The historical rank and industry rank for Independent Bank's FCF Margin % or its related term are showing as below:
IBCP'
s FCF Margin % Range Over the Past 10 Years
Min: 17.16 Med: 27.1 Max: 52.47
Current: 17.16
During the past 13 years, the highest FCF Margin % of Independent Bank was 52.47%. The lowest was 17.16%. And the median was 27.10%.
IBCP's FCF Margin % is ranked worse than 61.17% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs IBCP: 17.16
Independent Bank FCF Margin % Related Terms
Independent Bank FCF Margin % Historical Data
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The historical data trend for Independent Bank's FCF Margin % 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.
For the Banks - Regional subindustry, Independent Bank's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Independent Bank FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Independent Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Independent Bank's FCF Margin % falls into.
* 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 (IBCP) has a FCF Margin % of -24.17% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Independent Bank and its competitors. Over the past decade, Independent Bank's FCF Margin % has ranged from 17.16 to 52.47. According to the industry distribution chart, Independent Bank ranks #920 out of 1504 companies in the Banks industry, placing it in the top 61.2%.
Is Independent Bank's FCF Margin % too high?
Independent Bank's current FCF Margin % is -24.17%. Over the past 10 years, this metric has ranged from a low of 17.16 to a high of 52.47. Based on the distribution chart, Independent Bank ranks #920 out of 1504 companies in the Banks industry, which is below the industry midpoint. Overall, Independent Bank has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Independent Bank's FCF Margin % compare to SMBK and FISI?
According to the Banks industry distribution chart, Independent Bank ranks #920 out of 1504 companies for FCF Margin %. This places Independent Bank in the lower half of its industry. The industry median FCF Margin % is 26.50. Historically, Independent Bank's own FCF Margin % has ranged from 17.16 to 52.47 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Independent Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Independent Bank's current FCF Margin % is -24.17%. 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 Fairly Valued. The stock's GF Value™ is $32.34, compared to a current price of $35.68 — trading 10.3% above its estimated fair value. The current FCF Margin % is -24.17%. Independent Bank's overall GF Score™ is 64/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Independent Bank (IBCP), the current FCF Margin % is -24.17% 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 $35.68 is trading 10.3% above its estimated GF Value™ of $32.34.
GuruFocus considers Independent Bank to be Fairly Valued.
Key valuation signals for IBCP:
FCF Margin %: -24.17%
GF Value™: $32.34 vs. price of $35.68 (10.3% above fair value)
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 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.
64GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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