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Zacks Company Profile for Independent Bank Corporation (IBCP : NSDQ)

• Company Description    Independent Bank Corporation is a bank holding company. Its subsidiary banks principally serve rural and suburban communities located across Michigan's Lower Peninsula. The Banks emphasize service and convenience as a principal means of competing in the delivery of financial services. Number of Employees: 834

• Price / Volume Information    Yesterday's Closing Price: $32.17 Daily Weekly Monthly 20 Day Moving Average: 89,280 shares Shares Outstanding: 20.71 (millions) Market Capitalization: $666.22 (millions) Beta: 0.87 52 Week High: $40.32 52 Week Low: $26.75 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 1.68% -0.16% 12 Week 5.93% -3.83% Year To Date -7.64% -17.53%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 4200 E BELTLINE AVE - GRAND RAPIDS,MI 49525 USA ph: 616-527-5820 fax: 616-527-4004 gmohr@ibcp.com http://www.independentbank.com

• General Corporate Information    Officers William B. Kessel - President; Chief Executive Officer and Director Stephen L. Gulis, Jr. - Chairperson and Director Christopher S. Michaels - Executive Vice President and Chief Operating Offic Gavin A. Mohr - Executive Vice President and Chief Financial Offic James J. Twarozynski - Senior Vice President and Chief Accounting Officer Peer Information Independent Bank Corporation (CNBA) Independent Bank Corporation (CNBD) Independent Bank Corporation (ASB) Independent Bank Corporation (CFIC) Independent Bank Corporation (OSBC) Independent Bank Corporation (FMBI) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-MIDWEST Sector: Finance CUSIP: 453838609 SIC: 6022 Fiscal Year Fiscal Year End: December Last Reported Quarter: 06/01/25 Next Expected EPS Date: 10/23/25 Share - Related Items Shares Outstanding: 20.71 Most Recent Split Date: 9.00 (0.10:1) Beta: 0.87 Market Capitalization: $666.22 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 3.23% Current Fiscal Quarter EPS Consensus Estimate: $0.83 Indicated Annual Dividend: $1.04 Current Fiscal Year EPS Consensus Estimate: $3.18 Payout Ratio: 0.34 Number of Estimates in the Fiscal Year Consensus: 3.00 Change In Payout Ratio: 0.03 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 08/05/2025 - $0.26 Next EPS Report Date: 10/23/25

• Fundamental Ratios P/E Current FY Estimate: 10.11 Trailing 12 Months: 10.48 PEG Ratio: - Price Ratios Price/Book: 1.42 Price/Cash Flow: 8.75 Price / Sales: 2.09 EPS Growth vs. Year Ago Period: -7.95% vs. Previous Quarter: 9.46% Sales Growth vs. Year Ago Period: -4.06% vs. Previous Quarter: 2.14% ROE 06/30/25 - 14.05 03/31/25 - 14.71 12/31/24 - 15.24 ROA 06/30/25 - 1.21 03/31/25 - 1.25 12/31/24 - 1.27 Current Ratio 06/30/25 - 0.92 03/31/25 - 0.91 12/31/24 - 0.89 Quick Ratio 06/30/25 - 0.92 03/31/25 - 0.90 12/31/24 - 0.89 Operating Margin 06/30/25 - 20.31 03/31/25 - 20.62 12/31/24 - 20.67 Net Margin 06/30/25 - 20.31 03/31/25 - 20.62 12/31/24 - 20.67 Pre-Tax Margin 06/30/25 - 25.06 03/31/25 - 25.57 12/31/24 - 25.70 Book Value 06/30/25 - 22.65 03/31/25 - 22.28 12/31/24 - 21.76 Inventory Turnover 06/30/25 - 8.10 03/31/25 - 7.71 12/31/24 - 7.97 Debt-to-Equity 06/30/25 - 0.39 03/31/25 - 0.27 12/31/24 - 0.27 Debt-to-Capital 06/30/25 - 27.89 03/31/25 - 21.03 12/31/24 - 21.48

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