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Independent BankINDB -0.24%64 FCF Margin % is 44.16% as of Mar. 2026, which is 38% above its 10-year median of 32.07. GuruFocus rates INDB with a GF Score™ of 64/100 and a GF Value™ of $75.60 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,502 Banks companies, Independent Bank ranks better than 62.12% on this metric.
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 (INDB) has a FCF Margin % of 44.16% 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. This is 38% above median its historical median of 32.07. Over the past decade, Independent Bank's FCF Margin % has ranged from 11.00 to 55.42. According to the industry distribution chart, Independent Bank ranks #569 out of 1502 companies in the Banks industry, placing it in the top 37.9%.
Is Independent Bank's FCF Margin % too high?
Independent Bank's current FCF Margin % of 44.16% is 38% above median its 10-year median of 32.07. Over the past 10 years, this metric has ranged from a low of 11.00 to a high of 55.42. The Banks industry median FCF Margin % is 26.43. Independent Bank's value of 44.16% is 67.1% above this industry median. Based on the distribution chart, Independent Bank ranks #569 out of 1502 companies in the Banks industry, which is above the industry midpoint. Overall, Independent Bank has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Independent Bank's FCF Margin % compare to RNST and WSFS?
According to the Banks industry distribution chart, Independent Bank ranks #569 out of 1502 companies for FCF Margin %. This puts Independent Bank in the upper half of its industry. The industry median FCF Margin % is 26.43. Independent Bank's value of 44.16% is 67.1% above this benchmark. Historically, Independent Bank's own FCF Margin % has ranged from 11.00 to 55.42 over the past decade. While the company's 10-year median is 32.07 vs. the industry median of 26.43, Independent Bank has consistently been above the industry average. 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 26.43, based on 1,502 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. Independent Bank's current FCF Margin % of 44.16% is 67.1% above the industry median. 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 26.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Independent Bank's current FCF Margin % is 44.16%, which is 38% above median its own 10-year median of 32.07. 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 (INDB) is currently considered Modestly Overvalued. The stock's GF Value™ is $75.60, compared to a current price of $83.67 — trading 10.7% above its estimated fair value. The current FCF Margin % is 44.16%, which is 38% above median its 10-year median of 32.07 and 67.1% above the Banks industry median of 26.43. Independent Bank's overall GF Score™ is 64/100 with 6 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 (INDB), the current FCF Margin % is 44.16% 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 (INDB) Overvalued in 2026?
Based on GuruFocus' analysis, Independent Bank stock appears to be overvalued.
The current stock price of $83.67 is trading 10.7% above its estimated GF Value™ of $75.60.
GuruFocus considers Independent Bank to be Modestly Overvalued.
Key valuation signals for INDB:
FCF Margin %: 44.16% (38% above median its 10-year median of 32.07)
GF Value™: $75.60 vs. price of $83.67 (10.7% above fair value)
Industry Position: 67.1% above the Banks median (#569 of 1502)
No single metric tells the full story. See the INDB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Independent Bank Corp is a bank holding company and the sole shareholder of its bank, the Rockland Trust Company. Rockland is a community-oriented commercial bank. The bank provides a variety of banking, investment and financial services, operating with various retail branches, as well as a network of commercial and residential lending centers and investment management offices majorly in Eastern Massachusetts, Worcester County, and Rhode Island. The bank's loan portfolio constitutes the bulk of the bank's total assets. Its borrowers consist mostly of small to medium-size businesses and consumers, majority of which are made to its market area in eastern Massachusetts and Rhode Island. The bank's loan portfolio is predominantly in commercial loans.
64GF Score
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