Independent Bank Corporation — Earnings Quality Grade A
IBCP · Financial Services
Strong financial health
Screening Summary
管理层信号
数据来源：SEC EDGAR 8-K Item 5.02，附 Exhibit 99.1 链接
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 1.2%, CFFO 21.4%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -18.3% vs revenue 1.2%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.12. Profits backed by cash
FCF $0.1B, FCF/NI = 1.02
Accruals ratio = -0.1%. Low accruals
Cash $0.1B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 12% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -21% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Independent Bank Corporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25