Filing Flows › Independent Bank (IBCP) › Q2 2026 › vs Q2 2025
Independent Bank (IBCP) Q2 2026 vs Q2 2025 (year over year)
Independent Bank's revenue rose $7.3M (+13%) from $55.9M in Q2 2025 to $63.2M in Q2 2026. Operating margin 35.9% against 37.0% (-1.1 pts).
Independent Bank, Q2 2026: revenue $63.2M (+13% year over year), operating margin 35.9%, net earnings $18.8M, operating cash flow $20.3M. The chart draws each line against Q2 2025, the increases inside each band.
Margins
| Q2 2026 | Q2 2025 | Change | |
|---|---|---|---|
| Operating margin | 35.9% | 37.0% | -1.1 pts |
| Net margin | 29.7% | 30.2% | -0.4 pts |
| Free cash flow margin | 26.4% | 30.2% | -3.8 pts |
Every line
| Line | Q2 2026 | Q2 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $63.2M | $55.9M | $7.3M | +13% |
| Operating profit | $22.7M | $20.7M | $2.0M | +10% |
| Costs & expenses | $40.5M | $35.3M | $5.3M | +15% |
| Pre-tax earnings | $22.7M | $20.7M | $2.0M | +10% |
| Credit loss provision | $2.7M | $1.5M | $1.2M | +81% |
| Noninterest expense | $37.8M | $33.8M | $4.0M | +12% |
| Net earnings | $18.8M | $16.9M | $1.9M | +11% |
| Income tax | $3.9M | $3.8M | $104K | +3% |
| Depreciation & amortization | $2.4M | $2.4M | −$16K | -0.7% |
| Share-based compensation | $675K | $639K | $36K | +6% |
| Working capital & other | $1.6M | $734K | $851K | +116% |
| Operating cash flow | $20.3M | $19.2M | $1.1M | +6% |
| Free cash flow (OCF − capex) | $16.7M | $16.9M | −$185K | -1% |
| Capital expenditures | $3.6M | $2.3M | $1.3M | +56% |
Questions
How much did Independent Bank's revenue grow year over year in Q2 2026?
Independent Bank's revenue rose $7.3M (+13%) from $55.9M in Q2 2025 to $63.2M in Q2 2026. Operating margin 35.9% against 37.0% (-1.1 pts).