Independent Bank Ratios (2009-2026) | IBCP

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Ratios	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025	Dec2025	Mar2026
Profitability
EBT Margin (Quarter)	32.61%	36.72%	30.91%	42.49%	31.33%	37.43%	35.70%	32.40%	33.85%	39.34%	36.47%	37.57%	40.99%	33.66%	36.74%	35.35%	36.96%	36.96%	34.83%	34.34%
EBIT Margin (Quarter)	37.17%	40.56%	34.78%	45.84%	35.87%	46.29%	55.63%	64.03%	70.30%	81.14%	87.78%	84.82%	85.21%	85.22%	75.67%	76.85%	76.76%	78.72%	70.97%	67.13%
EBITDA Margin (Quarter)	39.41%	42.57%	36.90%	47.85%	37.92%	48.03%	57.42%	65.92%	72.03%	82.82%	89.76%	86.63%	86.89%	87.04%	77.17%	78.49%	78.18%	80.28%	72.50%	68.65%
Net Margin (Quarter)	26.83%	29.84%	24.99%	34.60%	25.61%	30.47%	28.91%	26.52%	27.51%	31.89%	27.93%	30.37%	32.78%	26.85%	29.71%	28.88%	30.17%	30.55%	31.85%	28.65%
FCF Margin (Quarter)	65.85%	-22.70%	105.77%	69.66%	43.34%	55.81%	-1.70%	45.03%	14.78%	44.10%	31.07%	38.21%	12.34%	30.59%	19.94%	33.51%	52.09%	28.87%	10.90%	-23.37%
Efficiency
Assets Average (Quarter)	4,443.86M	4,541.81M	4,663.54M	4,733.36M	4,794.10M	4,878.79M	4,965.58M	5,069.36M	5,137.25M	5,167.79M	5,231.87M	5,247.49M	5,254.38M	5,268.38M	5,298.69M	5,333.27M	5,373.47M	5,455.82M	5,499.42M	5,531.61M
Equity Average (Quarter)	391.65M	398.00M	399.26M	376.97M	343.29M	331.72M	339.95M	357.65M	371.44M	375.08M	389.72M	410.01M	423.01M	441.41M	453.53M	460.98M	468.26M	480.00M	496.85M	506.75M
Invested Capital (Quarter)	395.97M	400.03M	398.49M	355.45M	331.13M	332.31M	347.60M	367.71M	375.16M	375.00M	404.48M	415.57M	430.46M	452.37M	454.69M	467.28M	469.25M	490.74M	502.95M	510.55M
Asset Utilization Ratio (Quarter)	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04
Leverage & Solvency
Interest Coverage Ratio (Quarter)	8.15	10.57	8.98	13.69	7.90	5.23	2.79	2.02	1.93	1.94	1.71	1.80	1.93	1.65	1.94	1.85	1.93	1.88	1.96	2.05
Debt to Equity (Quarter)	0.08	0.08	0.10	0.11	0.12	0.12	0.25	0.11	0.11	0.11	0.10	0.12	0.09	0.09	0.09	0.10	0.08		0.15	0.08
Debt Ratio (Quarter)	0.01	0.01	0.01	0.01	0.01	0.01	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01		0.01	0.01
Equity Ratio (Quarter)	0.09	0.09	0.08	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.08	0.08	0.08	0.09	0.09	0.09	0.09	0.09	0.09	0.09
Times Interest Earned (Quarter)	8.15	10.57	8.98	13.69	7.90	5.23	2.79	2.02	1.93	1.94	1.71	1.80	1.93	1.65	1.94	1.85	1.93	1.88	1.96	2.05
Dividends & Payouts
FCF Payout Ratio (Quarter)	0.15	-0.37	0.08	0.13	0.21	0.15	-5.25	0.22	0.61	0.20	0.31	0.25	0.72	0.32	0.41	0.30	0.18	0.33	0.85	-0.42
Valuation
Enterprise Value (Quarter)	-83.48M	-125.62M	-18.38M	-130.38M	-59.49M	-70.63M	-10.50M	-227.02M	-129.19M	-127.46M	-6.52M	-161.84M	-214.35M	-121.56M	-119.88M	-128.15M	-146.16M	-208.69M	-138.39M	-174.91M
Return Ratios
Return on Sales (Quarter)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Invested Capital (Quarter)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Assets (Quarter)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Equity (Quarter)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

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Independent Bank Ratios (2009-2026) | IBCP

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Independent Bank Ratios (2009-2026) | IBCP

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