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Independent Bank Corp. (INDB)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

ファンダメンタル

61

株価

$83.17

時価総額

$3.96B

パート1 · 企業の価値

概要

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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Who this company fights with for the same customers

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貸借対照表と流動性

売上高

$1.00B

直近12か月(2026/6/30まで)

純利益

$271M

直近12か月(2026/6/30まで)

フリーキャッシュフロー

$239M

自己資本合計

$3.57B

負債合計

$21.35B

流動比率

-

利払い倍率

0.42

負債/EBITDA

-

一株当たり利益(EPS)

売上高と純利益

フリーキャッシュフロー

収益内訳

財務推移表

利益率の推移

負債の推移

成長率グリッド

成長率 — 売上高

適正価値の推定

Bank割高

適正価値

$63.15

現在株価

$83.17

安全マージン

-31.7%

適正価値レンジ

$45.16 - $81.14

推定方法

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
アナリスト・コンセンサス:強い買い (10B / 2H / 1S)
直近の決算サプライズ:-6.15%

バリュエーション指標

P/E レシオ

15.10

ROE

5.8%

P/B レシオ

1.13

P/FCF

13.02

粗利益率

-

ROIC

-

収益性レーダー

Value Creation (Economic Moat)

ROIC

-

WACC

9.6%

ROIC − WACC

-

ファンダメンタル分析基準

合格(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%

不合格(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

データなし(5)

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

Piotroski F-スコア

3/9

重大な財務上の懸念

score
criteria

利益の質

1.19

高品質:利益はキャッシュに裏付けられている

株式希薄化

8.7%

新株を発行しており、所有権を希薄化している

ガバナンス

経営陣

氏名役職年齢
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-

監査リスク

4

取締役会リスク

1

報酬リスク

2

株主権利リスク

6

パート2 · 株価と買い時

この部分は企業に価値があるかを判断するものではありません。ファンダメンタルズに納得したうえで、いつ買うかを選ぶためのものです。内容:テクニカル分析、ポテンシャル、過去のドローダウン、ガンマエクスポージャー。

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