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Upturn AI SWOT - About
INDB 
Independent Bank (INDB)
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Upturn Advisory Summary
11/28/2025: INDB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $82.75
1 Year Target Price $82.75
| 2 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 3.6% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.58B USD | Price to earnings Ratio 17.75 | 1Y Target Price 82.75 |
Price to earnings Ratio 17.75 | 1Y Target Price 82.75 | ||
Volume (30-day avg) 4 | Beta 0.83 | 52 Weeks Range 51.24 - 74.33 | Updated Date 11/30/2025 |
52 Weeks Range 51.24 - 74.33 | Updated Date 11/30/2025 | ||
Dividends yield (FY) 3.21% | Basic EPS (TTM) 4.06 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.25% | Operating Margin (TTM) 38.34% |
Management Effectiveness
Return on Assets (TTM) 0.81% | Return on Equity (TTM) 5.51% |
Valuation
Trailing PE 17.75 | Forward PE 9.75 | Enterprise Value 3463009024 | Price to Sales(TTM) 5.02 |
Enterprise Value 3463009024 | Price to Sales(TTM) 5.02 | ||
Enterprise Value to Revenue 5.62 | Enterprise Value to EBITDA - | Shares Outstanding 49577265 | Shares Floating 48770643 |
Shares Outstanding 49577265 | Shares Floating 48770643 | ||
Percent Insiders 0.78 | Percent Institutions 85.87 |
Upturn AI SWOT
Independent Bank
Company Overview
History and Background
Independent Bank Corp. (IBCP) was founded in 1904 in Rockland, Massachusetts, as Rockland Trust Company. It has grown through organic expansion and acquisitions, becoming a leading community bank in the region.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate loans, business loans, and treasury management services.
- Retail Banking: Offers personal banking services such as checking and savings accounts, mortgages, personal loans, and investment services to individuals and families.
- Wealth Management: Provides investment advisory, trust, and estate planning services to high-net-worth individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is typically a hierarchical model common in banking, with regional and functional divisions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data unavailable, but competes with larger national banks and other regional players. Competitors include Bank of America, Citizens Financial Group, and smaller local banks.
- Number of users: Unknown
- Revenue: Unknown
- Mortgage Loans: Offers residential mortgage loans to individuals. Market share data unavailable, competes with national mortgage lenders and other local banks. Competitors include Rocket Mortgage, Wells Fargo, and local credit unions.
- Number of users: Unknown
- Revenue: Unknown
- Number of users: Unknown
- Revenue: Unknown
- Wealth Management Services: Offers personalized financial advice and investment management. Market share data unavailable; competes with large brokerage firms and independent advisors. Competitors include Fidelity, Charles Schwab, and local investment firms.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation within the industry is also a significant trend.
Positioning
Independent Bank is positioned as a community-focused bank offering personalized service and local expertise. Its competitive advantages include strong customer relationships and a deep understanding of the local market.
Total Addressable Market (TAM)
The TAM for community banking is substantial, consisting of individuals and businesses seeking personalized financial services. Independent Bank is positioned to capture a portion of this TAM through its local presence and customer-focused approach. The community banking market is worth hundreds of billions annually.
Upturn SWOT Analysis
Strengths
- Strong Customer Relationships
- Local Market Expertise
- Sound Financial Performance
- Experienced Management Team
- Strong Capital Position
Weaknesses
- Limited Geographic Reach Compared to Larger Banks
- Lower Brand Recognition Outside of Core Markets
- Potential Exposure to Local Economic Downturns
- Dependence on Traditional Banking Products
- Smaller Marketing Budget Compared to National Banks
Opportunities
- Expansion into New Geographic Markets
- Offering New Fintech-Driven Products
- Acquisition of Smaller Community Banks
- Increased Focus on Wealth Management Services
- Leveraging Technology to Improve Customer Experience
Threats
- Increased Competition from Fintech Companies
- Rising Interest Rates
- Economic Downturns
- Regulatory Changes
- Cybersecurity Threats
Competitors and Market Share
Key Competitors
- BAC
- C
- WFC
- USB
- KEY
Competitive Landscape
Independent Bank faces competition from larger national banks and smaller community banks. Its advantages include strong customer relationships and local market expertise, while its disadvantages include limited geographic reach and lower brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Independent Bank has experienced moderate growth in recent years, driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates are not reliably available.
Recent Initiatives: Recent initiatives may include expanding into new markets, launching new digital banking products, and improving customer service.
Summary
Independent Bank is a community-focused bank with strong local ties. Its strengths lie in its customer relationships and market knowledge. However, it faces competition from larger banks and fintech companies and needs to continue investing in technology and expanding its reach. The company's future depends on its ability to adapt to the changing banking landscape and maintain its competitive edge in the local market.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Industry Reports (e.g., FDIC)
- Financial News Outlets
- Analyst Estimates (where available)
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is often estimates and may not be precise. Financial data is subject to change. Analyst estimates are speculative and not guaranteed.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Independent Bank
Exchange NASDAQ | Headquaters Rockland, MA, United States | ||
IPO Launch date 1990-03-27 | President, CEO & Director Mr. Jeffrey J. Tengel | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1837 | Website https://www.rocklandtrust.com |
Full time employees 1837 | Website https://www.rocklandtrust.com | ||
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. The company provides interest checking, money market, and savings accounts, as well as demand deposits and time certificates of deposit. It 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, the company 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; mobile, online, and telephone banking; estate settlement, financial planning, tax services, and other services; automated teller machines; 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, it 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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