IBCP Q2 2025 Earnings — Independent Bank Corporation Revenue & Financial Results | Market Cap Arena

IBCPIndependent Bank Corporation

$704M

Q2 2025 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$76M-4.3% YoY

Gross Profit

$53M69.4% margin

Operating Income

$21M27.1% margin

Net Income

$17M22.1% margin

EPS (Diluted)

$0.81

QoQ Revenue Growth

+2.1%

Cash Flow

Operating Cash Flow

$19M

Free Cash Flow

$17M

Stock-Based Comp.

$639,000

Balance Sheet

Total Assets

$5.4B

Total Liabilities

$4.9B

Stockholders' Equity

$469M

Cash & Equivalents

$146M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$76M	$80M	-4.3%
Gross Profit	$53M	$55M	-3.5%
Operating Income	$21M	$23M	-10.7%
Net Income	$17M	$19M	-8.9%

Revenue Segments

Interchange Income

$3M28%

Service Charges On Deposits

$3M25%

Overdraft Fees

$2M18%

Investment And Insurance Commissions

$810,0007%

Other Deposit Related Income

$697,0006%

Account Service Charges

$673,0006%

Transaction Based Revenue

$420,0003%

ATM Fees

$401,0003%

Asset Management Revenue

$390,0003%

Other

$169,0001%