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Independent Bank Corp. (INDB)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

Fundamental

61

Kurs

$83.17

Marktkapitalisierung

$3.96B

Teil 1 · Was das Unternehmen wert ist

Übersicht

Independent Bank Corp. operates as the bank holding company for Rockland Trust Company that provides commercial banking products and services to individuals and small-to-medium sized businesses in the United States. It provides interest checking, money market, and savings accounts, as well as demand deposits and time certificates of deposit. The company also offers commercial real estate and construction, commercial and industrial, small business, secured and unsecured commercial, and consumer real estate loans; term loans and revolving/nonrevolving lines of credit; overdraft protection and letters of credit; and residential mortgages and home equity loans and lines. In addition, it provides cash management services, such as ACH transaction processing, positive pay, and remote deposit services; investment management and trust services to individuals, institutions, small businesses, and charitable institutions; interchange fees; ATM fees; mobile, online, and telephone banking; estate settlement, financial planning, tax services, and other services; debit and credit cards; and mutual fund and unit investment trust shares, third party model portfolios, general securities, fixed and variable annuities, and life insurance products, as well as advisory platforms. Further, the company invests in low-income housing tax credit projects; holds, maintains, and disposes foreclosed properties; and operates as an investment advisor. The company was founded in 1907 and is headquartered in Rockland, Massachusetts.

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Bilanz & Liquidität

Umsatz

$1.00B

Letzte 12 Monate (bis 30.6.2026)

Nettogewinn

$271M

Letzte 12 Monate (bis 30.6.2026)

Freier Cashflow

$239M

Gesamtes Eigenkapital

$3.57B

Gesamtverbindlichkeiten

$21.35B

Current Ratio

-

Zinsdeckungsgrad

0.42

Schulden/EBITDA

-

Gewinn je Aktie

Umsatz & Nettogewinn

Freier Cashflow

Ertragsaufschlüsselung

Historische Aufstellung

Margen im Zeitverlauf

Verschuldung im Zeitverlauf

Wachstumsraster

Wachstum — Umsatz

Innerer-Wert-Schätzung

BankÜberbewertet

Innerer Wert

$63.15

Aktueller Kurs

$83.17

Sicherheitsmarge

-31.7%

Innerer-Wert-Spanne

$45.16 - $81.14

Bewertungsmethoden

Analyst price target:$93.43
Discounted cash flow (DCF):Not applicable to this type of company
Earnings multiple (P/E):$59.44
Graham growth formula:Not applicable to this type of company
Earnings power value (EPV):Not applicable to this type of company
Justified P/B:$53.74
Dividend discount (Gordon):$44.97
P/FFO, funds from operations:Not applicable to this type of company
Mid-cycle earnings:Not applicable to this type of company
Revenue multiple:Not applicable to this type of company
Analystenkonsens:Starker Kauf (10B / 2H / 1S)
Letzte Gewinnüberraschung:-6.15%

Bewertungskennzahlen

P/E-Verhältnis

15.10

ROE

5.8%

P/B-Verhältnis

1.13

P/FCF

13.02

Bruttomarge

-

ROIC

-

Rentabilitäts-Radar

Value Creation (Economic Moat)

ROIC

-

WACC

9.6%

ROIC − WACC

-

Fundamentalanalyse-Kriterien

Bestanden (14)

  • EPS shows upward trend
  • EPS CAGR 10.64%
  • P/FCF 13.02
  • P/B Ratio 1.13
  • Operating Margin 34.9%
  • Positive Free Cash Flow
  • CapEx intensity
  • Low reliance on intangibles
  • Price below Graham Number
  • ROE 7.7%
  • Revenue Growth 5Y 18.3%
  • Analyst Consensus 77% Buy
  • Earnings Quality (OCF/NI) 1.19
  • Net Margin Trend 27.0% vs 26.5%

Nicht bestanden (9)

  • Price CAGR 1.74%
  • Debt/Equity ratio
  • Interest Coverage
  • Return on Tangible Assets
  • DCF valuation (Overvalued)
  • Earnings Surprise avg -1.7%
  • PEG Ratio 3.68
  • Share Dilution 8.7%
  • Piotroski F-Score 3/9

Nicht verfügbar (5)

  • ROIC NaN%
  • Gross Margin NaN%
  • Dividend Payout NaN%
  • Current Ratio
  • Debt/EBITDA

Piotroski F-Score

3/9

Ernsthafte finanzielle Bedenken

score
criteria

Gewinnqualität

1.19

Hohe Qualität: Gewinne durch Cashflow gedeckt

Aktienverwässerung

8.7%

Neue Aktien werden ausgegeben, Eigentum wird verwässert

Unternehmensführung

Führungsteam

NamePositionAlter
Mr. Jeffrey J. TengelPresident, CEO & Director62
Mr. Mark J. Ruggiero CPAChief Financial Officer48
Ms. Patricia M. Natale Esq.Executive VP, General Counsel & Corporate Secretary59
Mr. Lee C. PowlusExecutive VP & Chief Administrative Officer of Rockland Trust Company64
Mr. James RizzoExecutive VP & Chief Commercial Banking Officer of Rockland Trust Company62
Mr. David Byron Smith C.F.A.Executive VP & Chief Investment Officer-
Ms. Maureen A. GaffneySenior VP, Controller & Principal Accounting Officer46
Mr. Alastair IronsideExecutive VP & Chief Marketing Officer-
Ms. Maria S. HarrisExecutive VP & Chief Human Resource Officer of Rockland Trust Company54
Mr. Timothy C. LaneExecutive VP & Chief Internal Auditor-

Prüfungsrisiko

4

Vorstandsrisiko

1

Vergütungsrisiko

2

Aktionärsrechterisiko

6

Teil 2 · Der Preis und der Einstiegszeitpunkt

Dieser Teil sagt nicht, ob das Unternehmen etwas taugt: Er hilft bei der Wahl des Kaufzeitpunkts, nachdem die Fundamentaldaten überzeugt haben. Enthalten: technische Analyse, Potenzial, historische Drawdowns, Gamma-Exposure.

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