Independent BankIBCP +1.83%64 FCF Yield % is 5.13 as of Jun. 27, 2026, which is 47% below its 10-year median of 9.75. GuruFocus rates IBCP with a GF Score™ of 64/100 and a GF Value™ of $32.34 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,505 Banks companies, Independent Bank ranks worse than 61.93% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Independent Bank FCF Yield % Related Terms
Independent Bank FCF Yield % Historical Data
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The historical data trend for Independent Bank's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Independent Bank's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Independent Bank's FCF Yield % 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 Yield % of 5.13 as of Jun. 27, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Independent Bank and its competitors. This is 47% below median its historical median of 9.75. Over the past decade, Independent Bank's FCF Yield % has ranged from 2.62 to 35.17. According to the industry distribution chart, Independent Bank ranks #932 out of 1505 companies in the Banks industry, placing it in the top 61.9%.
Is Independent Bank's FCF Yield % too high?
Independent Bank's current FCF Yield % of 5.13 is 47% below median its 10-year median of 9.75. Over the past 10 years, this metric has ranged from a low of 2.62 to a high of 35.17. The Banks industry median FCF Yield % is 8.20. Independent Bank's value of 5.13 is 37.4% below this industry median. Based on the distribution chart, Independent Bank ranks #932 out of 1505 companies in the Banks industry, which is below 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 Yield % compare to SMBK and FISI?
According to the Banks industry distribution chart, Independent Bank ranks #932 out of 1505 companies for FCF Yield %. This places Independent Bank in the lower half of its industry. The industry median FCF Yield % is 8.20. Independent Bank's value of 5.13 is 37.4% below this benchmark. Historically, Independent Bank's own FCF Yield % has ranged from 2.62 to 35.17 over the past decade. While the company's 10-year median is 9.75 vs. the industry median of 8.20, Independent Bank has consistently been below 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.20, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Independent Bank's current FCF Yield % of 5.13 is 37.4% below 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Independent Bank and its competitors. For the Banks industry, the median FCF Yield % is 8.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Independent Bank's current FCF Yield % is 5.13, which is 47% below median its own 10-year median of 9.75. 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 $32.34, compared to a current price of $36.21 — trading 12% above its estimated fair value. The current FCF Yield % is 5.13, which is 47% below median its 10-year median of 9.75 and 37.4% below the Banks industry median of 8.20. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Independent Bank (IBCP), the current FCF Yield % is 5.13 as of Jun. 27, 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 $36.21 is trading 12% above its estimated GF Value™ of $32.34.
GuruFocus considers Independent Bank to be Modestly Overvalued.
Key valuation signals for IBCP:
FCF Yield %: 5.13 (47% below median its 10-year median of 9.75)
GF Value™: $32.34 vs. price of $36.21 (12% above fair value)
Industry Position: 37.4% below the Banks median (#932 of 1505)
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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