INDEPENDENT BANK CORP /MI/
Independent Bank Corp operates as a bank holding company that provides consumer and commercial banking services through its Michigan-chartered subsidiary bank. The company generates revenue primarily from interest and fees on loans, along with other interest income and non-interest income, serving individual and business customers in Michigan.
INDEPENDENT BANK CORP /MI/ is a Financial Services company operating in Banks - Regional with a $704.5M market cap.
Most recent reported earnings: Q2 FY2026 (Jul 22, 2026).
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Disclosures
Extracted from Unknown source, 2026-06-21.
Transcripts
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
History
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 |
Spoken Alpha tracks IBCP's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 10/10 quarters with 50% positive reaction rate
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
Peers
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for IBCP.
$ curl https://api.spokenalpha.com/v1/companies/IBCPFAQ
Spoken Alpha indexes IBCP's earnings call transcripts at https://spokenalpha.com/companies/IBCP. Each call links to attributed speakers and parsed analyst Q&A. INDEPENDENT BANK CORP /MI/'s own investor relations page is at https://ir.independentbank.com/.
INDEPENDENT BANK CORP /MI/ (IBCP) held its most recent earnings call on 2026-04-23, covering fiscal Q1 2026.
INDEPENDENT BANK CORP /MI/ (IBCP) operates in the Financial Services sector (Banks - Regional industry).
| 2026-07-22 |
| — |
| $0.84 |
| — |
| — |
| — |
| — |
EODHD |
Source: EODHD. IBCP reported actuals as published; sparse fields render as —.
Consistent execution against consensus with the stock following through is the cleanest signal a guidance regime is calibrated. Worth watching for the inflection where execution deteriorates relative to the bar.
Raised guidance 8 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $4.60 | $3.54 | +29.9% | -1.5% | +0.5% |
| Q4 FY2026 | $4.85 | $3.57 | +35.9% | -2.3% | -2.6% |
| Q3 FY2026 | $4.80 | $3.74 | +28.3% | +1.7% | -0.3% |
| Q2 FY2026 | $4.99 | $3.59 | +38.9% | +0.7% | +1.9% |
| Q1 FY2025 | $5.10 | $3.77 | +35.2% | +3.9% | +3.2% |
OTHER since 2026 • 2/2 beats (100%) • last call held guidance Q2 FY2026
| Q4 FY2025 |
| $4.89 |
| $3.83 |
| +27.8% |
| +2.5% |
| +5.3% |
| Q3 FY2025 | $5.47 | $3.89 | +40.6% | -3.4% | -1.3% |
| Q2 FY2025 | $5.36 | $3.93 | +36.4% | +1.6% | -0.6% |
| Q1 FY2024 | $4.81 | $3.83 | +25.6% | -4.5% | -2.5% |
| Q4 FY2024 | $5.14 | $3.80 | +35.3% | -2.1% | -5.0% |