Independent Bank Corp. (INDB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$84.40-2.34%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · INDB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 1.8% |
| Our one-year growth estimate | diamond | -6.6% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 8.4 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
INDB — dividend update
Dated 2026-09-17
OTHER EVENTS On September 17, 2026 Independent Bank Corp. issued a press release regarding the declaration of a quarterly common stock dividend, a copy of which is furnished here as Exhibit 99.1 and is incorporated by reference.
Why it matters: The company has kept buying shares, but Q3 repurchases were lower than Q2. Use of the remaining plan would confirm continued capital returns.
Supportive ifA company report shows more share repurchases under the plan. Less than $93 million remains in the authorization.
Worry ifThe next quarterly report shows no repurchases. The authorization stays near $93 million.
Why it matters: Core deposits grew in Q3, while deposit costs also rose. More growth without a sharp rise in cost would support the bank’s funding base.
Watch forCore deposits rise from $20.5 billion and deposit costs stay at or below 1.42%.
Also watch forCore deposits fall below $20.5 billion or deposit costs rise above 1.42%.
Why it matters: One office loan drove higher problem loans and reserves. More trouble could raise credit costs.
Worry ifNonperforming loans rise above $125.7 million, or net charge-offs top $1.2 million in one quarter.
Less concerning ifNonperforming loans fall below $125.7 million and net charge-offs stay at or below $1.2 million.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$65 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $197 loss on $10,000 · 2.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,430 loss on $10,000 · 14.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.