INDB
Independent Bank Corp.
Financial Services · Banks - Regional · NMS
$78.92
Close 2026-05-28
✗ ETHICAL FAIL

UNKNOWN MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$3.8B
Trailing P/E
15.69
Forward P/E
9.45
Rev Growth
+51.6%
Profit Margin
27.5%
ROE
7.3%
Analyst Target
$94.00
Recommendation
BUY
About Independent Bank Corp.

Independent Bank Corp. operates as the bank holding company for Rockland Trust Company that provides commercial banking products and services to individuals and small-to-medium sized businesses in the United States. It provides interest checking, money market, and savings accounts, as well as demand deposits and time certificates of deposit. The company also offers commercial real estate and construction, commercial and industrial, small business, secured and unsecured commercial, and consumer real estate loans; term loans and revolving/nonrevolving lines of credit; overdraft protection and letters of credit; and residential mortgages and home equity loans and lines. In addition, it provides cash management services, such as ACH transaction processing, positive pay, and remote deposit services; investment management and trust services to individuals, institutions, small businesses, and charitable institutions; interchange fees; ATM fees; mobile, online, and telephone banking; estate settlement, financial planning, tax services, and other services; debit and credit cards; and mutual fund and unit investment trust shares, third party model portfolios, general securities, fixed and variable annuities, and life insurance products, as well as advisory platforms. Further, the company invests in low-income housing tax credit projects; holds, maintains, and disposes foreclosed properties; and operates as an investment advisor. The company was founded in 1907 and is headquartered in Rockland, Massachusetts.

Ethical Screen
Business ActivityFAIL
Debt RatioN/A
Cash RatioN/A
Receivables RatioN/A
Revenue RatioN/A
OverallFAIL
Score Ethical: 50.0
Score Valuation: 78.5
Score Quality: 68.0
Score Combined: 57.1

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation100.0
Quality70.2
Cash Flow50.0
Moat40.0
Balance Sheet50.0
Debt Purity50.0
Liquid Purity50.0
Rev Purity50.0
Compliance100.0
Tier: BRONZE · Score: 53.5 · Rank: #1128
Insider Transactions
No insider transaction data.
Top Institutional Holders
No institutional holder data.
Additional Fundamentals
Enterprise Value
$3.9B
Price/Book
1.09
Beta
0.799
Analysts
7
Total Revenue (TTM)
$876.2M
Total Debt
$828.4M
Earnings Growth
+56.7%
Dividend Yield
324.0%
Rec. Mean
1.86
Short Ratio
5.33
Short % Float
0.1%
Employees
2,294

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Trade Consideration
The Opportunity
Score 57.1 (P90 — top 9.8% of scored tickers). Unknown Moat. Ethical FAIL. 7 analysts at Buy.
Price: $78.92 | Target: $90.57 (+15%)
Score
57
Moat
Unknown
Conviction
Standard
Upside
+15%
The Fundamentals
Revenue Growth+51.6%
Profit Margin27.5%
ROE7.3%
Forward P/E9.4
Market Cap$3.8B
Position Sizing Scenarios
Stop: $67.08 (-15%) | Entry: $78.92
SharesCostProfit to TargetR:R
To Consensus ($90.57, 7 analysts)
10$789.20+$116.50 (15%)1.0R
50$3,946.00+$582.50 (15%)1.0R
100$7,892.00+$1,165.00 (15%)1.0R
Risk Factors
  • Elevated short interest (5.33 days to cover)
The Verdict
Independent Bank Corp. holds a unknown competitive moat and is growing revenue at +51.6%.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

B
Quant Score
61.6
Risk Grade
LOW_RISK
Layers
7
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-2.8%
worst expected daily loss, 19 in 20 days
CVaR 95%
-4.3%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
1.34
above 1.0 is good
Max Drawdown
-27.2%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
75
Liquidity Grade
LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
ABOVE_200
Bollinger Position
UPPER_HALF
Beta
Relative Volume
1.4x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
Earnings Consistency
Correlations

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Inverse Correlated
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Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Wednesday
Worst Day
Thursday
Best Month
Jul
Worst Month
Mar
Fri-Mon Effect
-0.19912409360677355
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
+0.4%
3M Return
-2.8%
6M Return
+13.3%
12M Return
+31.1%
Momentum Rank
#2009
Momentum Signal
UP

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