What is IBCP's health score?

INDEPENDENT BANK CORP /MI/ (IBCP) has a TradeApes health score of 55 out of 100, rated Mixed. This composite score evaluates financial strength, operating trends, valuation, capital allocation, and risk factors.

What is IBCP's estimated fair value?

Based on our 5-year discounted cash flow model, INDEPENDENT BANK CORP /MI/'s estimated fair value is $35.45 per share, representing a 3.7% upside from the current price. This is a model estimate, not a price target or investment recommendation.

Is IBCP undervalued or overvalued?

Our model currently rates IBCP as Fair Value. This assessment combines health metrics, valuation multiples, and market sentiment. Individual investors should conduct their own due diligence.

Crunching the numbers for IBCP... Refresh in a moment for the full analysis.

INDEPENDENT BANK CORP /MI/ (IBCP)

Financials Fair Value medium mixed

$34.2

Updated: 2026-06-05

TradeApes Score

Financial Strength

60 Healthy

Operating Trend

40 Weak

Relative Value

65 Healthy

Capital Allocation

40 Weak

Risk

80 Strong

Est. Fair Value $35.45

DCF Upside +3.7%

Sector Rank #2372 of 6425

Key Findings

+ Free cash flow positive — business generates real spendable cash

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− FCF deteriorating — free cash flow down more than 25% year over year

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TradeApes provides financial data, analytics, and research tools. TradeApes is not a registered investment adviser, broker-dealer, or tax advisor. The information presented is for educational and informational purposes only and does not constitute investment, financial, or tax advice.

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