Independent Bank (IBCP) FCF Margin (2010 - 2026)
Independent Bank (IBCP) posted FCF Margin of 26.45% for Q2 2026, down 3.78 percentage points from 30.23% a year earlier but up 49.82 percentage points from the prior quarter.
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Analysis
Independent Bank (IBCP) FCF Margin (2010 - 2026) Analysis & Trends
For the trailing twelve months through Jun 30, 2026, FCF Margin at Independent Bank was 16.02%, down 12.23 percentage points year-over-year; for FY2025, it came in at 31.09%, up 6.30 percentage points from FY2024.
- Annual FCF Margin shows a five-year change of +4.52 percentage points (FY2020 to FY2025).
- In prior years, Independent Bank's FCF Margin was 24.80% in FY2024 (-8.81 pp), 33.61% in FY2023 (-8.46 pp), 42.06% in FY2022 (-8.48 pp) and 50.54% in FY2021 (+23.97 pp).
- Quarterly FCF Margin has run from a low of -23.37% in Q1 2026 to a high of 105.77% in Q4 2021 over five years.
- On a year-over-year basis, FCF Margin has declined in each of the last three quarters, with an average year-over-year change of -7.69 percentage points over the last eight quarters.
- The strongest year-over-year quarter for FCF Margin in the past five years was Q3 2022, with a gain of 78.51 percentage points; the weakest was Q4 2022, with a drop of 107.46 percentage points.
- According to Business Quant data, FCF Margin for the three prior quarters was -23.37% (Q1 2026), 10.90% (Q4 2025) and 50.22% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 881.30 Bn | 881.30 Bn | - | -44.09% |
| 2 | Bank Of America | 354.90 Bn | -2,021.17 Bn | - | 92.03% |
| 3 | Hsbc Holdings | 311.39 Bn | -1,517.77 Bn | - | - |
| 4 | Morgan Stanley | 282.15 Bn | -226.95 Bn | - | -16.70% |
| 5 | Royal Bank Of Canada | 281.68 Bn | -548.32 Bn | - | 189.34% |
| 6 | Goldman Sachs | 255.22 Bn | -3,301.89 Bn | - | 27.55% |
| 7 | Mitsubishi Ufj Financial | 249.82 Bn | -82.42 Bn | 10.89 Bn | - |
| 8 | Wells Fargo & Company | 249.49 Bn | 251.62 Bn | - | 29.95% |
| 9 | Toronto Dominion Bank | 210.53 Bn | -465.35 Bn | - | -34.71% |
| 10 | Independent Bank | 761.88 Mn | 74.44 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 | -1.70% |
| 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();