Independent Bank Corp.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Independent Bank Corp.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 18% in 3 years, but profit fell: $46 less profit per $100 of extra sales. Lower than 91% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 1/3Sales grew in 2 of the last 3 years; profit grew in 1 of 3.
Less steady than 71% of Financial Services companies in United States.
Growth Efficiency Ratio
−$46Sales grew 18% in 3 years, but profit fell: $46 less profit per $100 of extra sales.
Lower than 91% of Financial Services companies in United States.
Asset Productivity Ratio
+18% / +29%In 3 years sales changed by +18% while total assets changed by +29%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
95%Of every $100 the company owns, $95 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 74% of Financial Services companies in United States.
Tangible Net Worth Ratio
66%Of every $100 of net worth, $66 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 76% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Independent Bank Corp. owes $0.86 for every $1 it owns. Net profit rose 7% in the year to Dec 2025, and shrank 8% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
12.3Investors pay $12.3 for every $1 of Independent Bank Corp.'s yearly profit, lower than 54% of Financial Services companies in United States.
P/B ratio
1.13The share price is 1.13 times Independent Bank Corp.'s book value per share, lower than 62% of Financial Services companies in United States.
Market cap
$4.0 BThe total market value of all of Independent Bank Corp.'s shares at today's price (share price × number of shares), larger than 76% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$3.5 BWhat Independent Bank Corp. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$74.15Net worth divided by the number of shares. The share price of $83.43 is 1.1 times this, which is the P/B above.
Return on equity (ROE)
9.3%Independent Bank Corp. earned 9.3% on its shareholders' money over the last year, lower than 59% of Financial Services companies in United States.
Owes vs Owns
0.86×Independent Bank Corp. owes $0.86 for every $1 it owns (high), higher than 55% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
3.15%Independent Bank Corp. pays 3.15% of its share price as dividends a year, higher than 57% of dividend-paying Financial Services companies in United States.
Revenue growth
+24%Revenue rose 24% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Profit growth
+7%Net profit rose 7% in the year to Dec 2025, and shrank 8% a year on average over 3 years.
Profit margin
24.2%Independent Bank Corp. keeps $24 of every $100 of revenue as net profit.
Questions
What is Independent Bank Corp.'s P/E ratio?
Investors pay $12.3 for every $1 of Independent Bank Corp.'s yearly profit, lower than 54% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Independent Bank Corp.: $4.0 B ÷ $3.5 B (30 Jun 2026) = 1.1.
What is Independent Bank Corp.'s return on equity?
Independent Bank Corp. earned 9.3% on its shareholders' money over the last year, lower than 59% of Financial Services companies in United States.
How much does Independent Bank Corp. owe compared with what it owns?
Independent Bank Corp. owes $0.86 for every $1 it owns (high), higher than 55% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Independent Bank Corp. pay a dividend?
Yes. Independent Bank Corp. pays 3.15% of its share price as dividends a year, higher than 57% of dividend-paying Financial Services companies in United States.
Is Independent Bank Corp.'s revenue growing?
Revenue rose 24% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.