.3110.1110.168.61
Deferred Tax Assets35.6738.3836.6742.7315.6312.0911.0512.0119.81
Other Intangible Assets201.41191.38172.95166.15143.31130.13127.40130.7389.72
Total Assets5,516.665,352.025,276.595,013.034,716.034,215.833,573.673,359.512,794.08
Total Deposits4,761.684,654.094,622.884,379.074,117.093,637.363,036.732,913.432,400.53
Total Debt124.39130.73134.38170.87115.56116.69136.4165.0990.17
Long Term Debt47.92129.42133.24108.34113.94115.0281.0854.9553.38
Provision for Risks Charges0.000.000.000.003.271.000.900.800.67
Deferred Tax Liabilities10.9413.9112.8713.2411.2911.828.976.234.72
Other Liabilities116.6998.60102.02102.2570.3359.4540.4934.9733.05
Total Liabilities5,013.714,897.334,872.154,665.434,317.553,826.313,223.503,020.512,529.14
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity502.95454.69404.45347.60398.48389.52350.17338.99264.93
Total Shareholders Equity502.95454.69404.45347.60398.48389.52350.17338.99264.93
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity502.95454.69404.45347.60398.48389.52350.17338.99264.93
Total Liabilities & Stockholders Equity5,516.665,352.025,276.595,013.034,716.034,215.833,573.673,359.512,794.08
Book Value Per Share24.4821.7619.4116.5018.8217.8215.5814.3812.42
Tangible Book Value Per Share23.0520.3317.9615.0417.3316.3314.0812.9012.34
Tier 1 Capital564.18527.62481.57447.30406.64379.39352.76345.42288.45
Tier 2 Capital57.3394.8392.4089.2581.8575.6827.6926.1823.71
Full-Time Employees826834832916986983994976911
Price to Book Ratio1.401.611.451.521.271.041.451.461.78
Return on Assets1.261.261.151.301.411.441.341.290.77
Return on Equity14.3115.5515.7116.9815.9615.1813.4813.197.97
Return on Invested Capital12.4411.4310.9913.8912.2711.1310.7710.116.43
Current Ratio0.150.140.070.050.080.110.090.090.08

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations93.4484.4287.3271.7770.9931.8116.5533.5142.95
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-49.36-7.76-24.17-18.21-11.205.501.705.54-4.65
Cash from Operating Activities44.0876.6663.1553.5659.8037.3118.2539.0538.30
Capital Expenditures-12.64-6.49-7.95-6.02-5.68-5.84-4.38-4.94-3.86
Net Assets From Acquisitions0.000.000.000.000.000.000.000.0023.52
Sale of Fixed Assets and Businesses132.290.000.961.651.830.061.130.070.11
Purchase or Sale of Investments50.93110.56137.81144.31120.55-362.25-512.91-13.2597.53
Purchase of Investments-107.50-26.46-3.63-1.74-140.21-824.35-859.07-237.67-114.36
Sale Or Maturity of Investments158.43137.02141.44146.05260.76462.10346.15224.42211.89
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources1.291.291.321.340.430.471.950.980.98
Cash from Investing Activities-159.89-122.50-118.16-140.91-389.76-490.22-513.47-186.71-176.75
Cash Dividends Paid-23.14-21.60-20.05-19.33-18.57-18.16-17.62-16.55-14.05
Change in Capital Stock-8.82-12.430.01-5.09-3.93-17.21-14.22-26.00-12.41
Repurchase of Common Pref Stock-8.82-12.430.00-5.16-4.01-17.27-14.23-26.28-12.68
Sale of Common Pref Stock0.000.000.010.070.080.060.010.280.27
Proceedsfrom Stock Options0.000.000.010.070.080.060.010.280.27
Issuance or Reduction of Debt, Net0.00-8.01-5.02-35.9856.00-0.00-19.4162.86-43.30
Change in Long Term Debt0.000.000.000.000.000.000.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.000.000.000.00
Net Financing Active Other Cash Flow-1.40-1.22-1.05-0.65-0.62-0.69-0.76-0.88-1.47
Other Financing Activities Uses-1.40-1.22-1.05-0.65-0.62-0.69-0.76-0.88-1.47
Cash from Financing Activities88.9464.345.11182.77294.86443.68548.62142.72153.95
Net Change in Cash-26.8718.50-49.9095.41-35.10-9.2353.40-4.9415.51
Free Cash Flow31.4470.1755.2047.5354.1231.4713.8634.1134.44
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow94.8314.0420.9119.5314.3339.08-29.9024.51
Federal Home Loan Advances Increase (Decrease)--2.000.720.830.770.00-0.070.00-2.04

