Independent Bank Corporation (IBCP)

Ratios and Metrics (Annual)

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Year	Current	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011 - 1996
Market Capitalization	414	508	404	509	507	477	461	340	300	274	31	Upgrade
Market Cap Growth	-	25.65%	-20.62%	0.50%	6.28%	3.41%	35.76%	13.38%	9.41%	777.02%	176.80%	Upgrade
Enterprise Value	459	507	394	572	502	512	423	301	274	213	-81	Upgrade
PE Ratio	7.11	8.07	7.20	10.97	12.72	23.29	20.25	16.97	16.62	3.34	1.43	Upgrade
PS Ratio	2.02	2.44	2.11	3.00	3.24	3.65	3.74	2.88	2.60	2.16	0.22	Upgrade
PB Ratio	1.25	1.27	1.04	1.45	1.50	1.80	1.85	1.35	1.20	1.18	0.23	Upgrade
P/FCF Ratio	4.18	4.87	7.29	17.18	12.31	13.86	22.31	17.82	32.98	6.26	1.20	Upgrade
P/OCF Ratio	3.96	4.61	6.89	14.76	11.28	12.35	19.45	14.86	22.92	5.26	1.06	Upgrade
EV/Sales Ratio	2.24	2.36	2.43	3.13	3.66	4.14	3.20	2.39	2.61	1.66	-2.53	Upgrade
EV/EBITDA Ratio	5.43	5.49	5.93	8.31	10.38	11.91	10.33	8.31	11.94	9.28	-16.83	Upgrade
EV/EBIT Ratio	6.29	6.35	6.71	9.18	11.65	14.06	11.97	9.60	11.94	9.28	-13.80	Upgrade
EV/FCF Ratio	4.64	4.71	8.41	17.89	13.91	15.72	19.06	14.80	33.14	4.81	-13.87	Upgrade
Debt / Equity Ratio	0.32	0.27	0.28	0.37	0.19	0.34	0.18	0.19	0.19	0.25	0.50	Upgrade
Debt / EBITDA Ratio	1.24	1.22	1.38	2.01	1.18	1.99	1.18	1.40	1.91	2.56	3.16	Upgrade
Debt / FCF Ratio	1.06	1.04	1.96	4.32	1.58	2.62	2.18	2.49	5.29	1.32	2.60	Upgrade
Asset Turnover	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.06	Upgrade
Return on Equity (ROE)	16.00%	15.90%	15.50%	13.60%	12.40%	7.80%	9.20%	7.90%	7.40%	40.50%	18.40%	Upgrade
Return on Assets (ROA)	1.30%	1.40%	1.40%	1.30%	1.30%	0.80%	0.90%	0.80%	0.80%	3.80%	0.90%	Upgrade
Return on Capital (ROIC)	1.60%	1.70%	1.70%	1.70%	1.60%	1.40%	1.30%	1.30%	1.10%	1.10%	1.30%	Upgrade
Earnings Yield	14.30%	12.40%	13.90%	9.10%	7.90%	4.30%	4.90%	5.90%	6.00%	30.00%	70.00%	Upgrade
FCF Yield	23.90%	20.60%	13.70%	5.80%	8.10%	7.20%	4.50%	5.60%	3.00%	16.00%	83.50%	Upgrade
Dividend Yield	4.42%	3.52%	4.33%	3.18%	2.85%	1.88%	1.57%	1.71%	1.38%	-	-	Upgrade
Payout Ratio	30.70%	28.90%	31.20%	35.50%	35.30%	43.80%	32.10%	29.50%	22.80%	0.00%	0.00%	Upgrade
Buyback Yield / Dilution	3.39%	2.78%	2.66%	6.74%	-13.00%	-0.41%	4.72%	2.85%	-0.61%	-156.12%	-5.05%	Upgrade
Total Shareholder Return	7.81%	6.30%	6.99%	9.92%	-10.15%	1.47%	6.29%	4.56%	0.77%	-156.12%	-5.05%	Upgrade

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).