Structured JSON API for this factor page: https://sharemaestro.com/factors/api/tickers/e647f62d-b7fe-4fbe-bc58-e613db4461ea/

IBCP

Independent Bank Corporation
Chart
36.41 USD
Latest Week 2026-07-17
Financial ServicesBanks - RegionalSMALL
Snapshot 2026-07-19 · 0.6w · Fresh
0.84
OS Score
80.0%
Value
86.0%
Quality
30.0%
Momentum
7/9
F-Score
0.829
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
10 of 23 passing
★
OS Composite
OS 0.840
↗
Trending Value
✗
◆
Quality × Value
QV 0.829
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 10.7
◇
VC2 Cheapest
✗
📐
EBITDA/EV
11.9%
◐
Veiled Value
✗
▣
Piotroski Bargains
F7
🔬
Quality Compounders
✗
📈
Consistent Earners
Yes
🌱
GARP
✗
🔄
Shareholder Yield
4.6%
💰
High Yield
✗
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 80%
🛡
Low Volatility
Vol 23%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.77
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
80.0%ile
P/E
10.7×
P/S
2.4×
P/B
1.5×
E/P
0.1062
FCF Yield
0.059
EBITDA/EV
0.119
SH Yield
0.046
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
28.00000000
/100 — 1=cheapest
VC2 (Trending Value)
24.00000000
/100
VC3 (Buyback)
22.00000000
/100
P/E of 10.7x places this firmly in deep value territory.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
86.0%ile
ROE
0.137
ROA
0.013
Net Margin
0.225
Op Margin
0.266
GPA
0.039
D/E
9.89
Current
61.78
F-Score
7/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
-0.017
Earn Growth
0.052
Stability
0.098
lower=better
Accruals
0.006
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 9.89 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
30.0%ile
6M Return
9.3%
12M Return
10.3%
12-1 Mom
3.9%
Risk-Adj
0.17
Vol 252d
22.7%
Vol 60d
49.2%
↑ Expanding
Max DD 12M
-13.5%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
Near-term vol (49%) is expanding vs long-term (23%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.84
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
49.7%
Sector Quality %ile
80.8%
P/E z-score
-0.21
P/B z-score
-0.06
Sector Avg OS
85.4%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 88.0% 89.0%
RILYL BRC Group Holdings, Inc. 99.0% 94.0% 88.0% 95.0%
BAP Credicorp Ltd 99.0% 97.0% 96.0% 91.0%
CARE Carter Bank and Trust 99.0% 96.0% 96.0% 91.0%
IX Orix Corp Ads 99.0% 98.0% 82.0% 90.0%
RNR Renaissancere Holdings Ltd 98.0% 96.0% 94.0% 78.0%
MCY Mercury General Corporation 98.0% 95.0% 83.0% 86.0%
MFG Mizuho Financial Group Inc. 98.0% 97.0% 70.0% 91.0%
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (80th) and quality (86th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Strong Capital Return
Shareholder yield 4.6% backed by 5.9% FCF yield. Returns are well-funded.
Volatility Expanding
60-day vol (49%) significantly exceeds 252-day (23%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
72.7% avg (7 factors)
Quality
C
49.1% avg (8 factors)
Momentum
D
40.5% avg (4 factors)
Risk
A
78.9% avg (1 factors)
Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends7 snapshots
Factor Persistence7 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.840—7—
Value %ile0.800—7—
Quality %ile0.860—7—
Momentum %ile0.300—1—
F-Score7.000—7—
Confidence0.969—7—
Volatility0.227—0—
Value Lens2021-07-20 → 2026-07-19
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
10.74
Earnings Yield (E/P)
0.1062
Price / Sales
2.42
Price / Book
1.47
Price / Cash Flow
20.95
FCF Yield
5.9%
EBITDA / EV
11.9%
Sales Yield (1/P·S)
0.3992
Shareholder Yield
Div + net buyback / mktcap
4.6%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
13.7%
Return on Assets
1.3%
Net Margin
22.5%
Operating Margin
26.6%
Gross Profit / Assets
Novy-Marx GPA
3.9%
Debt / Equity
9.89
Current Ratio
61.78
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.006
External Financing
Net issuance — lower=better
0.002
MomentumPrice trend strength over different horizons
6M Return
9.3%
12M Return
10.3%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
3.9%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.17
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
-1.7%
Earnings Growth (YoY)
5.2%
Earnings Stability (CV)
Lower = more stable
0.098
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
7
Dividend Yield
3.0%
Buyback Yield
1.7%
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
28
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
24
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
22
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
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity