IBCP
INDEPENDENT BANK CORP /MI/
Overview
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
Management language signature
Disclosures
Investor Relations
Extracted from Unknown source, 2026-06-21.
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
- Q1 FY2026Earnings2026-04-236 Q&A exchanges
- Q4 FY2025Earnings2026-01-2219 Q&A exchanges
- Q3 FY2025Earnings2025-10-289 Q&A exchanges
- Q2 FY2025Earnings2025-07-2410 Q&A exchanges
- Q1 FY2025Earnings2025-04-2416 Q&A exchanges
- Q4 FY2024Earnings2025-01-2317 Q&A exchanges
- Q3 FY2024Earnings2024-10-2420 Q&A exchanges
- Q2 FY2024Earnings2024-07-2513 Q&A exchanges
- Q1 FY2024Earnings2024-04-2512 Q&A exchanges
- Q4 FY2023Earnings2024-01-2618 Q&A exchanges
- Q3 FY2023Earnings2023-10-247 Q&A exchanges
- Q2 FY2023Earnings2023-07-258 Q&A exchanges
- Q1 FY2023Earnings2023-04-2916 Q&A exchanges
- Q4 FY2022Earnings2023-01-2613 Q&A exchanges
- Q3 FY2022Earnings2022-10-2510 Q&A exchanges
- Q2 FY2022Earnings2022-07-2610 Q&A exchanges
- Q1 FY2022Earnings2022-04-2613 Q&A exchanges
- Q4 FY2021Earnings2022-01-2714 Q&A exchanges
- Q3 FY2021Earnings2021-10-268 Q&A exchanges
- Q2 FY2021Earnings2021-08-0112 Q&A exchanges
- Q1 FY2021Earnings2021-04-2710 Q&A exchanges
History
Earnings history
- Q2 FY20262026-07-22EPS— vs $0.84—Rev— vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 | 2026-07-22 | — | $0.84 | — | — | — | — | EODHD |
Source: EODHD. IBCP reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken 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
SampleConsistent 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.
Quarterly beats & misses
Sample| 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% |
| 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% |
Guidance change history
Sample- Q1 FY2026Raised2026-04-15
- Q4 FY2026Raised2026-13-15
- Q3 FY2026Raised2026-10-15
- Q2 FY2026Raised2026-07-15
- Q1 FY2025Raised2025-04-15
- Q4 FY2025Raised2025-13-15
- Q3 FY2025Raised2025-10-15
- Q2 FY2025Raised2025-07-15
Top executives
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.
- William B KesselCEO4 mo9 callsCurrentSample
CEO since 2026 • 1/2 beats (50%) • last guidance cut Q1 FY2026
- Larry R Daniel JrExecutive Vice President4 mono recorded callsCurrentSample
OTHER since 2026 • 2/2 beats (100%) • last call held guidance Q2 FY2026
- Stefanie M KimballExecutive Vice President4 mono recorded callsCurrentSample
OTHER since 2026 • 2/2 beats (100%) • last guidance raise Q1 FY2026
- Patrick J ErvinExecutive Vice President4 mono recorded callsCurrentSample
OTHER since 2026 • 1/2 beats (50%) • last call held guidance Q1 FY2026
- Joel F RahnExecutive Vice President4 mo20 callsCurrentSample
OTHER since 2026 • 1/2 beats (50%) • last call held guidance Q3 FY2026
- Kristopher KreterFirst Vice Pres. & Controller4 mono recorded callsCurrentSample
OTHER since 2026 • 2/2 beats (100%) • last call held guidance Q3 FY2026
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
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
Frequently asked about IBCP
Where can I find INDEPENDENT BANK CORP /MI/'s (IBCP) earnings call transcripts?
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/.
When was INDEPENDENT BANK CORP /MI/'s most recent earnings call?
INDEPENDENT BANK CORP /MI/ (IBCP) held its most recent earnings call on 2026-04-23, covering fiscal Q1 2026.
What sector is IBCP in?
INDEPENDENT BANK CORP /MI/ (IBCP) operates in the Financial Services sector (Banks - Regional industry).