Compared to Estimates, Independent Bank (IBCP) Q4 Earnings: A Look at Key Metrics

Independent Bank (IBCP) reported $58.31 million in revenue for the quarter ended December 2025, representing a year-over-year decline of 5.9%. EPS of $0.89 for the same period compares to $0.87 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $57.7 million, representing a surprise of +1.06%. The company delivered an EPS surprise of +7.23%, with the consensus EPS estimate being $0.83.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.Here is how Independent Bank performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:Net Interest Margin (GAAP): 3.6% compared to the 3.6% average estimate based on two analysts.Efficiency Ratio: 61.2% compared to the 60.1% average estimate based on two analysts.Total non-interest income: $11.96 million versus the two-analyst average estimate of $11.81 million.Net Interest Income: $46.35 million versus $46.46 million estimated by two analysts on average.View all Key Company Metrics for Independent Bank here>>>Shares of Independent Bank have returned +4.5% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.Zacks' Research Chief Names "Stock Most Likely to Double"Our team of experts has just released the 5 stocks with the greatest probability of gaining +100% or more in the coming months. Of those 5, Director of Research Sheraz Mian highlights the one stock set to climb highest.This top pick is a little-known satellite-based communications firm. Space is projected to become a trillion dollar industry, and this company's customer base is growing fast. Analysts have forecasted a major revenue breakout in 2025. Of course, all our elite picks aren't winners but this one could far surpass earlier Zacks' Stocks Set to Double like Hims & Hers Health, which shot up +209%.Free: See Our Top Stock And 4 Runners UpWant the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Independent Bank Corporation (IBCP): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks