Independent Bank CorpINDB
Price$78.93Intrinsic value$71.0410% below price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $71.04median of 2 methodsbased on filings through 30 Jun 2026
Market Price $78.93Price as of 1 Oct 2026
Margin of Safety -10.0%as of 1 Oct 2026

Valuation methods vs. Market Price

Company vs. peer median Members

This section is available to registered members. Create a free account or sign in to unlock the full breakdown.

Sign in / Sign up

Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 13.1% (near-term consensus, capped) · years 2–5: -2.9%/yr (balance of the path).0.1% per year
Years 6–10: glide to demonstrated growth
Per-year rates
Yr 6-1.7%Yr 7-0.5%Yr 80.7%Yr 91.8%Yr 103.0%
-2.9% → 3.0%
Years 11–20: glide to long-run rate
Per-year rates
Yr 113.0%Yr 123.0%Yr 133.0%Yr 143.0%Yr 153.0%Yr 163.0%Yr 173.0%Yr 183.0%Yr 193.0%Yr 203.0%
3.0% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 3 windows (5/6/7y)0.1%
Discount rate (cost of equity) 8.8%
Volatility vs market (adjusted beta)0.85

Valuation Detail Members

This section is available to registered members. Create a free account or sign in to unlock the full breakdown.

Sign in / Sign up

Assumptions Sandbox Members

This section is available to registered members. Create a free account or sign in to unlock the full breakdown.

Sign in / Sign up

Compare with peers

Search any company to compare valuation, profitability, returns, growth, and financial strength side by side.

Compare the target company plus 1 peer. Sign in / Sign up to compare a maximum of 3 peers.

Best in rowHigher is betterLower is better—Data not available
TargetIndependent Bank CorpINDBFinancials
Valuation
P/E14.3×
P/S4.5×
P/B1.2×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin—
Operating margin—
Net margin37.2%
FCF margin35.3%
Returns
ROE7.7%
ROA1.1%
ROIC—
Growth
Revenue growth (YoY)—
5-yr fwd EPS growth—
Financial strength
Debt / Equity0.10×
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield3.1%

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.