Obermatt

Independent Bank

NSQ:INDB · US4538361084
BanksSmall

360

89
Profit price37
Cash yield73
Price/Sales21
EV / Gross Profit57
Price/Book59
Returns on capital50
Profit margins
Cash Conversion87
Accruals84
Owner Earnings Margin43
Sales growth77
Profit Growth95
Owner Earnings Growth76
Reinvestment6
Price momentum54
Debt load38
Debt serviceability21
Liquidity77
Analyst ratings69
Opinion Changes93
Price Target Upside78
Market mood85
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Independent Bank clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1985
ISINUS4538361084
Last UpdateApr 2, 2026

Description

Independent Bank Corp. operates as a state-chartered, federally registered bank holding company for Rockland Trust Company (‘Rockland Trust’ or the ‘bank’). The bank provides a wide range of banking, investment, and financial services, operating wit…

Analysis

Middle-of-the-road

Independent Bank Corp. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 14.8×; owner earnings: the cash an owner could take out each year.

Growth is solid and accelerating; the safety picture is adequate. The company scores 13/20 on our value-creation score: creating some value. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
82
2023202420252026

All-time high

100

Jan 2025

All-time low

29

Jan 2023

Average rank

69

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
21
30
16
3
Price/Earnings
60
30
28
3
Price/Book
59
72
64
19
Dividend Yield
73
71
58
47
Value (overall)
52
55
32
3

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →