Independent Bank Corp /Mi/ (IBCP) EBT Margin (2011 - 2026)
Independent Bank (IBCP) recorded EBT Margin of 35.91% in Q2 2026, down 1.05 percentage points from 36.96% a year earlier but up 1.57 percentage points from the prior quarter.
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Analysis
Independent Bank Corp /Mi/ (IBCP) EBT Margin (2011 - 2026) Analysis & Trends
On a TTM basis, Independent Bank's EBT Margin came in at 35.51% as of Jun 30, 2026, down 0.24 percentage points year-over-year; for FY2025, it came in at 36.02%, down 1.28 percentage points from FY2024.
- Annual EBT Margin has a five-year change of +2.02 percentage points (FY2020 to FY2025).
- Across earlier years, EBT Margin came in at 37.31% in FY2024 (+1.71 pp), 35.59% in FY2023 (-1.19 pp), 36.78% in FY2022 (-0.67 pp) and 37.46% in FY2021 (+3.46 pp).
- Quarterly EBT Margin has ranged from 30.91% in Q4 2021 to 42.49% in Q1 2022 over the past five years.
- On a year-over-year basis, EBT Margin has declined for three consecutive quarters, with an average year-over-year change of -1.54 percentage points over the last eight quarters.
- Peak year-over-year performance for EBT Margin in the last five years was a gain of 7.14 percentage points in Q2 2024, against a drop of 10.08 percentage points in Q1 2023 at the low end.
- Per Business Quant, the preceding three quarters came in at 34.34% (Q1 2026), 34.83% (Q4 2025) and 36.96% (Q3 2025).
Peer Set
Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 35.91% |
| Mar 31, 2026 | 34.34% |
| Dec 31, 2025 | 34.83% |
| Sep 30, 2025 | 36.96% |
| Jun 30, 2025 | 36.96% |
| Mar 31, 2025 | 35.35% |
| Dec 31, 2024 | 36.74% |
| Sep 30, 2024 | 33.66% |
| Jun 30, 2024 | 40.99% |
| Mar 31, 2024 | 37.57% |
| Dec 31, 2023 | 36.47% |
| Sep 30, 2023 | 39.34% |
| Jun 30, 2023 | 33.85% |
| Mar 31, 2023 | 32.40% |
| Dec 31, 2022 | 35.70% |
| Sep 30, 2022 | 37.43% |
| Jun 30, 2022 | 31.33% |
| Mar 31, 2022 | 42.49% |
| Dec 31, 2021 | 30.91% |
| Sep 30, 2021 | 36.72% |
API Access
Independent Bank Corp /Mi/ EBT Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebt-margin&ticker=IBCP&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-margin", "ticker": "IBCP", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebt-margin&ticker=IBCP&period=max&api_key=YOUR_API_KEY");
const data = await res.json();