IBCP (Independent Bank) Ending Cash Position: $174.9 Mil (As of Mar. 2026)

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IBCP Independent Bank Corp. IBCP
62 GF Score
Price $38.65
GF Value $32.29
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Independent Bank Ending Cash Position?

Independent Bank IBCP -0.05% 62 Ending Cash Position is $174.9 Mil as of Mar. 2026. GuruFocus rates IBCP with a GF Score™ of 62/100 and a GF Value™ of $32.29 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Independent Bank's Ending Cash Position for the quarter that ended in Mar. 2026 was $174.9 Mil.

Independent Bank's quarterly Ending Cash Position declined from Sep. 2025 ($208.7 Mil) to Dec. 2025 ($138.4 Mil) but then increased from Dec. 2025 ($138.4 Mil) to Mar. 2026 ($174.9 Mil).

Independent Bank's annual Ending Cash Position declined from Dec. 2023 ($169.8 Mil) to Dec. 2024 ($119.9 Mil) but then increased from Dec. 2024 ($119.9 Mil) to Dec. 2025 ($138.4 Mil).

Independent Bank Ending Cash Position Related Terms

Independent Bank Ending Cash Position Historical Data

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The historical data trend for Independent Bank's Ending Cash Position can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Independent Bank Ending Cash Position Chart

Independent Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Ending Cash Position
Get a 7-Day Free Trial Premium Member Only Premium Member Only 109.47 74.37 169.78 119.88 138.39

Independent Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Ending Cash Position Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 146.16 208.69 138.39 174.92 0.00
IBCP
62GF Score
Independent Bank Corp. IBCP
Ending Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
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Independent Bank Ending Cash Position Calculation

Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. It is equal to the Beginning Cash Position plus the Net Change in Cash.

Independent Bank's Ending Cash Position for the fiscal year that ended in Dec. 2025 is calculated as

Ending Cash Position= Beginning Cash Position+Net Change in Cash
=119.882+18.505
=138.4

Independent Bank's Ending Cash Position for the quarter that ended in Mar. 2026 is calculated as

Ending Cash Position=Beginning Cash Position+Net Change in Cash
=138.387+36.528
=174.9

Frequently Asked Questions Learn more about Ending Cash Position →
What does a Ending Cash Position of $174.9 Mil mean?
Independent Bank (IBCP) has a Ending Cash Position of $174.9 Mil as of Mar. 2026. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Independent Bank and its competitors.
Is Independent Bank's Ending Cash Position too high?
Independent Bank's current Ending Cash Position is $174.9 Mil. Overall, Independent Bank has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Independent Bank's Ending Cash Position compare to HBIA and SHBI?
Independent Bank's Ending Cash Position of $174.9 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Ending Cash Position for a Banks company?
A good Ending Cash Position depends on the Banks industry context. However, Ending Cash Position should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Ending Cash Position mean?
A high Ending Cash Position can signal that a stock is expensive relative to its fundamentals. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Independent Bank and its competitors. Independent Bank's current Ending Cash Position is $174.9 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Independent Bank stock overvalued right now?
Based on GuruFocus' analysis, Independent Bank (IBCP) is currently considered Modestly Overvalued. The stock's GF Value™ is $32.29, compared to a current price of $38.65 — trading 19.7% above its estimated fair value. The current Ending Cash Position is $174.9 Mil. Independent Bank's overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Ending Cash Position calculated?
Ending Cash Position is calculated from a company's financial statements. For Independent Bank (IBCP), the current Ending Cash Position is $174.9 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Independent Bank (IBCP) Overvalued in 2026?

Based on GuruFocus' analysis, Independent Bank stock appears to be overvalued. The current stock price of $38.65 is trading 19.7% above its estimated GF Value™ of $32.29. GuruFocus considers Independent Bank to be Modestly Overvalued.

Key valuation signals for IBCP:

  • Ending Cash Position: $174.9 Mil
  • GF Value™: $32.29 vs. price of $38.65 (19.7% above fair value)
  • GF Score™: 62/100 with 5 warning signs

No single metric tells the full story. See the IBCP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Independent Bank Business Description

Address 4200 East Beltline, Grand Rapids, MI, USA, 49525
Independent Bank Corp. operates as a commercial bank. It offers a broad range of banking services to individuals and businesses, including checking and savings accounts, commercial lending, direct and indirect consumer financing, mortgage lending, and safe deposit box services. It also provides internet and mobile banking capabilities to its customers. The firm's principal markets are the rural and suburban communities across Lower Michigan. The firm generates the majority of its revenue from Interest and fees on loans.
62GF Score

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Ending Cash Position is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$38.65
Price
$32.29
GF Value