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Independent Bank Corp. (INDB)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

Fundamental

61

Precio

$83.17

Capitalización Bursátil

$3.96B

Parte 1 · Cuánto vale la empresa

Resumen

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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Direct competitors

Who this company fights with for the same customers

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Balance y Liquidez

Ingresos

$1.00B

Últimos 12 meses (hasta 30/6/2026)

Beneficio Neto

$271M

Últimos 12 meses (hasta 30/6/2026)

Flujo de Caja Libre

$239M

Patrimonio Neto Total

$3.57B

Pasivo Total

$21.35B

Ratio de Liquidez

-

Cobertura de Intereses

0.42

Deuda/EBITDA

-

Beneficio Por Acción

Ingresos y Beneficio Neto

Flujo de Caja Libre

Desglose de Ingresos

Estado histórico

Márgenes en el tiempo

La deuda en el tiempo

Cuadro de crecimiento

Crecimiento — Ingresos

Estimación de Valor Justo

BankSobrevalorado

Valor Justo

$63.15

Precio Actual

$83.17

Margen de Seguridad

-31.7%

Rango de Valor Justo

$45.16 - $81.14

Métodos de Estimación

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
Consenso de Analistas:Compra Fuerte (10B / 2H / 1S)
Última Sorpresa de Resultados:-6.15%

Métricas de Valoración

Ratio P/E

15.10

ROE

5.8%

Ratio P/B

1.13

P/FCF

13.02

Margen Bruto

-

ROIC

-

Radar de Rentabilidad

Value Creation (Economic Moat)

ROIC

-

WACC

9.6%

ROIC − WACC

-

Criterios de Análisis Fundamental

Superado (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%

Fallido (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

No disponible (5)

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

Piotroski F-Score

3/9

Preocupaciones financieras graves

score
criteria

Calidad de los Beneficios

1.19

Alta calidad: beneficios respaldados por efectivo

Dilución de Acciones

8.7%

Emitiendo nuevas acciones, diluyendo la participación

Gobernanza

Equipo Directivo

NombreCargoEdad
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-

Riesgo de Auditoría

4

Riesgo del Consejo

1

Riesgo de Compensación

2

Riesgo de Derechos del Accionista

6

Parte 2 · El precio y el momento de entrar

Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.

Latest News

Recent headlines for INDB, sourced from Markets Gazette.

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