IBCP Q3 2025 Earnings — Independent Bank Corporation Revenue & Financial Results | Market Cap Arena

IBCPIndependent Bank Corporation

$704M

Q3 2025 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$79M+4.4% YoY

Gross Profit

$53M67.4% margin

Operating Income

$21M26.7% margin

Net Income

$18M22.0% 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

$4M31%

Service Charges On Deposits

$3M23%

Overdraft Fees

$2M17%

Investment And Insurance Commissions

$940,0007%

Other Deposit Related Income

$692,0005%

Account Service Charges

$685,0005%

Transaction Based Revenue

$527,0004%

Asset Management Revenue

$413,0003%

ATM Fees

$413,0003%

Other

$153,0001%