IBCP (Independent Bank) Tariff Resilience Score: 8/10 (As of Jul. 02, 2026)


IBCP Independent Bank Corp. IBCP
64 GF Score
Price $36.54
GF Value $32.33
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Independent Bank Tariff Resilience Score?

Independent Bank IBCP -0.44% 64 Tariff Resilience Score is 8 as of Jul. 02, 2026. GuruFocus rates IBCP with a GF Score™ of 64/100 and a GF Value™ of $32.33 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,608 Banks companies, Independent Bank ranks better than 78.73% on this metric.

Independent Bank has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Independent Bank has Primarily a regional bank with minimal direct exposure to international trade tariffs. Indirect effects may arise from clients in affected industries.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Independent Bank might have Highly Resilient.

Independent Bank  (NAS:IBCP) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Independent Bank Tariff Resilience Score Related Terms

IBCP vs CARE, CWBC, FISI: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Independent Bank's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Independent Bank's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Independent Bank's Tariff Resilience Score falls into.


IBCP
64GF Score
Independent Bank Corp. IBCP
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Independent Bank (IBCP) has a Tariff Resilience Score of 8 as of Jul. 02, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Independent Bank ranks #342 out of 1608 companies in the Banks industry, placing it in the top 21.3%.
Is Independent Bank's Tariff Resilience Score too high?
Independent Bank's current Tariff Resilience Score is 8. Based on the distribution chart, Independent Bank ranks #342 out of 1608 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Tariff Resilience Score compare to CARE and CWBC?
According to the Banks industry distribution chart, Independent Bank ranks #342 out of 1608 companies for Tariff Resilience Score. This places Independent Bank in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Independent Bank's current Tariff Resilience Score is 8. 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 $32.33, compared to a current price of $36.54 — trading 13% above its estimated fair value. The current Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Independent Bank (IBCP), the current Tariff Resilience Score is 8 as of Jul. 02, 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 $36.54 is trading 13% above its estimated GF Value™ of $32.33. GuruFocus considers Independent Bank to be Modestly Overvalued.

Key valuation signals for IBCP:

  • Tariff Resilience Score: 8
  • GF Value™: $32.33 vs. price of $36.54 (13% 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

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

$36.54
Price
$32.33
GF Value