INDEPENDENT BANK CORP /MI/(IBCP)Stock Analysis
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Rank #1,166 of 2,879 stocksTOP 50%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
IBCP Stock Analysis & AI Quality Score
AI stock analysis and institutional research for INDEPENDENT BANK CORP /MI/ (IBCP), a Financials sector company. 13F Pro's AI-powered ranking engine scores IBCP at 55.3/100 on a 32-signal composite quality model, placing it at rank #1,166 of 2,879 stocks — the top half of the AI-ranked universe. IBCP scores in the top quartile across free cash flow (97.4), profitability (97.3). Areas of concern include revenue scale (8.2) and revenue growth (36.7), which score below median versus the broader universe. Shareholder dilution risk is elevated at 18.9/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q4 2025), INDEPENDENT BANK CORP /MI/ reports quarterly revenue of $58.3M, net income of $18.6M, an operating margin of 34.8%. Top institutional holders of IBCP by reported 13-F value include BlackRock,, VANGUARD CAPITAL MANAGEMENT, DIMENSIONAL FUND ADVISORS, 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. INDEPENDENT BANK CORP /MI/'s 13F Pro composite quality score has ranged between 55 and 62 since 2024, currently 55.3 — a declining long-term trajectory across 15 quarterly and live scoring snapshots.
Revenue
Q4 2025
$58.3M
Net Income
Q4 2025
$18.6M
Free Cash Flow
Q4 2025
$6.4M
Operating Margin
Q4 2025
34.8%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
-7.4% YoYNet Income
+20.9% YoYEPS (Diluted)
+26.5% YoYTotal Assets
+17.9% YoYOp. Cash Flow
+70.1% YoY| Metric | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|
| Revenue | $24.0M -7.4% | $26.0M -4.3% | $27.1M | — | — | — |
| Net Income | $56.2M +20.9% | $46.4M +16.6% | $39.8M +94.6% | $20.5M -10.1% | $22.8M +13.7% | $20.0M |
| EPS (Diluted) | $2.53 +26.5% | $2.00 +19.0% | $1.68 +76.8% | $0.95 -9.5% | $1.05 +22.1% | $0.86 |
| Total Assets | $4.20B +17.9% | $3.56B +6.3% | $3.35B +20.2% | $2.79B +9.4% | $2.55B +5.8% | $2.41B |
| Operating Cash Flow | $58.7M +70.1% | $34.5M -23.2% | $44.9M +16.4% | $38.6M +62.9% | $23.7M +3.7% | $22.9M |
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Available Research
13F Pro tracks comprehensive data for INDEPENDENT BANK CORP /MI/ including:
Top Institutional Holders of IBCP
BlackRock, Inc.
$96.3M2,893,079 shVANGUARD CAPITAL MANAGEMENT LLC
$30.1M905,200 shDIMENSIONAL FUND ADVISORS LP
$28.7M861,147 shAMERICAN CENTURY COMPANIES INC
$23.8M713,263 shSTATE STREET CORP
$23.7M713,186 shCHARLES SCHWAB INVESTMENT MANAGEMENT INC
$20.7M623,027 shRENAISSANCE TECHNOLOGIES LLC
$19.4M582,291 shFMR LLC
$18.9M566,153 shGOLDMAN SACHS GROUP INC
$18.1M543,150 shGEODE CAPITAL MANAGEMENT, LLC
$16.8M503,430 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $96.3M | 2,893,079 |
| VANGUARD CAPITAL MANAGEMENT LLC | $30.1M | 905,200 |
| DIMENSIONAL FUND ADVISORS LP | $28.7M | 861,147 |
| AMERICAN CENTURY COMPANIES INC | $23.8M | 713,263 |
| STATE STREET CORP | $23.7M | 713,186 |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $20.7M | 623,027 |
| RENAISSANCE TECHNOLOGIES LLC | $19.4M | 582,291 |
| FMR LLC | $18.9M | 566,153 |
| GOLDMAN SACHS GROUP INC | $18.1M | 543,150 |
| GEODE CAPITAL MANAGEMENT, LLC | $16.8M | 503,430 |
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Popular Research
Is IBCP a good stock to buy?
13F Pro's AI-powered analysis of INDEPENDENT BANK CORP /MI/ (IBCP) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for IBCP are available on the IBCP stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own IBCP?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling IBCP. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of INDEPENDENT BANK CORP /MI/'s investment landscape.