IBCP
Independent BankBNasdaq / Banks
Last Price
At close
2026-07-20
Current thesis
Composite grade B from latest DB weights. Momentum 40.1 / Value 61.3 / Sentiment 59.6
Posture
Constructive
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-07-23 · BMO.
What can break
Mixed signals. Wait for cleaner trend confirmation.
Momentum
40
Value
61
Sentiment
60
Setup hits (3d)
0 · Net Neutral
AI TargetsBase - · Bull - · Bear -
Earnings
2026-07-23 · BMO
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-20 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
Unavailable: No memo yet
Investment thesisAs of 2026-07-20
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $38.30
Why
Momentum40 · Δ7d +11.1
Value61 · Δ7d +0.0
Sentiment60 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
40
26% active weight
Current posture
7d trendFlat
Δ7d
+11.1
Δ21d
-3.4
Value
61
39% active weight
Current posture
7d trendFlat
Δ7d
+0.0
Δ21d
+0.2
Sentiment
60
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade B. Momentum 40.1 / Value 61.3 / Sentiment 59.6
Fundamentals (TTM)As of 2026-07-20
Fundamentals (TTM)
As of 2026-07-20
Market Cap
$751.92M
Beta
0.79
Shares Out
20.61M
P/E (TTM)
10.1
P/S (TTM)
2.96
P/FCF (TTM)
12.37
Rev YoY
+2.1%
EPS YoY
+10.2%
Gross Margin
-
Op Margin
+36.5%
Net Debt
$72.16M
Current Ratio
0.20
As of 2026-07-20 • Updated nightlySource: Internal modelMethodology