Independent Bank Corp.
Underestimation
| Parameter | Grade | Value | Sector average | Difference with sector, % | Average for 5 years | Difference from average, % |
|---|---|---|---|---|---|---|
| P/E |
8/10
|
12.17 | 21.15 | -42.46% | 17.37 | -29.95% |
| P/S |
|
3.66 | 4.07 | -10.01% |
|
|
| P/BV |
|
1.01 | 0.4704 | 114.04% |
|
|
| P/FCF |
|
9.19 | 31.96 | -71.25% |
|
|
| Ev/Ebitda |
|
12.58 | 15.38 | -18.21% |
|
|
| Ev/S |
|
4.98 | 3.99 | 24.82% |
|
|
| Ev/FCF |
|
14.93 | 46.6 | -67.95% |
|
|
| E/P |
|
0.0982 | 0.1909 | -48.55% |
|
|
Efficiency
| Parameter | Grade | Value | Sector average | Difference with sector, % | Average for 5 years | Difference from average, % |
|---|---|---|---|---|---|---|
| Ebitda margin |
9/10
|
39.6 | 21.26 | 86.28% | 43.45 | -8.86% |
| ROE |
|
8.27 | 6.48 | 27.59% |
|
|
| ROA |
|
1.24 | 5.97 | -79.28% |
|
|
| ROIC |
|
0 | 5.05 | -100% |
|
|
| ROS |
|
30.1 | 23.22 | 29.62% |
|
|
| ROCE |
|
10.88 | -8.3 | -231.01% |
|
|
Debt
| Parameter | Grade | Value | Sector average | Difference with sector, % | Average for 5 years | Difference from average, % |
|---|---|---|---|---|---|---|
| Debt/Ebitda |
0/10
|
7.42 | -7.92 | -193.6% | 3.95 | +87.84% |
| Nеt Debt/Ebitda |
|
3.33 | 19.93 | -83.28% |
|
|
| Debt/Ratio |
|
0.1208 | 0.2022 | -40.24% |
|
|
| Debt/Equity |
|
1.34 | 14.92 | -91.05% |
|
|
| Debt/Net Income |
|
9.76 | 4.96 | 96.93% |
|
|
Dividends
| Parameter | Grade | Value | Sector average | Difference with sector, % | Average for 5 years | Difference from average, % |
|---|---|---|---|---|---|---|
| Dividend yield |
10/10
|
4.1 | 1.75 | 134.7% | 2.89 | +42.09% |
| Number of years of dividend growth |
|
13 | 2.96 | 338.96% | ||
| DSI |
|
1 | 0.7848 | 27.42% |
|
|
| Average dividend growth |
|
6.47 | 1.77 | 264.99% |
|
|
| Average percentage for 5 years |
|
2.89 | 2.02 | 42.86% |
|
|
| Average percentage for payments |
|
35.77 | 46.26 | -22.67% |
|
|
| Difference from average difference in sector |
|
2.35 |
Growth impulse
| Parameter | Grade | Value | Sector average | Difference with sector, % | ||
|---|---|---|---|---|---|---|
| Growth impulse Revenue in 5 years |
7/10
|
56.52 | 6923.79 | -99.18% | ||
| Growth impulse Ebitda in 5 years |
|
8.14 | 189.92 | -95.71% | ||
| Growth impulse Net Income in 5 years |
|
44.98 | 198.31 | -77.32% | ||
| Growth impulse FCF in 5 years |
|
30.64 | 383.08 | -92% | ||
| Growth impulse EPS in 5 years |
|
7.74 | 303.12 | -97.45% |
IP Score
6.03/10
