INDB
INDEPENDENT BANK CORP
Overview
Independent Bank Corp. operates Rockland Trust, a bank holding company that provides retail and commercial banking services, including deposits, loans, investment management, and digital banking through 151 branches primarily in Eastern Massachusetts, New Hampshire, and Rhode Island.
INDEPENDENT BANK CORP is a Financial Services company operating in Banks - Regional with a $3.93B 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 FY2026Earnings2026-04-1735 Q&A exchanges
- Q4 FY2025Earnings2026-01-2217 Q&A exchanges
- Q3 FY2025Earnings2025-10-1727 Q&A exchanges
- Q2 FY2025Earnings2025-07-1816 Q&A exchanges
- Q1 FY2025Earnings2025-04-1735 Q&A exchanges
- Q4 FY2024Earnings2025-01-1720 Q&A exchanges
- Q3 FY2024Earnings2024-10-1830 Q&A exchanges
- Q2 FY2024Earnings2024-07-1930 Q&A exchanges
- Q1 FY2024Earnings2024-04-1935 Q&A exchanges
- Q4 FY2023Earnings2024-01-1932 Q&A exchanges
- Q3 FY2023Earnings2023-10-2025 Q&A exchanges
- Q2 FY2023Earnings2023-07-2122 Q&A exchanges
- Q1 FY2023Earnings2023-04-2116 Q&A exchanges
- Q4 FY2022Earnings2023-01-2026 Q&A exchanges
- Q3 FY2022Earnings2022-10-2124 Q&A exchanges
- Q2 FY2022Earnings2022-07-2219 Q&A exchanges
- Q1 FY2022Earnings2022-04-2222 Q&A exchanges
- Q4 FY2021Earnings2022-01-2128 Q&A exchanges
- Q3 FY2021Earnings2021-10-2215 Q&A exchanges
- Q2 FY2021Earnings2021-07-2325 Q&A exchanges
- Q1 FY2021Earnings2021-04-2342 Q&A exchanges
History
Earnings history
- Q2 FY20262026-07-22EPS— vs $1.78—Rev— vs ——EODHD
- Q1 FY20262026-04-15EPS$1.68 vs $1.67+0.6%Rev$290.3M vs ——EODHD
- Q4 FY20252026-01-21EPS$1.70 vs $1.65+3.0%Rev$339.0M vs ——EODHD
- Q3 FY20252025-10-15EPS$1.55 vs $1.54+0.7%Rev$335.2M vs ——EODHD
- Q2 FY20252025-07-16EPS$1.25 vs $1.21+3.3%Rev$250.5M vs ——EODHD
- Q1 FY20252025-04-16EPS$1.06 vs $1.17-9.4%Rev$242.5M vs ——EODHD
- Q4 FY20242025-01-15EPS$1.21 vs $1.16+4.3%Rev$246.6M vs ——EODHD
- Q3 FY20242024-10-16EPS$1.01 vs $1.03-1.9%Rev$249.5M vs ——EODHD
- Q2 FY20242024-07-17EPS$1.21 vs $1.12+8.0%Rev$242.6M vs ——EODHD
- Q1 FY20242024-04-17EPS$1.12 vs $1.15-2.6%Rev$235.5M vs ——EODHD
- Q4 FY20232024-01-17EPS$1.26 vs $1.24+1.6%Rev$236.9M vs ——EODHD
- Q3 FY20232023-10-18EPS$1.38 vs $1.33+3.8%Rev$234.2M vs ——EODHD
- Q2 FY20232023-07-19EPS$1.42 vs $1.36+4.4%Rev$227.2M vs ——EODHD
- Q1 FY20232023-04-19EPS$1.36 vs $1.54-11.7%Rev$213.0M vs ——EODHD
- Q4 FY20222023-01-18EPS$1.69 vs $1.65+2.4%Rev$214.3M vs ——EODHD
- Q3 FY20222022-10-19EPS$1.57 vs $1.42+10.6%Rev$196.2M vs ——EODHD
- Q2 FY20222022-07-20EPS$1.32 vs $1.26+4.8%Rev$174.2M vs ——EODHD
- Q1 FY20222022-04-20EPS$1.23 vs $1.26-2.4%Rev$165.1M vs ——EODHD
- Q4 FY20212022-01-19EPS$1.63 vs $1.10+48.2%Rev$153.7M vs ——EODHD
- Q3 FY20212021-10-20EPS$1.21 vs $1.02+18.6%Rev$118.1M vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 | 2026-07-22 | — | $1.78 | — | — | — | — | EODHD |
| Q1 FY2026 | 2026-04-15 | $1.68 | $1.67 | +0.6% | $290.3M | — | — | EODHD |
| Q4 FY2025 | 2026-01-21 | $1.70 | $1.65 | +3.0% | $339.0M | — | — | EODHD |
| Q3 FY2025 | 2025-10-15 | $1.55 | $1.54 | +0.7% | $335.2M | — | — | EODHD |
| Q2 FY2025 | 2025-07-16 | $1.25 | $1.21 | +3.3% | $250.5M | — | — | EODHD |
| Q1 FY2025 | 2025-04-16 | $1.06 | $1.17 | -9.4% | $242.5M | — | — | EODHD |
| Q4 FY2024 | 2025-01-15 | $1.21 | $1.16 | +4.3% | $246.6M | — | — | EODHD |
| Q3 FY2024 | 2024-10-16 | $1.01 | $1.03 | -1.9% | $249.5M | — | — | EODHD |
| Q2 FY2024 | 2024-07-17 | $1.21 | $1.12 | +8.0% | $242.6M | — | — | EODHD |
| Q1 FY2024 | 2024-04-17 | $1.12 | $1.15 | -2.6% | $235.5M | — | — | EODHD |
| Q4 FY2023 | 2024-01-17 | $1.26 | $1.24 | +1.6% | $236.9M | — | — | EODHD |
| Q3 FY2023 | 2023-10-18 | $1.38 | $1.33 | +3.8% | $234.2M | — | — | EODHD |
