Independent Bank (IBCP Quick QuoteIBCP - Free Report) reported $58.31 million in revenue for the quarter ended December 2025, representing a year-over-year decline of 5.9%. EPS of $0.89 for the same period compares to $0.87 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $57.7 million, representing a surprise of +1.06%. The company delivered an EPS surprise of +7.23%, with the consensus EPS estimate being $0.83.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Independent Bank performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net Interest Margin (GAAP): 3.6% compared to the 3.6% average estimate based on two analysts.
• Efficiency Ratio: 61.2% compared to the 60.1% average estimate based on two analysts.
• Total non-interest income: $11.96 million versus the two-analyst average estimate of $11.81 million.
• Net Interest Income: $46.35 million versus $46.46 million estimated by two analysts on average.

View all Key Company Metrics for Independent Bank here>>>

Shares of Independent Bank have returned +4.5% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.