Company

INDEPENDENT BANK CORP /MI/ (IBCP)

Standardized SEC financial data for INDEPENDENT BANK CORP /MI/ — income statement, balance sheet, cash flow and 40+ ratios, available as a clean JSON API. CIK 0000039311 · NASDAQ · State Commercial Banks.

Operating margin

455.9%

Net margin

213.7%

Revenue growth (YoY)

0.3%

Return on equity

13.6%

Free cash flow

$70.2M

EPS (diluted)

$3.27

Ratios for fiscal year 2025, standardized from SEC filings.

Income statement

USD	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$24.0M	$29.1M	$31.6M	$32.9M	$32.0M	$32.1M
Operating income	$69.5M	$77.3M	$83.1M	$121.3M	$149.9M	$146.2M
Interest expense	$16.9M	$8.4M	$19.4M	$83.3M

Balance sheet

USD	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash & equivalents	$118.7M	$109.5M	$74.4M	$169.8M	$119.9M	$138.4M
Property, plant & equipment	$36.1M	$36.4M	$35.9M	$35.5M	$37.5M	$39.0M
Goodwill	$28.3M	$28.3M	$28.3M	$28.3M

Cash flow

USD	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Operating cash flow	$58.7M	$110.2M	$94.6M	$75.6M	$63.2M	$76.7M
Capital expenditures	$4.4M	$5.8M	$5.7M	$6.0M	$8.0M	$6.5M
Free cash flow	$54.3M	$104.3M	$89.0M	$69.6M

Get IBCP data via API

# JSON
curl https://sec-financial-api-production.up.railway.app/v1/company/IBCP/financials \
  -H "X-API-Key: YOUR_KEY"

# CSV export (income / balance / cash-flow)
curl "https://sec-financial-api-production.up.railway.app/v1/company/IBCP/income-statement?format=csv" \
  -H "X-API-Key: YOUR_KEY"

Get a free API key Use with Claude (MCP) →View IBCP filings on SEC EDGAR →