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IBCP Q3 2025 Earnings — Independent Bank Corporation Revenue & Financial Results | Market Cap Arena
IBCP
Independent Bank Corporation
$704M
Q3 2025 Earnings
Financial Services
Banks - Regional
Income Statement
Revenue
$79M
+4.4% YoY
Gross Profit
$53M
67.4% margin
Operating Income
$21M
26.7% margin
Net Income
$18M
22.0% margin
EPS (Diluted)
$0.84
QoQ Revenue Growth
+4.0%
Cash Flow
Operating Cash Flow
$18M
Free Cash Flow
$17M
Stock-Based Comp.
$571,000
Balance Sheet
Total Assets
$5.5B
Total Liabilities
$5.0B
Stockholders' Equity
$491M
Cash & Equivalents
$209M
Year-over-Year Comparison
Metric
Current
Year Ago
Change
Revenue
$79M
$76M
+4.4%
Gross Profit
$53M
$48M
+11.5%
Operating Income
$21M
$17M
+22.5%
Net Income
$18M
$14M
+26.7%
Revenue Segments
Interchange Income
$4M
31%
Service Charges On Deposits
$3M
23%
Overdraft Fees
$2M
17%
Investment And Insurance Commissions
$940,000
7%
Other Deposit Related Income
$692,000
5%
Account Service Charges
$685,000
5%
Transaction Based Revenue
$527,000
4%
Asset Management Revenue
$413,000
3%
ATM Fees
$413,000
3%
Other
$153,000
1%
← FY 2025
All Quarters
Q4 2025 →