INDB at a glance
INDEPENDENT BANK CORP (INDB, SEC CIK 776901) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on September 17, 2026 and Form 4 insider filings as recently as August 31, 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 (INDB) reported revenue of $1.0 billion (up 19.9% from FY2024) and net income of $205.1 million. Diluted EPS was $4.44.
- As of June 30, 2026, 30 institutional investment managers tracked by SignalX reported holding INDEPENDENT BANK CORP (INDB) shares worth $1.9 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Venables Thomas R on August 25, 2026 of 3,750 shares at $83.00 per share.
- In the last 90 days, INDB insiders reported 0 open-market purchases ($0) and 2 open-market sales ($761K) on Form 4, a net sale of $761K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $1.0B
- +19.9% vs prior year
- Insiders · 90 days
- 0 buys · 2 sells
- Net −$761K
- 13F holders
- 30 funds
- $1.9B · +1 vs prior quarter
- Latest 8-K
- Sep 17, 2026
- Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Community-based banking focused on loan and deposit growth, wealth management, and fee income generation
- New emphasis on integrating $3.9B loans, $4.4B deposits, and 27 branches from July 2025 Enterprise acquisition
- Shift towards accelerated organic and acquisition-driven growth with 27.5% loan and 31.5% deposit increases vs prior year
- Net interest margin expanded 29 bps to 3.57%, operating net income excluding mergers surged 34.6% to $260.4M
- Merger-related expenses and loan loss provisions totaled $74.1M pre-tax, significantly impacting 2025 profitability metrics
Risk Factors
- Regulatory risk: Increased FDIC and Federal Reserve scrutiny post-2023 bank failures may raise compliance costs and regulatory penalties
- Macroeconomic risk: 77.2% loan portfolio concentration in Massachusetts/New England, vulnerable to local economic downturns including real estate value declines
- Operational risk: Potential environmental liability from hazardous substances on foreclosed properties could impose substantial remediation costs
- Market disruption risk: Decreased office and retail space demand due to remote work trends threatens commercial real estate loan collateral values
- Financial risk: Credit losses from commercial loans secured by fluctuating real estate and non-real estate collateral could materially reduce earnings and capital ratios
Management Discussion & Analysis
- Risk management framework detailed: nine major risk types including credit, liquidity, market, operational, reputational, regulatory, technology, strategic, and culture risks
- Board-approved Risk Appetite Statement outlines acceptable residual risk levels and oversight by Board Risk and Audit Committees
- No cash flow, capital allocation, or forward-looking guidance mentioned in excerpt
AI summary of the INDB 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income $81.8M vs $51.1M YoY; diluted EPS $1.70 vs $1.20
- Net interest margin 3.85% vs 3.37% YoY, up 48 basis points
- Loans $18.4B, down 0.2% quarter-over-quarter; deposits $20.4B, up 1.5%
- Q2 stock repurchases $75.0M at $77.79 average price per share
- Wealth assets under administration $9.5B vs $9.2B at December 31, 2025
Risk Factors
- No Risk Factors section provided; submitted text covers Items 2–6
- New $200 million repurchase plan effective April 30, 2026
- $150 million prior buyback plan completed with approximately $10.5 million remaining at April 30, 2026
- 964,141 shares repurchased during the quarter at average $77.79
- No director or executive officer adopted or terminated Rule 10b5-1 arrangements
AI summary of the INDB 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 8.01: Other Events
- Quarterly common stock dividend declaration by Independent Bank Corp.
- Press release furnished as Exhibit 99.1 contains dividend amount and payment details
Item EX-99.1: Item EX-99.1
- Quarterly dividend declared at $0.64 per share
- Payable October 9, 2026 to shareholders of record September 28, 2026
Item 7.01: Regulation FD Disclosure
- Investor presentation scheduled for Raymond James 2026 U.S. Bank & Banking on Tech Conferences, September 9, 2026
- Presentation may contain material operating or strategic updates relevant to INDB investors
Item 7.01: Regulation FD Disclosure
- Investor presentation scheduled for use at KBW Summer Bank Conference on July 28, 2026
- Reg FD disclosure signals potentially market-relevant information for investors and analysts
AI summaries of INDB 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for INDB
Don't miss the next INDB filing
- Alerts as it files. A push when INDB files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut INDB, by share count.
