INDEPENDENT BANK CORP (INDB) FY2025 10-K Annual Report
INDEPENDENT BANK CORP (INDB) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 27, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
INDEPENDENT BANK CORP FY2025 10-K Analysis
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
Management Discussion & Analysis
- • No revenue or profitability figures disclosed in provided text
- • No segment performance data or specific dollar amounts available
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
INDEPENDENT BANK CORP FY2025 Key Financial MetricsXBRL
Revenue
$1.0B
▲ +19.9% YoY
Net Income
$205M
▲ +6.8% YoY
Net Margin
20.1%
▼ -246bp YoY
ROE
5.8%
▼ -66bp YoY
Total Assets
$24.9B
▲ +28.6% YoY
EPS (Diluted)
$4.44
▼ -1.8% YoY
Operating Cash Flow
$251M
▲ +9.2% YoY
Source: XBRL data from INDEPENDENT BANK CORP FY2025 10-K filing on SEC EDGAR. All figures in USD.
Get deeper insights on INDEPENDENT BANK CORP
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.