Independent Bank (IBCP) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended September 2025, Independent Bank (IBCP) reported revenue of $57.3 million, up 11.6% over the same period last year. EPS came in at $0.84, compared to $0.65 in the year-ago quarter.The reported revenue represents a surprise of -1.55% over the Zacks Consensus Estimate of $58.2 million. With the consensus EPS estimate being $0.83, the EPS surprise was +1.2%.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): 3.5% versus the two-analyst average estimate of 3.6%.Efficiency Ratio: 58.9% compared to the 59.6% average estimate based on two analysts.Total non-interest income: $11.94 million compared to the $12.43 million average estimate based on two analysts.Net Interest Income: $45.36 million compared to the $45.83 million average estimate based on two analysts.View all Key Company Metrics for Independent Bank here>>>Shares of Independent Bank have returned +2.9% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.Quantum Computing Stocks Set To SoarArtificial intelligence has already reshaped the investment landscape, and its convergence with quantum computing could lead to the most significant wealth-building opportunities of our time.Today, you have a chance to position your portfolio at the forefront of this technological revolution. In our urgent special report, Beyond AI: The Quantum Leap in Computing Power, you'll discover the little-known stocks we believe will win the quantum computing race and deliver massive gains to early investors.Access the Report Free Now >>Want 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