- Ask anything. An AI agent that reads every INDB filing and answers with sources.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| MISKELL EILEEN C | G | Aug 28, 2026 | 842 | - |
| Venables Thomas R | Sell | Aug 25, 2026 | 3,750 | $83.00 |
| Nadeau Gerard F | Sell | Aug 3, 2026 | 5,307 | $84.69 |
| OBrien Daniel F | A | May 19, 2026 | 842 | - |
| ANSIN KEN S | A | May 19, 2026 | 842 | - |
| Abelli Donna L | A | May 19, 2026 | 842 | - |
| O'Leary Leif | A | May 19, 2026 | 842 | - |
| PERRY DAWN | A | May 19, 2026 | 842 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $795.7M | $852.8M | $1.0B |
| Net Income | $239.5M | $192.1M | $205.1M |
| Net Margin | 30.1% | 22.5% | 20.1% |
| Balance Sheet | |||
| Total Assets | $19.3B | $19.4B | $24.9B |
| Equity | $2.9B | $3.0B | $3.6B |
| ROE | 8.3% | 6.4% | 5.8% |
| Per Share | |||
| EPS | - | $4.52 | $4.44 |
| Cash Flow | |||
| Operating CF | $277.0M | $229.9M | $251.2M |
| CapEx | $15.8M | $20.4M | $12.1M |
Source: XBRL data in INDEPENDENT BANK CORP (INDB)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate INDB share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 30 | $1.91B |
| Q1 2026 | 29 | $1.72B |
| Q4 2025 | 28 | $1.71B |
| Q3 2025 | 30 | $1.59B |
| Q2 2025 | 29 | $1.26B |
| Q1 2025 | 27 | $855.9M |
| Q4 2024 | 23 | $792.3M |
| Q3 2024 | 21 | $430.3M |
- State Street Corp+144.6K (+6%)
- Morgan Stanley+66.4K (+10%)
- Dimensional Fund Advisors+63.7K (+2%)
- Raymond James Financial+59.8K (+93%)
- Wells Fargo & Co+24.0K (+117%)
- Citadel Advisors LLC−251.7K (-26%)
- BlackRock−162.7K (-2%)
- Bank of America Corp−59.5K (-10%)
- Goldman Sachs Group−46.4K (-8%)
- Vanguard Portfolio Management LLC−31.8K (-1%)
- Truist Financial−2.8K
Source: 13F-HR filings on SEC EDGAR (aggregated from 217 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
INDB filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 17, 2026 | - | Analysis | - |
| 8-K | Sep 8, 2026 | - | Analysis | - |
| 4 | Aug 31, 2026 | - | - | - |
| 4 | Aug 26, 2026 | - | - | - |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 5, 2026 | - | - | - |
| 8-K | Jul 27, 2026 | - | Analysis | - |
| 8-K | Jul 16, 2026 | - | Analysis | - |
| 8-K | Jun 18, 2026 | - | Analysis | - |
| 8-K | Jun 16, 2026 | - | Analysis | - |
| 4 | Jun 1, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 8-K | May 14, 2026 | - | Analysis |
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INDB SEC filings: frequently asked questions
Are INDB insiders buying or selling?
In the last 90 days, INDEPENDENT BANK CORP (INDB) officers, directors and 10% owners reported no open-market purchases and 2 open-market sales worth $760,704 by 2 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold INDB stock?
As of June 30, 2026, the largest INDEPENDENT BANK CORP (INDB) holders among the 13F filers tracked by SignalX were BlackRock ($584.3 million), Vanguard Portfolio Management LLC ($274.0 million), State Street Corp ($223.2 million), Dimensional Fund Advisors ($220.5 million), Vanguard Capital Management LLC ($181.8 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was INDB's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), INDEPENDENT BANK CORP (INDB) reported revenue of $1.0 billion (up 19.9% from FY2024) and net income of $205.1 million. Diluted EPS was $4.44. The figures come from the XBRL data in the 10-K.
What are the main risks in INDB's latest 10-K?
In the 10-K filed February 27, 2026, INDEPENDENT BANK CORP (INDB) flagged: Regulatory risk: Increased FDIC and Federal Reserve scrutiny post-2023 bank failures may raise compliance costs and regulatory penalties. Macroeconomic risk: 77.2% loan portfolio concentration in Massachusetts/New England, vulnerable to local economic downturns including real estate value declines. (AI summary of the Risk Factors section.)
What did INDB report in its latest 8-K?
INDEPENDENT BANK CORP (INDB) filed an 8-K on September 17, 2026 reporting Item 8.01 (Other Events). Quarterly common stock dividend declaration by Independent Bank Corp.
What are the latest INDB SEC filings?
INDEPENDENT BANK CORP (INDB) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on September 17, 2026 and a Form 4 insider filing on August 31, 2026.
What is INDB's SEC CIK number?
INDEPENDENT BANK CORP (INDB)'s SEC Central Index Key (CIK) is 776901. EDGAR lists every INDB filing under that number.
Ask anything about INDB
The research agent reads INDB's filings, financials, insider trades and 13F holders, then answers with sources.