IBCP Earnings Date: Jan 28, 2027 (Estimated) — Independent Bank Corporation
NASDAQ · Financials · Banks - Regional
Updated
When is IBCP's next earnings date?
Independent Bank Corporation (IBCP) is expected to report Q4 2026 earnings on Thursday, January 28, 2027 at 8:00 AM ET (before market open); the date is an estimate and has not been confirmed by the company. The consensus estimate is EPS of $0.95 on revenue of $60.9M.
How did IBCP do in its last earnings report?
In its most recent report on Oct 27, 2026 (Q3 2026), Independent Bank Corporation posted EPS of $0.84 versus the $0.95 estimate, a miss of 11.4%. Revenue was $71.1M against a $69.0M estimate. The stock's 1-day post-earnings move was +0.3%.
How much does IBCP stock move after earnings?
IBCP beat EPS estimates in 6 of its last 8 reported quarters. Over the last 8 reports the stock moved an average of 1.1% (up or down) in the day after earnings.
About Independent Bank Corporation
As the holding company for Independent Bank, Independent Bank Corporation provides diverse banking services to both individual consumers and businesses. Its comprehensive suite of offerings includes checking and savings accounts, commercial lending, direct and indirect consumer financing, and mortgage solutions, along with safe deposit boxes. Customers also benefit from accessible automatic teller machines, internet banking, and mobile banking capabilities. The company further diversifies its portfolio with title insurance, insurance brokerage, and investment services. Headquartered in Grand Rapids, Michigan, and founded in 1864, Independent Bank Corporation reaches its clientele through roughly 59 branches, two drive-through facilities, and seven loan production offices across Michigan, in addition to two loan production offices in Ohio.
🤖 AI Earnings Analysis
Independent Bank’s $71M revenue beat is encouraging, but the regional lender’s $0.84 EPS missed estimates by $0.11, making results mixed despite reported 262% EPS growth; underlying earnings momentum remains unclear.
AI-generated summary — powered by BigEarnings.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-10-27 | Q3 2026 | 0.95 | 0.84 | -11.39% | $71.1M | ❌ Miss | +0.32% | — | — |
| 2026-07-23 | Q2 2026 | 0.85 | 0.90 | +5.88% | $63.2M | ✅ Beat | +1.76% | +7.33% | +4.20% |
| 2026-04-23 | Q1 2026 | 0.79 | 0.81 | +2.53% | $58.9M | ✅ Beat | -1.00% | -0.63% | +2.02% |
| 2026-01-22 | Q4 2025 | 0.84 | 0.89 | +5.95% | $46.4M | ✅ Beat | +0.96% | -2.66% | +6.31% |
| 2025-10-28 | Q3 2025 | 0.84 | 0.84 | +0.00% | $45.4M | ➖ Inline | -0.78% | -4.40% | +4.53% |
| 2025-04-24 | Q1 2025 | 0.70 | 0.74 | +5.71% | $43.7M | ✅ Beat | -1.24% | -2.62% | +1.85% |
| 2025-01-23 | Q4 2024 | 0.76 | 0.87 | +14.47% | $42.9M | ✅ Beat | +1.25% | +3.28% | -3.07% |
| 2024-10-24 | Q3 2024 | 0.76 | 0.81 | +6.58% | $41.9M | ✅ Beat | -1.48% | +0.96% | +14.37% |
Showing last 8 quarters.
Revenue by segment & region
By segment
Q2 FY26 · $12.6M total
| Segment | Share | Revenue | YoY | Q2 FY24 | Q3 FY24 | Q1 FY25 | Q2 FY25 |
|---|---|---|---|---|---|---|---|
| Interchange Income | 28.4% | $3.6M | +5.5% | $3.4M | $4.1M | $3.1M | $3.4M |
| Service Charges On Deposits | 24.6% | $3.1M | +4.0% | $2.9M | $3.1M | $2.8M | $3.0M |
| Overdraft Fees | 17.5% | $2.2M | +0.7% | $2.2M | $2.4M | $2.1M | $2.2M |
| Investment And Insurance Commissions | 6.9% | $864K | +6.7% | $838K | $881K | $753K | $810K |
| Account Service Charges | 6.1% | $768K | +14.1% | $621K | $593K | $593K | $673K |
| Other Deposit Related Income | 5.3% | $664K | -4.7% | $720K | $724K | $648K | $697K |
| Asset Management Revenue | 3.5% | $435K | +11.5% | $497K | $458K | $410K | $390K |
Source: company filings via FMP. YoY compares the same fiscal period a year earlier.