Independent Bank Corp. (INDB)
被高估基本面
64
价格
$78.33
市值
$3.68B
第一部分 · 这家公司值多少
概览
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.
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资产负债表与流动性
营收
$1.00B
最近12个月（截至2026/6/30）
净利润
$271M
最近12个月（截至2026/6/30）
自由现金流
$239M
股东权益合计
$3.57B
负债合计
$21.35B
流动比率
-
利息覆盖率
0.42
债务/EBITDA
-
每股收益
营收与净利润
自由现金流
收入构成
历史财务表
利润率变化
债务变化
增长一览表
增长 — 营业收入
公允价值估算
公允价值
$63.58
当前价格
$78.33
安全边际
-23.2%
公允价值区间
$46.03 - $81.13
所用估值方法之间的离散区间，并非经过统计校准的置信区间。
估算方法
估值指标
市盈率（P/E）
14.04
ROE
5.8%
市净率（P/B）
1.05
P/FCF
12.11
毛利率
-
ROIC
-
盈利能力雷达图
价值创造（经济护城河）
ROIC
-
WACC
9.5%
ROIC − WACC
-
基本面分析标准
通过（14）
- EPS shows upward trend
- EPS CAGR 10.64%
- P/FCF 12.11
- P/B Ratio 1.05
- Operating Margin 34.9%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- ROE 7.7%
- Revenue Growth 5Y 18.3%
- Analyst Consensus 77% Buy
- Earnings Quality (OCF/NI) 1.19
- Net Margin Trend 27.0% vs 26.5%
未通过（9）
- Price CAGR 1.25%
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Overvalued)
- Earnings Surprise avg -1.7%
- PEG Ratio 3.35
- Share Dilution 8.7%
- Piotroski F-Score 3/9
不可用（5）
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-评分
存在严重财务隐患
盈利质量
高质量：盈利有现金流支撑
股权稀释
正在发行新股，稀释所有权
机构持股
公司治理
管理团队
| 姓名 | 职位 | 年龄 |
|---|---|---|
| Mr. Jeffrey J. Tengel | President, CEO & Director | 62 |
| Mr. Mark J. Ruggiero CPA | Chief Financial Officer | 48 |
| Ms. Patricia M. Natale Esq. | Executive VP, General Counsel & Corporate Secretary | 59 |
| Mr. Lee C. Powlus | Executive VP & Chief Administrative Officer of Rockland Trust Company | 64 |
| Mr. James Rizzo | Executive VP & Chief Commercial Banking Officer of Rockland Trust Company | 62 |
| Mr. David Byron Smith C.F.A. | Executive VP & Chief Investment Officer | - |
| Ms. Maureen A. Gaffney | Senior VP, Controller & Principal Accounting Officer | 46 |
| Mr. Alastair Ironside | Executive VP & Chief Marketing Officer | - |
| Ms. Maria S. Harris | Executive VP & Chief Human Resource Officer of Rockland Trust Company | 54 |
| Mr. Timothy C. Lane | Executive VP & Chief Internal Auditor | - |
审计风险
4
董事会风险
1
薪酬风险
2
股东权利风险
6
第二部分 · 价格与买入时机
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损益历史
via SEC EDGAR
Latest News
Recent headlines for INDB, sourced from Markets Gazette.