INDEPENDENT BANK CORP /MI/(IBCP)— Stock Profile, AI Score & Financials

Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .

INDEPENDENT BANK CORP /MI/ (IBCP) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores IBCP at 45.1/100 on a 32-signal composite quality model, placing it at rank #1,883 of 2,960 stocks — the bottom half of the AI-ranked universe. IBCP scores in the top quartile across profitability (89.7). Areas of concern include institutional flow (8.6) and earnings quality (21.6), which score below median versus the broader universe. Shareholder dilution risk is elevated at 18.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), INDEPENDENT BANK CORP /MI/ reports quarterly revenue of $63.2M, net income of $18.8M, an operating margin of 35.9%. Top institutional holders of IBCP by reported 13-F value include BlackRock, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. IBCP trades on the Nasdaq exchange and files with the SEC under CIK 39311. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate IBCP daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for INDEPENDENT BANK CORP /MI/ directly from SEC EDGAR.

AI Quality Score

45.1/100

AI Rank

#1,883

Revenue

$63.2M

Net Income

$18.8M

Free Cash Flow

$16.7M

Operating Margin

35.9%

IBCP key financials by period

INDEPENDENT BANK CORP /MI/ reported revenue, net income and margins by fiscal period, from SEC filings.
PeriodFormRevenueNet incomeOperating margin
FY 202510-K$225.7M$68.5M36.0%
FY 202410-K$222.6M$66.8M37.3%
FY 202310-K$207.0M$59.1M35.6%
FY 202210-K$211.5M$63.4M36.8%
FY 202110-K$206.4M$62.9M37.5%
FY 202010-K$204.4M$56.2M34.0%

Institutions holding IBCP

Institutional investors reporting a position in INDEPENDENT BANK CORP /MI/ on SEC Form 13F.
InstitutionSharesValueReported
BlackRock2,984,939$107.7M2026-06-30
DIMENSIONAL FUND ADVISORS890,443$32.1M2026-06-30
VANGUARD CAPITAL MANAGEMENT879,625$31.7M2026-06-30
STATE STREET824,463$29.7M2026-06-30
AMERICAN CENTURY COMPANIES780,992$28.2M2026-06-30
ACADIAN ASSET MANAGEMENT756,325$27.3M2026-06-30
CHARLES SCHWAB INVESTMENT MANAGEMENT697,724$25.2M2026-06-30
RENAISSANCE TECHNOLOGIES617,500$22.3M2026-06-30
GEODE CAPITAL MANAGEMENT537,677$19.4M2026-06-30
GOLDMAN SACHS GROUP415,987$15.0M2026-06-30
IBCP

INDEPENDENT BANK CORP /MI/

IBCP
NasdaqSmall CapFinancials

13F Pro Quality Score

45.1/100

Rank #1,883 of 2,960 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

40.0/100

Profitability

89.7/100

Balance Sheet

47.0/100

Earnings Quality

21.6/100

Free Cash Flow

66.8/100

Institutional Flow

8.6/100

Revenue Scale

26.1/100

Dilution Risk

18.1/100

Price Chart

Email me the moment this company reports earnings
AI Research Report
Two-page plain-English analysis: business, thesis, and three scenarios for the next two years. Refreshed every quarter.
Upgrade to Pro
Pro: 5 reports/month · Pro+: unlimitedOpinion, not investment advice. Do your own research.
Reading the latest SEC filing… (first load can take ~20s)

Key Metrics

Revenue

Q2 2026
EDGAR

$63.24M

Net Income

Q2 2026
EDGAR

$18.80M

EPS (Diluted)

Q2 2026
EDGAR

$0.90

Operating Margin

Q2 2026
EDGAR

35.9%

ROIC

Q2 2026
EDGAR

17.2%

Free Cash Flow

Q2 2026
EDGAR

$16.72M

Top Institutional Holders

as of Q2 2026
$649.36M total

Financial Trends

Revenue & Net Income

Earnings Per Share

Loading ratio trend…