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IBCP
Volume: 65.68K
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Independent Bank (IBCP) Stock Forecast & Price Target

Independent Bank (IBCP) Analyst Ratings

Based on 4 analyst ratings
Hold
Strong Buy 0%
Buy 25%
Hold 75%
Sell 0%
Strong Sell 0%

Bulls say

Independent Bank Corp demonstrated a positive financial trajectory with a net interest income (NII) increase of 2.4% quarter-over-quarter, reaching $42.85 million, aligning with forecasts and highlighting the bank's effective lending strategies. The margin expanded by 8 basis points to 3.45%, exceeding expectations and suggesting improved operational efficiency. Additionally, the bank's robust loan and deposit growth, particularly in commercial banking, along with management's guidance for a significant net interest income increase of 8.5% for 2025, reinforces a favorable outlook for the company.

Bears say

Independent Bank Corp reported a decline in pre-provision net revenue (PPNR) to $18.9 million from $23.2 million, falling short of expectations primarily due to increased expenses, which overshadowed the slight improvement in net interest income (NII). Additionally, the bank experienced a significant loss of $3.1 million in the third quarter of 2024, attributed to higher fair value adjustments, further compounded by a forecasted decline in fee income for 2025, which is expected to drop by 14% to 14.5%. The tangible common equity (TCE) ratio also decreased by 10 basis points quarter-over-quarter to 8.0%, raising concerns about the bank's ability to navigate increasing economic headwinds that could negatively impact growth, margins, and credit trends in the coming years.

Independent Bank (IBCP) has been analyzed by 4 analysts, with a consensus rating of Hold. 0% of analysts recommend a Strong Buy, 25% recommend Buy, 75% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of Independent Bank and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Independent Bank (IBCP) Forecast

Analysts have given Independent Bank (IBCP) a Hold based on their latest research and market trends.

According to 4 analysts, Independent Bank (IBCP) has a Hold consensus rating as of Jul 12, 2025. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $31, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $31, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Independent Bank (IBCP)

Volume: 65.68K

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