Independent Bank Corp.

INDB | NASDAQ

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$81.20

-$1.04 (-1.26%)

At close: Sep 21, 2026, 4:00 PM ET

$81.20

$0 (0.00%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $3.97B

Enterprise Value $4.37B

Beta 0.78

Average Volume 349.6K

Shares Outstanding (Diluted) 48.05M

Shares Change YoY 12.69%

Institutional Ownership 84.13%

Exchange NASDAQ

ISIN US4538361084

Price Performance

Price Change 1M -2.9%

Price Change 3M -2.1%

Price Change 6M 8.3%

Price Change YTD 10.9%

Price Change 1Y 15.8%

Price Change 3Y 68.5%

Price Change 5Y 9.8%

1M CAGR (ann.) -2.1%

1Y CAGR (ann.) 20.6%

5Y CAGR (ann.) 6.6%

All-Time CAGR 7.7%

Valuation

PE Ratio 14.66

Forward PE 9.68

PEG Ratio 0.59

Forward PEG 0.93

PS Ratio 3.13

Forward PS 3.60

PB Ratio 1.12

P/FCF Ratio 11.26

P/Adj. FCF Ratio 11.57

P/OCF Ratio 12.14

EV/Sales 3.48

EV/EBIT 15.37

EV/EBITDA 13.62

EV/FCF 12.55

Earnings Yield 6.8%

FCF Yield 8.9%

Adj. FCF Yield 8.6%

Financial Health

Net Debt $449.49M

Total Debt $701.47M

Cash & Short-Term Investments $251.97M

Total Assets $24.97B

Current Ratio 0.01

Quick Ratio 0.01

Debt / Equity Ratio 0.20

Debt / EBITDA 2.19

Debt / FCF 2.02

OCF / Debt 0.51

Interest Coverage 0.85

Altman Z-Score -0.79

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 70.4%

Operating Profit Margin 22.7%

EBITDA Margin 25.6%

Net Profit Margin 21.6%

FCF Margin 27.8%

Adj. FCF Margin 27.0%

SBC / Revenue 1.0%

SBC Impact (per share) -2.7%

Returns

Return on Assets 1.1%

Return on Equity 7.7%

Return on Invested Capital -1.2%

Return on Capital Employed 6.7%

Return on Tangible Assets 1.1%

Historical Growth (CAGR)

Revenue CAGR 3Y 13.8%

Revenue CAGR 5Y 20.5%

Revenue CAGR 10Y 14.7%

EPS CAGR 3Y -2.8%

EPS CAGR 5Y 4.2%

EPS CAGR 10Y 6.6%

FCF CAGR 3Y -2.8%

FCF CAGR 5Y 21.9%

FCF CAGR 10Y 17.1%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 15

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 14, 2026

EPS Estimate (next Q) $1.85

EPS Growth Est (next Q) 19.4%

Revenue Est (next Q) $262.61M

Revenue Growth Est (next Q) 7.7%

Fair Value Estimates

Graham Number $95.45

Graham Upside 17.6%

Lynch Fair Value $27.70

Lynch Upside -65.9%

Price Target $93.33

Price Target Upside 14.9%

Cash Flow

Operating Cash Flow $355.04M

Free Cash Flow $348.06M

Adj. Free Cash Flow $338.66M

FCF Per Share $6.50

OCF Per Share $6.69

OCF/S Ratio 25.7%

Income Statement

Revenue $1.25B

Gross Profit $882.54M

Operating Income $284.15M

EBITDA $320.71M

Net Income $271.35M

EPS (Diluted) $5.54

Revenue / Employee $546.51K

Profit / Employee $118.29K

Employees 2,294

Dividends

Annual Dividend $2.46

Dividend Yield 3.03%

Payout Ratio 44.4%

FCF Payout Ratio 31.2%

Adj. FCF Payout Ratio 32.1%

Dividend Growth (YoY) 6.0%

Pay Frequency Quarterly

Ex-Dividend Date Sep 27, 2026