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Independent Bank (INDB) Stock Price & Analysis

126 Followers

INDB Stock Chart & Stats

$84.47$0.35(0.42%)
At close: 4:00 PM EST
$77.5$80$82.5$85Aug 17Aug 31Sep 14Sep 28Oct 12Oct 26Nov 9
Day’s Range
$83.56 - $84.64
52-Week Range
$66.17 - $88.58
Previous Close
$84.12
Volume
N/A
Average Volume (3M)
421.26K
Market Cap
$3.91B
Enterprise Value
$4.05B
Total Cash (Recent Filing)
$4.16B
Total Debt (Recent Filing)
$627.15M
Price to Earnings (P/E)
12.5
Beta
0.74
Next Earnings
Jan 21, 2027 (Est.)
EPS Estimate
1.97
Last Dividend Ex-Date
Sep 28, 2026
Dividend Yield
2.97%

Bulls Say, Bears Say

Bulls Say

Profitability Rebound

The sharp rebound in revenue and profitability indicates stronger earnings momentum across the banking franchise. Improved margins can enhance internal capital generation and support continued investment, while the recovery provides a stronger base for performance over the next several quarters.

Strong Capital And Liquidity

Robust capital ratios and liquidity give Independent Bank meaningful resilience against credit volatility and interest-rate pressure. This financial flexibility also supports continued lending, investment in capabilities, and shareholder distributions without depending heavily on additional external capital.

Relationship-driven Loan And Deposit Franchise

Broad-based deposit and loan activity demonstrates customer engagement across multiple banking products rather than reliance on one niche. A diversified relationship franchise can support recurring net interest income, improve funding stability, and create cross-selling opportunities over time.

Bears Say

Emerging Commercial Credit Losses

Expected commercial charge-offs and elevated criticized loans indicate that credit costs may remain a headwind even though current net charge-offs are low. Further losses, particularly in office and life sciences exposures, could reduce earnings and constrain capital available for growth.

Deposit-cost Pressure

Persistent competition for deposits can compress the spread between loan yields and funding costs, directly challenging net interest income. If deposit pricing rises faster than asset yields, the bank may need to accept slower margin expansion or adjust growth and capital allocation priorities.

Core Conversion Execution Risk

The delayed core conversion creates a multi-quarter execution burden and adds meaningful one-time expenses before expected operational benefits arrive. Testing and readiness concerns also highlight implementation risk, while disruption or cost overruns could weigh on near-term efficiency and management focus.

Independent Bank News

INDB FAQ

What was Independent Bank’s price range in the past 12 months?
Independent Bank lowest stock price was $66.17 and its highest was $88.58 in the past 12 months.
What is Independent Bank’s market cap?
Independent Bank’s market cap is $3.91B.
When is Independent Bank’s upcoming earnings report date?
Independent Bank’s next earnings report is estimated for Jan 21, 2027 (not yet confirmed), which is in 67 days.
How were Independent Bank’s earnings last quarter?
Independent Bank released its earnings results on Oct 15, 2026. The company reported $1.9 earnings per share for the quarter, beating the consensus estimate of $1.846 by $0.054.
Is Independent Bank overvalued?
According to Wall Street analysts Independent Bank’s price is currently Undervalued.
Does Independent Bank pay dividends?
Independent Bank pays a quarterly dividend of $0.64 which represents an annual dividend yield of 2.97%. See more information on Independent Bank dividends here
What is Independent Bank’s EPS estimate?
Independent Bank’s EPS estimate is 1.97.
How many shares outstanding does Independent Bank have?
Independent Bank has 46,342,632 shares outstanding.
What happened to Independent Bank’s price movement after its last earnings report?
Independent Bank reported an EPS of $1.9 in its last earnings report, beating expectations of $1.846. Following the earnings report the stock price went up 3.633%.
Which hedge fund is a major shareholder of Independent Bank?
Hedge funds hold Independent Bank shares: the largest hedge-fund position in Independent Bank is 71,887,699 shares, and hedge funds decreased their holdings by 170.7K shares last quarter.
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology