IBCP Company Profile and Key Details

Short-term trend indicators are bearishly aligned (SMA20 6.31%, SMA50 7.63%, SMA200 12.74%). The stock’s 14-day RSI is 66.39 (firm momentum), while the ATR of 1.05 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -2.18% below its high and over 35.78% above its low. Average 10-day trading volume of 127.50 thousand shares is in line with the 3-month average of 126.96 thousand, indicating normal recent market interest.

Independent Bank Corporation generated EPS of $3.27 over the past year. Five-year average earnings growth is 5.29%. The latest quarter delivered EPS of $0.84. The next quarter is forecast at $0.79. Next year's EPS is expected at -$5.68. Analyst sentiment is neutral. Analyst rating data shows there are 0 Strong Buy ratings, 0 Buy ratings, 2 Hold ratings, 0 Sell rating and 0 Strong Sell ratings. Price targets range from $39.00 to $37.00. The high target offers 7.38% upside. The low target suggests 1.87% downside. The mean target is $38.00. This offers 4.63% upside. Independent Bank Corporation earnings surprise history is a consistent trend of beating forecasts. The quarter that ended October 28, 2025, missed forecasts by 0.84%. The prior quarter beat by 3.85%. Over the last six quarters, Apple has recorded several small beats. These include 23.94% in July 25, 2024.

Independent Bank Corporation has 20.71 million shares outstanding. The public float is 20.22 million shares, elevated short interest at 0.82% of float. This equals 136.06 thousand shares. The short ratio is 1.71 days. Institutional investors hold 89.27% of the float. Insiders own 4.88%. Kimball Stefanie M holds 62.39 thousand shares, Beia Terance L has 40.00 thousand shares and Ervin Patrick J has 34.16 thousand shares. Over the past six months, insider transactions show net selling. They sold 4.89 thousand shares across 3 transactions.

Independent Bank Corporation last paid a dividend of 1.04 per share, this equals a trailing yield of roughly 2.92%. Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $39.66. This means the shares are trading below this model’s fair value.

Independent Bank Corporation (NASDAQ:IBCP) closed at $36.32 USD, losing -$0.02 (-0.06%) from the previous close of $36.34. The stock is currently within 5% of its 52-week high $26.75 and $37.13. With a market capitalization of about $751.53 million, Independent Bank Corporation is classified as a small-cap and shows lower-than-market volatility (beta ~0.78). Key stats such as the average daily volume over the past year has been around 130.91 thousand shares, in line with its 52-week average. Headquartered in Grand Rapids, MI, Independent Bank Corporation operates in the Financial Services sector and the Banks - Regional industry. Led by CEO William Bradford Kessel, the company employs approximately 732 people and listed since September 04, 1985. Independent Bank Corporation operates as the bank holding company for Independent Bank that provides various banking services to individuals and businesses.

Independent Bank Corporation trades at a P/E ratio of 10.85, slightly below the S&P 500 average, with a price-to-sales ratio of 2.41 and a price-to-book ratio of 1.48 suggesting the stock is closer to book value. The P/FCF stands at 9.79, also below market averages.

Our AI price prediction model suggests that Independent Bank Corporation stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected increase of 3.36%, with price expected at $37.54 by February 16, 2026, within a range of $36.86 to $38.18 3-Month Outlook: Projected rise of 1.6%, reaching $36.90 by May 01, 2026, with a range of $35.32 to $38.40. 1-Year Outlook: Projected gain of 13.6%, with price at $41.26 by February 02, 2027, within a range of $39.87 to $42.59.

Independent Bank Corporation (NASDAQ:IBCP) shares are flat 2.55% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows Independent Bank Corporation trading at a premium to the broader market with a P/E of 10.85. Analyst sentiment is mixed, with the majority of ratings in Neutral territory and a mean price target of $31.00, suggesting -14.65% downside. Our AI forecast model points to short-term strength (3.36% over two weeks), a medium-term rise (1.6% over three months), and a longer-term gain (13.6% over one year), with expected trading ranges indicating moderate volatility.