| Q2 FY2023 | 2023-07-19 | $1.42 | $1.36 | +4.4% | $227.2M | — | — | EODHD |
| Q1 FY2023 | 2023-04-19 | $1.36 | $1.54 | -11.7% | $213.0M | — | — | EODHD |
| Q4 FY2022 | 2023-01-18 | $1.69 | $1.65 | +2.4% | $214.3M | — | — | EODHD |
| Q3 FY2022 | 2022-10-19 | $1.57 | $1.42 | +10.6% | $196.2M | — | — | EODHD |
| Q2 FY2022 | 2022-07-20 | $1.32 | $1.26 | +4.8% | $174.2M | — | — | EODHD |
| Q1 FY2022 | 2022-04-20 | $1.23 | $1.26 | -2.4% | $165.1M | — | — | EODHD |
| Q4 FY2021 | 2022-01-19 | $1.63 | $1.10 | +48.2% | $153.7M | — | — | EODHD |
| Q3 FY2021 | 2021-10-20 | $1.21 | $1.02 | +18.6% | $118.1M | — | — | EODHD |
Source: EODHD. INDB reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks INDB'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.
Misses consensus 10/10 quarters
SampleRepeated misses without a guidance reset suggest management is structurally optimistic relative to operating reality. Track whether next-quarter guidance is being benchmarked off the prior miss or the prior plan.
Missed in 4 of the last 4 quarters
SampleRecent misses matter more than long-window beat rate — the trailing 12 months drives the analyst model and the next-print bar.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $3.59 | $4.26 | -15.8% | -4.4% | -1.7% |
| Q4 FY2026 | $3.61 | $4.38 | -17.6% | -2.5% | -5.0% |
| Q3 FY2026 | $3.23 | $4.48 | -27.9% | +4.6% | +6.6% |
| Q2 FY2026 | $3.30 | $4.37 | -24.5% | -1.7% | -3.0% |
| Q1 FY2025 | $3.10 | $4.36 | -28.8% | -2.2% | -3.6% |
| Q4 FY2025 | $3.53 | $4.44 | -20.5% | -1.4% | -3.5% |
| Q3 FY2025 | $3.77 | $4.47 | -15.7% | -6.1% | -4.2% |
| Q2 FY2025 | $3.76 | $4.50 | -16.5% | -4.5% | -4.0% |
| Q1 FY2024 | $3.51 | $4.48 | -21.7% | +1.9% | +0.3% |
| Q4 FY2024 | $3.18 | $4.41 | -28.0% | +0.8% | -0.4% |
Guidance change history
Sample- Q1 FY2026Lowered2026-04-15
- Q4 FY2026Lowered2026-13-15
- Q3 FY2026Lowered2026-10-15
- Q2 FY2026Lowered2026-07-15
- Q1 FY2025Lowered2025-04-15
- Q4 FY2025Lowered2025-13-15
- Q3 FY2025Lowered2025-10-15
- Q2 FY2025Lowered2025-07-15
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.
- Jeffrey J TengelCEO4 mo6 callsCurrentSample
CEO since 2026 • 2/2 beats (100%) • last guidance raise Q2 FY2026
- Mark J RuggieroCFO4 mo20 callsCurrentSample
CFO since 2026 • 1/2 beats (50%) • last guidance cut Q3 FY2026
- Lee C PowlusChief Administrative Officer4 mono recorded callsCurrentSample
OTHER_C_SUITE since 2026 • 2/2 beats (100%) • last guidance raise Q1 FY2026
- Kathryn O'MalleyChief Credit Officer4 mono recorded callsCurrentSample
OTHER_C_SUITE since 2026 • 1/2 beats (50%) • last call held guidance Q1 FY2026
- Tamina O'NeillChief Risk Officer10 mono recorded callsCurrentSample
OTHER_C_SUITE since 2025 • 2/4 beats (50%) • last guidance raise Q3 FY2026
- Maria S HarrisChief Human Resources Officer4 mono recorded callsCurrentSample
OTHER since 2026 • 2/2 beats (100%) • guidance suspended 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 INDB.
$ curl https://api.spokenalpha.com/v1/companies/INDBFAQ
Frequently asked about INDB
Where can I find INDEPENDENT BANK CORP's (INDB) earnings call transcripts?
Spoken Alpha indexes INDB's earnings call transcripts at https://spokenalpha.com/companies/INDB. Each call links to attributed speakers and parsed analyst Q&A. INDEPENDENT BANK CORP's own investor relations page is at https://ir.independentbank.com/.
When was INDEPENDENT BANK CORP's most recent earnings call?
INDEPENDENT BANK CORP (INDB) held its most recent earnings call on 2026-04-17, covering fiscal Q1 2026.
What sector is INDB in?
INDEPENDENT BANK CORP (INDB) operates in the Financial Services sector (Banks - Regional industry).