Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/a0be364a-9028-4808-ac60-98923b1849d0/

INDB

Independent Bank
Chart
85.12 USD
Latest Week 2026-07-24
Financial ServicesBanks - RegionalMID
Snapshot 2026-07-26 · 0.6w · Fresh
0.73
OS Score
67.0%
Value
32.0%
Quality
76.0%
Momentum
6/9
F-Score
0.463
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
7 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 14.9
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
Yes
🌱
GARP
✗
🔄
Shareholder Yield
4.4%
💰
High Yield
✗
🚀
Momentum Leaders
12-1 31%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
Vol 21%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.62
⚡
Risk-Adj Momentum
RAM 1.44
V
Value Analysis
Cheapness relative to fundamentals
67.0%ile
P/E
14.9×
P/S
3.2×
P/B
1.2×
E/P
0.0631
FCF Yield
0.058
EBITDA/EV
0.071
SH Yield
0.044
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
65.00000000
/100 — 1=cheapest
VC2 (Trending Value)
34.00000000
/100
VC3 (Buyback)
36.00000000
/100
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
32.0%ile
ROE
0.077
ROA
0.011
Net Margin
0.216
Op Margin
0.227
GPA
0.035
D/E
6.11
Current
0.01
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.268
Earn Growth
0.439
Stability
0.324
lower=better
Accruals
0.001
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 6.11 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
76.0%ile
6M Return
9.6%
12M Return
31.8%
12-1 Mom
30.9%
Risk-Adj
1.44
Vol 252d
21.4%
Vol 60d
45.8%
↑ Expanding
Max DD 12M
-14.3%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 31% is very strong — a clear uptrend. Near-term vol (46%) is expanding vs long-term (21%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.73
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
24.2%
Sector Quality %ile
11.6%
P/E z-score
-0.09
P/B z-score
-0.06
Sector Avg OS
85.2%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
IFS Intercorp Financial Services Inc 99.0% 98.0% 83.0% 90.0%
UVE Universal Insurance Holdings Inc 99.0% 97.0% 92.0% 92.0%
RILYL BRC Group Holdings, Inc. 99.0% 95.0% 88.0% 95.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 88.0% 90.0%
BAP Credicorp Ltd 99.0% 97.0% 96.0% 90.0%
NTRS Northern Trust Corporation 98.0% 94.0% 89.0% 81.0%
SBFG SB Financial Group Inc 98.0% 96.0% 93.0% 76.0%
BBDO Banco Bradesco S/A ADR 98.0% 97.0% 92.0% 79.0%
Factor Interactions
Growth at Reasonable Price
Revenue growing 27% with P/E of 15×. Growth isn't fully priced in.
Strong Capital Return
Shareholder yield 4.4% backed by 5.8% FCF yield. Returns are well-funded.
Volatility Expanding
60-day vol (46%) significantly exceeds 252-day (21%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
63.2% avg (7 factors)
Quality
D
32.8% avg (8 factors)
Momentum
B
63.4% avg (4 factors)
Risk
A
81.0% avg (1 factors)
Deep value territory, but quality is concerning. This is either a turnaround opportunity or a value trap — the F-Score and accruals ratio will be key differentiators.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.730—8—
Value %ile0.670—0—
Quality %ile0.320—0—
Momentum %ile0.760—4—
F-Score6.000—0—
Confidence1.000—8—
Volatility0.214—0—
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
14.94
Earnings Yield (E/P)
0.0631
Price / Sales
3.23
Price / Book
1.15
Price / Cash Flow
16.14
FCF Yield
5.8%
EBITDA / EV
7.1%
Sales Yield (1/P·S)
0.2784
Shareholder Yield
Div + net buyback / mktcap
4.4%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
7.7%
Return on Assets
1.1%
Net Margin
21.6%
Operating Margin
22.7%
Gross Profit / Assets
Novy-Marx GPA
3.5%
Debt / Equity
6.11
Current Ratio
0.01
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.001
MomentumPrice trend strength over different horizons
6M Return
9.6%
12M Return
31.8%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
30.9%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.44
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
26.8%
Earnings Growth (YoY)
43.9%
Earnings Stability (CV)
Lower = more stable
0.324
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
6
Dividend Yield
2.9%
Buyback Yield
1.5%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
65
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
34
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
36
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity