Independent Bank (IBCP) FCF Margin (2011 - 2026)
Independent Bank's (IBCP) quarterly FCF Margin came in at 26.45% in Q2 2026, down 378.0% year-over-year from 9.51% in Q2 2025, and up 213.16% quarter-over-quarter from 23.37% in Q1 2026.
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Analysis
Independent Bank (IBCP) FCF Margin (2011 - 2026) Analysis & Trends
Independent Bank has disclosed FCF Margin across 16 years of filings, most recently posting 26.45% for Q2 2026.
- In Q2 2026, FCF Margin fell 378.0% year-over-year to 26.45%; the TTM figure through Jun 2026 stood at 16.02% (down 1223.0% YoY), while the FY2025 annual figure was 31.09%, up 630.0% from the prior year.
- FCF Margin came in at 26.45% for Q2 2026 at Independent Bank, up from 23.37% in the prior quarter.
- In the past five years, FCF Margin ranged from a high of 69.66% in Q1 2022 to a low of 23.37% in Q1 2026.
- Average FCF Margin over 5 years is 29.53%, with a median of 30.83% recorded in 2023.
- The largest YoY upside for FCF Margin was 7851 bps in 2022 against a maximum downside of 10704 bps in 2022.
- Over 5 years, FCF Margin stood at 1.27% in 2022, then jumped by 2543 bps to 31.07% in 2023, then sank by 36 bps to 19.94% in 2024, then tumbled by 45 bps to 10.9% in 2025, then jumped by 143 bps to 26.45% in 2026.
- Per Business Quant data, the three most recent FCF Margin figures were 26.45% in Q2 2026, 23.37% in Q1 2026, and 10.9% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 424.88 Bn | 544.83 Bn | - | - |
| 2 | Truist Financial | 59.29 Bn | 59.29 Bn | - | 18.14% |
| 3 | Fifth Third Bancorp | 47.98 Bn | 24.26 Bn | - | - |
| 4 | M&T Bank | 32.82 Bn | 32.82 Bn | - | 49.25% |
| 5 | Huntington Bancshares | 32.08 Bn | 27.60 Bn | - | 34.72% |
| 6 | Citizens Financial | 28.34 Bn | 28.34 Bn | - | 29.43% |
| 7 | Regions Financial | 24.27 Bn | 24.34 Bn | - | 16.10% |
| 8 | Keycorp | 22.19 Bn | -25.51 Bn | - | 11.91% |
| 9 | First Citizens Bancshares | 21.93 Bn | 21.41 Bn | 29.00 Mn | 1,155.41% |
| 10 | Independent Bank | 746.43 Mn | 580.98 Mn | - | 26.45% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 26.45% |
| Mar 31, 2026 | -23.37% |
| Dec 31, 2025 | 10.90% |
| Sep 30, 2025 | 50.22% |
| Jun 30, 2025 | 30.23% |
| Mar 31, 2025 | 33.51% |
| Dec 31, 2024 | 19.94% |
| Sep 30, 2024 | 30.59% |
| Jun 30, 2024 | 12.34% |
| Mar 31, 2024 | 38.21% |
| Dec 31, 2023 | 31.07% |
| Sep 30, 2023 | 44.10% |
| Jun 30, 2023 | 14.78% |
| Mar 31, 2023 | 45.03% |
| Dec 31, 2022 | -1.27% |
| Sep 30, 2022 | 55.81% |
| Jun 30, 2022 | 43.34% |
| Mar 31, 2022 | 69.66% |
| Dec 31, 2021 | 105.77% |
| Sep 30, 2021 | -22.70% |
API Access
Independent Bank FCF 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=fcf-margin&ticker=IBCP&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-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=fcf-margin&ticker=IBCP&period=max&api_key=YOUR_API_KEY");
const data = await res.json();