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks68.2864.0948.4852.2356.3874.35
Investments994.66942.29974.53948.301,038.20975.40
Net Loans4,823.434,348.194,244.384,212.844,135.824,103.21
Investment in Unconsolidated Affiliates0.001.090.000.000.000.00
Net Property, Plant & Equipment63.7651.3549.3246.2745.2845.31
Interest Receivables19.0319.1618.8619.0319.2719.50
Deferred Tax Assets---35.67--
Other Intangible Assets293.72236.96221.17201.41197.57200.32
Total Assets6,263.635,663.845,557.515,516.665,493.115,418.52
Total Deposits5,521.394,862.134,880.684,761.684,859.154,659.36
Total Debt50.73173.9474.11124.3948.57188.47
Long Term Debt50.38173.2373.0247.9248.23187.77
Provision for Risks Charges0.000.000.000.000.000.00
Deferred Tax Liabilities---10.94--
Other Liabilities114.2199.3692.17116.6994.65101.44
Total Liabilities5,686.345,135.435,046.965,013.715,002.374,949.27
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity577.30528.41510.55502.95490.74469.25
Total Shareholders Equity577.30528.41510.55502.95490.74469.25
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity577.30528.41510.55502.95490.74469.25
Total Liabilities & Stockholders Equity6,263.635,663.845,557.515,516.665,493.115,418.52
Book Value Per Share26.1425.6524.8024.4823.7222.65
Tangible Book Value Per Share23.1024.2423.3823.0522.2921.23
Tier 1 Capital619.28588.56575.25564.18554.77542.40
Tier 2 Capital64.8558.9257.4957.3356.0387.57
Full-Time Employees---826--
Price to Book Ratio1.411.451.361.371.371.45
Return on Assets1.231.291.281.261.271.21
Return on Equity13.5014.3814.2814.3114.5114.39
Return on Invested Capital2.842.682.893.373.252.57
Current Ratio0.180.180.200.150.230.16

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations30.2425.3611.4426.3923.4017.41
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-5.08-5.08-20.60-18.60-5.201.88
Cash from Operating Activities25.1620.28-9.167.7918.2019.28
Capital Expenditures-3.04-3.56-4.61-1.44-1.66-2.28
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses132.250.020.020.000.000.00
Purchase or Sale of Investments1.045.4421.8222.6127.0124.38
Purchase of Investments-68.03-27.53-5.43-6.51-10.45-8.51
Sale Or Maturity of Investments69.0832.9727.2629.1237.4632.89
Other Uses0.000.000.000.000.000.00
Other Sources-0.000.860.000.43-0.000.43
Cash from Investing Activities7.26-104.89-16.70-45.56-9.63-70.95
Cash Dividends Paid-6.21-5.77-5.77-5.38-5.38-5.39
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-4.160.000.00-4.66-0.41-7.32
Repurchase of Common Pref Stock-4.160.000.00-4.66-0.41-7.32
Sale of Common Pref Stock0.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-125.00100.00-49.9975.00-140.0056.99
Change in Long Term Debt0.000.000.000.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.00
Net Financing Active Other Cash Flow-0.00-0.53-0.85-0.01-0.04-0.03
Other Financing Activities Uses-0.00-0.53-0.85-0.01-0.04-0.03
Cash from Financing Activities-16.0675.1462.38-32.5353.9669.68
Net Change in Cash16.36-9.4636.53-70.3062.5318.01
Free Cash Flow22.1216.72-13.776.3616.5417.00
Price to Free Cash Flow94.83211.17164.0913.9611.7912.46

