IBCP (Independent Bank) ROC %: % (As of Mar. 2026)


IBCP Independent Bank Corp. IBCP
64 GF Score
Price $35.78
GF Value $32.34
Valuation Fairly Valued
! 3 Warning Signs
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What is Independent Bank ROC %?

Independent Bank IBCP +0.53% 64 ROC % is % as of Mar. 2026. GuruFocus rates IBCP with a GF Score™ of 64/100 and a GF Value™ of $32.34 (Fairly Valued). The stock has 3 warning signs investors should review.

ROC %does not apply to banks.

IBCP
64GF Score
Independent Bank Corp. IBCP
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Independent Bank (IBCP) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Independent Bank and its competitors.
Is Independent Bank's ROC % too high?
Independent Bank's current ROC % is %. 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 ROC % compare to SMBK and FISI?
Independent Bank's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Independent Bank and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Independent Bank's current ROC % is %. 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 $35.78 — trading 10.6% above its estimated fair value. The current ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Independent Bank (IBCP), the current ROC % is % 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 $35.78 is trading 10.6% above its estimated GF Value™ of $32.34. GuruFocus considers Independent Bank to be Fairly Valued.

Key valuation signals for IBCP:

  • ROC %: %
  • GF Value™: $32.34 vs. price of $35.78 (10.6% above fair value)
  • GF Score™: 64/100 with 3 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.
64GF Score

Get the complete analysis for IBCP

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

$35.78
Price
$32.34
GF Value