Independent Bank (IBCP) Net Margin (2011 - 2026)
Independent Bank (IBCP) posted Net Margin of 34.25% for Q1 2026, down 10.55% sequentially from 38.29% in Q4 2025, and up 49.0% YoY from 22.99% in Q1 2025.
Independent Bank (IBCP) Net Margin (2011 - 2026) Analysis & Trends
Independent Bank has reported Net Margin for 16 years, with the latest figure at 34.25% in Q1 2026.
- Quarterly Net Margin rose 49.0% year-over-year to 34.25% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 44.34% (up 1364.0% YoY) and the FY2025 annual result came in at 36.62%, up 615.0% from the prior year.
- Net Margin declined to 34.25% in Q1 2026 per IBCP's latest filing, from 38.29% in the prior quarter.
- Over five years, Net Margin peaked at 137.63% in Q2 2025 and troughed at 1009.52% in Q4 2022.
- A 5-year average of 53.42% and a median of 29.71% in 2024 frame the typical range for Net Margin.
- The sharpest annual moves came in 2022 and 2023: Net Margin tumbled 94177 bps in 2022, then soared 104003 bps in 2023.
- Over 5 years, Net Margin stood at 1009.52% in 2022, then surged by 103 bps to 30.51% in 2023, then fell by 3 bps to 29.71% in 2024, then gained by 29 bps to 38.29% in 2025, then dropped by 11 bps to 34.25% in 2026.
- According to Business Quant data, Net Margin over the past three periods registered 34.25%, 38.29%, and 36.86% for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 119.58 Bn | 83.39 Bn | - | - |
| 2 | Pnc Financial Services | 97.75 Bn | 97.75 Bn | - | 28.41% |
| 3 | Us Bancorp | 96.33 Bn | 96.33 Bn | - | 27.30% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 73.86 Bn | -145.23 Bn | - | 38.78% |
| 6 | Deutsche Bank Aktiengesellschaft | 71.72 Bn | -81.60 Bn | - | 25.60% |
| 7 | Nu Holdings | 68.51 Bn | 54.82 Bn | 2.35 Bn | 25.60% |
| 8 | Truist Financial | 61.69 Bn | 61.69 Bn | - | 28.85% |
| 9 | Fifth Third Bancorp | 49.73 Bn | 26.00 Bn | - | 23.30% |
| 10 | Independent Bank | 767.09 Mn | 601.64 Mn | - | 29.74% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 56.06% |
| Mar 31, 2026 | 34.25% |
| Dec 31, 2025 | 38.29% |
| Sep 30, 2025 | 36.86% |
| Jun 30, 2025 | 137.63% |
| Mar 31, 2025 | 33.76% |
| Dec 31, 2024 | 29.71% |
| Sep 30, 2024 | 26.85% |
| Jun 30, 2024 | 32.78% |
| Mar 31, 2024 | 30.39% |
| Dec 31, 2023 | 30.51% |
| Sep 30, 2023 | -72.04% |
| Jun 30, 2023 | -108.22% |
| Mar 31, 2023 | -9.07% |
| Dec 31, 2022 | -1,009.52% |
| Sep 30, 2022 | -38.28% |
| Jun 30, 2022 | -36.89% |
| Mar 31, 2022 | -65.11% |
| Dec 31, 2021 | -67.76% |
| Sep 30, 2021 | 52.76% |