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Independent Bank Corp. (INDB)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

Fundamental

61

Preço

$83.17

Capitalização de Mercado

$3.96B

Parte 1 · Quanto vale a empresa

Visão Geral

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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No competitor list for this company yet.

Balanço & Liquidez

Receita

$1.00B

Últimos 12 meses (até 30/06/2026)

Resultado Líquido

$271M

Últimos 12 meses (até 30/06/2026)

Fluxo de Caixa Livre

$239M

Capital Próprio Total

$3.57B

Passivo Total

$21.35B

Rácio de Liquidez

-

Cobertura de Juros

0.42

Dívida/EBITDA

-

Resultados Por Ação

Receita & Resultado Líquido

Fluxo de Caixa Livre

Decomposição dos Resultados

Demonstração histórica

Margens ao longo do tempo

A dívida ao longo do tempo

Grelha do crescimento

Crescimento — Receitas

Estimativa de Valor Justo

BankSobrevalorizada

Valor Justo

$63.15

Preço Atual

$83.17

Margem de Segurança

-31.7%

Intervalo de Valor Justo

$45.16 - $81.14

Métodos de Estimativa

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 dos Analistas:Compra Forte (10B / 2H / 1S)
Última Surpresa de Resultados:-6.15%

Métricas de Avaliação

Rácio P/E

15.10

ROE

5.8%

Rácio P/B

1.13

P/FCF

13.02

Margem Bruta

-

ROIC

-

Radar de Rentabilidade

Value Creation (Economic Moat)

ROIC

-

WACC

9.6%

ROIC − WACC

-

Critérios de Análise Fundamental

Aprovado (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%

Reprovado (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

Indisponível (5)

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

Piotroski F-Score

3/9

Preocupações financeiras graves

score
criteria

Qualidade dos Resultados

1.19

Alta qualidade: resultados respaldados por caixa

Diluição de Ações

8.7%

A emitir novas ações, diluindo a participação

Governação

Equipa Executiva

NomeCargoIdade
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-

Risco de Auditoria

4

Risco do Conselho

1

Risco de Remuneração

2

Risco dos Direitos dos Acionistas

6

Parte 2 · O preço e o momento de entrar

Esta parte não serve para saber se a empresa vale: serve para escolher quando comprá-la, depois que os fundamentos te convenceram. Dentro: análise técnica, potencial, quedas históricas, exposição gama.

Latest News

Recent headlines for INDB, sourced from Markets Gazette.

No recent news for INDB.