Revenue breakdown

ATM Fees2024: 1.65M 2025: 1.58M
Account Service Charges2024: 2.36M 2025: 2.64M
Asset Management2024: 1.85M 2025: 1.64M
Interchange Income2024: 13.99M 2025: 13.86M
Other2024: 1.20M 2025: 1.11M
Overdraft Fees2024: 9.51M 2025: 9.39M
Transaction Based2024: 1.42M 2025: 1.87M
United States2024: 31.98M 2025: 32.08M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-303.35%0.7M21.1M190.06K
2026-10-153.16%0.7M21.2M197.44K
2026-09-303.65%0.8M21.1M193.83K
2026-09-153.59%0.8M21.1M194.75K
2026-08-313.30%0.7M21.1M192.05K
2026-08-142.99%0.6M21.1M182.69K
2026-07-312.58%0.5M21.1M183.54K
2026-07-152.69%0.5M19.6M166.45K
2026-06-303.70%0.7M19.6M165.71K
2026-06-153.22%0.6M19.6M180.04K
2026-05-293.31%0.6M19.6M180.42K
2026-05-153.01%0.6M19.6M190.47K
2026-04-302.86%0.6M19.6M183.94K
2026-04-152.52%0.5M19.6M181.40K
2026-03-313.29%0.6M19.6M173.01K
2026-03-132.40%0.5M19.6M143.68K
2026-02-271.98%0.4M19.6M141.44K
2026-02-131.10%0.2M19.7M139.98K
2026-01-300.84%0.2M19.7M132.29K
2026-01-150.90%0.2M19.7M136.57K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call17.5017.2021.500.005.5830.000.000.967-0.0670.004
call20.0014.7019.0013.664.7950.000.000.961-0.0650.005
call22.5012.5016.500.004.1060.000.000.893-0.1860.010
call25.0010.0014.000.003.4890.000.000.873-0.1770.012
call30.005.009.000.002.3950.000.000.813-0.1500.015
call35.000.104.901.951.7892.000.000.644-0.1330.021
call40.000.004.600.350.4935.000.000.171-0.0450.014
call45.000.004.600.000.9130.000.000.088-0.0470.009
call50.000.004.600.001.2490.000.000.068-0.0530.008
put17.500.004.600.002.9370.000.00-0.032-0.0680.004
put20.000.000.250.003.6210.000.00-0.094-0.1850.010
put22.500.004.600.003.1500.000.00-0.106-0.1870.010
put25.000.004.600.002.6400.000.00-0.126-0.1770.012
put30.000.004.600.001.7250.000.00-0.187-0.1490.015
put35.000.001.151.300.8532.000.00-0.355-0.1320.021
put40.001.005.304.901.4471.000.00-0.829-0.0440.014
put45.006.0010.400.002.1030.000.00-0.911-0.0450.009
put50.0011.0015.200.002.4750.000.00-0.931-0.0510.008

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-048-KCurrent report2026-11-04SEC
2026-11-0410-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-30SCHEDULE 13G/ASEC
2026-10-278-KCurrent report2026-10-27SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-10-01SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-08-14SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-15144Filing for proposed sale of securities under Rule 144.SEC
2026-08-204Statement of changes in beneficial ownership of securities2026-08-19SEC
2026-08-104Statement of changes in beneficial ownership of securities2026-08-10SEC
2026-08-0510-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-044Statement of changes in beneficial ownership of securities2026-07-31SEC
2026-07-273Initial statement of beneficial ownership of securities2026-07-21SEC
2026-07-278-KCurrent report2026-07-21SEC
2026-07-238-KCurrent report2026-07-23SEC
2026-07-024Statement of changes in beneficial ownership of securities2026-05-14SEC
2026-07-024Statement of changes in beneficial ownership of securities2026-05-14SEC
2026-07-024Statement of changes in beneficial ownership of securities2026-05-14SEC
2026-07-024Statement of changes in beneficial ownership of securities2026-05-14SEC
2026-07-024Statement of changes in beneficial ownership of securities2026-05-14SEC
2026-07-024Statement of changes in beneficial ownership of securities2026-05-14SEC
2026-07-024Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-07-024Statement of changes in beneficial ownership of securities2026-05-14SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090074.56K1
2026-080029.55K2
2026-070000
2026-060088.50K1
2026-050048.18K1
2026-040000
2026-030000
2026-0242.32K100
2026-010000
2025-1200103.92K1
2025-1115.79K115.38K1

Institutional holders

Manager% owned
BlackRock, Inc.14.49%
VANGUARD CAPITAL MANAGEMENT LLC4.27%
DIMENSIONAL FUND ADVISORS LP4.06%
STATE STREET CORP4.00%
AMERICAN CENTURY COMPANIES INC3.79%
ACADIAN ASSET MANAGEMENT LLC3.50%
CHARLES SCHWAB INVESTMENT MANAGEMENT INC3.39%
RENAISSANCE TECHNOLOGIES LLC3.00%
GEODE CAPITAL MANAGEMENT, LLC2.47%
GOLDMAN SACHS GROUP INC2.02%

Funds

Fund% owned
Avantis U.S. Small Cap Value ETF3.16%
VANGUARD TOTAL STOCK MARKET INDEX FUND3.02%
iShares Russell 2000 ETF2.56%
Schwab U.S. Dividend Equity ETF2.51%
State Street(R) SPDR(R) S&P(R) Regional Banking ETF1.22%
VANGUARD EXTENDED MARKET INDEX FUND1.15%
JPMorgan Small Cap Blend Fund1.14%
Fidelity Small Cap Index Fund1.07%
Allspring Small Company Value Portfolio0.97%
iShares Russell 2000 Value ETF0.91%

OakChart. IBCP. Cached 15 minutes.