IBCP at a glance
INDEPENDENT BANK CORP /MI/ (IBCP, SEC CIK 39311) filed its latest 10-K annual report on March 6, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on July 27, 2026 and Form 4 insider filings as recently as October 2, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), INDEPENDENT BANK CORP /MI/ (IBCP) reported revenue of $32.1 million (up 0.3% from FY2024) and net income of $68.5 million. Diluted EPS was $3.27.
- As of June 30, 2026, 31 institutional investment managers tracked by SignalX reported holding INDEPENDENT BANK CORP /MI/ (IBCP) shares worth $339.5 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Kessel William B on September 15, 2026 of 106 shares at $37.25 per share.
- In the last 90 days, IBCP insiders reported 0 open-market purchases ($0) and 11 open-market sales ($104K) on Form 4, a net sale of $104K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $32.1M
- +0.3% vs prior year
- Insiders · 90 days
- 0 buys · 11 sells
- Net −$104K
- 13F holders
- 31 funds
- $339.5M · +2 vs prior quarter
- Latest 8-K
- Jul 27, 2026
- Item 5.02
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Risk Factors
- New integration risk triggered by July 1 HCB acquisition; systems integration scheduled for November 9, 2026
- Credit risk from acquired HCB loans totaling approximately $371.9 million under differing underwriting standards
- Regulatory risk from assets reaching approximately $6.3 billion, increasing compliance and supervisory expectations
- Financial risk from approximately $74.9 million merger consideration creating goodwill and intangible-asset impairment exposure
- Legal and reputational risk from undiscovered HCB liabilities, compliance deficiencies, or regulatory exposures
AI summary of the IBCP 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Board expanded from 10 to 11 directors following HCB Financial Corp. acquisition
- Nathan E. Tagg appointed director effective July 21, 2026, representing former HCB Financial Corp. governance continuity
Item EX-99.1: Item EX-99.1
- Nathan E. Tagg appointed to IBCP, Independent Bank, and Highpoint Community Bank boards effective July 21, 2026
- Former Highpoint director adds continuity following the July 1, 2026 acquisition
Item 2.02: Results of Operations and Financial Condition
- IBCP announced financial results for quarter ended June 30, 2026
- Exhibit 99.1 contains the earnings press release with detailed financial results
Item EX-99.1: Item EX-99.1
- Q2 net income $18.8M, or $0.90 diluted EPS, up from $16.9M and $0.81 year over year
- Net interest margin 3.71%, up from 3.58%; net interest income increased 7.4% to $47.9M
Item 8.01: Other Events
- HCB shareholders approved merger with Independent Bank Corporation on June 17, 2026
- Expected closing July 1, 2026, subject to remaining closing conditions and regulatory approvals
AI summaries of IBCP 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for IBCP
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Boer William J | A | Oct 1, 2026 | 292 | $35.24 |
| Tagg Nathaniel Ernest | A | Oct 1, 2026 | 650.3 | $31.72 |
| Cok Michael J | A | Oct 1, 2026 | 373.83 | $31.72 |
| Wooldridge Michael G. | A | Oct 1, 2026 | 140.23 | $31.72 |
| Keller Christina | A | Oct 1, 2026 | 650.3 | $31.72 |
| Kruse Ronia F | A | Oct 1, 2026 | 130.06 | $31.72 |
| Kessel William B | Sell | Sep 15, 2026 | 106 | $37.25 |
| Kessel William B | Sell | Sep 15, 2026 | 195 | $37.19 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $32.9M | $32.0M | $32.1M |
| Net Income | $59.1M | $66.8M | $68.5M |
| Net Margin | 179.5% | 208.9% | 213.7% |
| Balance Sheet | |||
| Total Assets | $5.3B | $5.3B | $5.5B |
| Equity | $404.4M | $454.7M | $503.0M |
| ROE | 14.6% | 14.7% | 13.6% |
| Per Share | |||
| EPS | - | $3.16 | $3.27 |
| Cash Flow | |||
| Operating CF | $75.6M | $63.2M | $76.7M |
| CapEx | $6.0M | $8.0M | $6.5M |
Source: XBRL data in INDEPENDENT BANK CORP /MI/ (IBCP)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate IBCP share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 31 | $339.5M |
| Q1 2026 | 29 | $317.4M |
| Q4 2025 | 27 | $312.3M |
| Q3 2025 | 27 | $322.0M |
| Q2 2025 | 28 | $319.4M |
| Q1 2025 | 24 | $207.3M |
| Q4 2024 | 21 | $196.6M |
| Q3 2024 | 17 | $114.3M |
- Citadel Advisors LLC+124.8K (+145%)
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- Morgan Stanley+66.4K (+36%)
- AQR Capital Management+43.2K (+32%)
- FMR LLC (Fidelity)−561.0K (-99%)
- Goldman Sachs Group−127.2K (-23%)
- Two Sigma Investments−31.7K (-9%)
- Millennium Management−26.9K (-30%)
- Vanguard Capital Management LLC−25.6K (-3%)
- Prudential Financial+32.5K
- D.E. Shaw & Co+27.7K
- Allstate+12.7K
- Mangrove Partners−6.2K
Source: 13F-HR filings on SEC EDGAR (aggregated from 204 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
IBCP filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Aug 20, 2026 | - | - | - |
| 4 | Aug 10, 2026 | - | - | - |
| 10-Q | Aug 5, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 4, 2026 | - | - | - |
| 8-K | Jul 27, 2026 | - | Analysis | - |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | Jul 2, 2026 | - | - | - |
| 8-K | Jun 18, 2026 | - | Analysis | - |
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IBCP SEC filings: frequently asked questions
Are IBCP insiders buying or selling?
In the last 90 days, INDEPENDENT BANK CORP /MI/ (IBCP) officers, directors and 10% owners reported no open-market purchases and 11 open-market sales worth $104,112 by 3 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold IBCP stock?
As of June 30, 2026, the largest INDEPENDENT BANK CORP /MI/ (IBCP) holders among the 13F filers tracked by SignalX were BlackRock ($107.7 million), Dimensional Fund Advisors ($32.1 million), Vanguard Capital Management LLC ($31.7 million), State Street Corp ($29.7 million), Renaissance Technologies LLC ($22.3 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was IBCP's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), INDEPENDENT BANK CORP /MI/ (IBCP) reported revenue of $32.1 million (up 0.3% from FY2024) and net income of $68.5 million. Diluted EPS was $3.27. The figures come from the XBRL data in the 10-K.
What did IBCP report in its latest 8-K?
INDEPENDENT BANK CORP /MI/ (IBCP) filed an 8-K on July 27, 2026 reporting Item 5.02 (Departure/Appointment of Directors or Principal Officers). Board expanded from 10 to 11 directors following HCB Financial Corp. acquisition.
What are the latest IBCP SEC filings?
INDEPENDENT BANK CORP /MI/ (IBCP) filed its latest 10-K annual report on March 6, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on July 27, 2026 and a Form 4 insider filing on October 2, 2026.
What is IBCP's SEC CIK number?
INDEPENDENT BANK CORP /MI/ (IBCP)'s SEC Central Index Key (CIK) is 39311. EDGAR lists every IBCP filing under that number.
Ask anything about IBCP
The research agent reads IBCP's filings, financials, insider trades and 13F holders, then answers with sources.