Independent Bank Corp /Mi/ (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 Corp /Mi/ (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
Historic Data
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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 Corp /Mi/ 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();