Independent Bank Corp. funciona como la empresa matriz de Rockland Trust Company, proporcionando una amplia gama de productos y servicios de banca ...
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BPA est. $1.85 · Ingresos $262.61M · 5 analistas
BPA est. $1.93 · Ingresos $266.59M · 4 analistas
BPA est. $7.17 · Ingresos $1.03B · 5 analistas
BPA est. $1.92 · Ingresos $263.99M · 1 analistas
$2.46 por acción
$2.46 por acción
| Métrica | Último | InteranualYoY significa Year-over-Year (interanual). Compara el último valor anual con el valor anual anterior para mostrar la fortaleza de la tendencia a largo plazo. | TrimestralQoQ significa Quarter-over-Quarter (intertrimestral). Compara el último trimestre con el trimestre inmediatamente anterior para mostrar cambios de impulso a corto plazo. |
|---|---|---|---|
| IngresosEl dinero total que entró por la puerta principal al vender cosas, antes de pagar una sola factura. Piensa en esto como el gran total de cada compra con tarjeta de los clientes. (YoY compara el rendimiento de este año con el del año pasado, mientras que QoQ compara los tres meses actuales con los tres anteriores). | $1.2B | +19.8% | -0.3% |
| Beneficio netoEl resultado final absoluto. Si la empresa pagara a cada proveedor, empleado, banquero y recaudador de impuestos, este es el dinero real que queda en su bolsillo al final del día. | $205.1M | +6.8% | +2.4% |
| Margen brutoEl margen básico. Si venden unas zapatillas de 100 dólares, este porcentaje indica cuánto de ese precio es ganancia justo después de pagar el caucho y los cordones, pero antes de pagar el alquiler de la tienda o los anuncios de televisión. | +67.9% | +2.3% | -0.4% |
| Margen operativoLa puntuación de eficiencia del 'trabajo diario'. De cada dólar que gasta un cliente, esto muestra cuántos centavos mantiene la empresa después de fabricar el producto Y pagar todos los gastos generales corporativos (como salarios, marketing y mantener las luces encendidas). | +22.9% | -9.9% | +1.9% |
| Margen netoEl porcentaje final que se lleva a casa. Cuando se eliminan todos los costos concebibles, impuestos y pagos de intereses, este es el número exacto de centavos que la empresa realmente se queda de cada dólar en ventas. | +17.6% | -10.9% | +2.7% |
| Flujo de caja libreEl santo grial del efectivo corporativo. Es el dinero físico gastable que queda después de que el negocio paga sus operaciones diarias Y compra las actualizaciones grandes y costosas (como nuevas fábricas o servidores) que necesita para sobrevivir. Este es el dinero 'libre' que pueden usar para pagar dividendos o recomprar acciones. | $239.5M | +14.3% | -40.0% |
| Margen FCFLa tasa definitiva de conversión de efectivo. Muestra qué tan buena es la empresa para convertir ventas regulares directamente en efectivo frío, duro y gastable. Un porcentaje alto significa que el negocio es una auténtica máquina de imprimir dinero. | +20.5% | -4.6% | -39.8% |
| Deuda/PatrimonioEl indicador de riesgo financiero. Compara cuánto del imperio de la empresa se construyó con dinero prestado (préstamos) frente al dinero propio de los propietarios (accionistas). Un número alto significa que están muy apalancados y juegan un juego más arriesgado; un número bajo significa que juegan a lo seguro. | 25.3% | +7.9% | -8.9% |
| Ratio corrienteLa verificación de supervivencia de 12 meses. Simplemente compara el efectivo que tienen ahora mismo (más cosas que pueden convertirse rápidamente en efectivo) con las facturas inmediatas que absolutamente deben pagar este año. Una puntuación superior a 1 significa que tienen suficiente en la billetera para cubrir las próximas facturas sin entrar en pánico. | 0.55x | +2204.6% | -80.3% |
| Activos totalesEl tamaño absoluto del imperio de la empresa. Agrupa absolutamente todo lo valioso que poseen, desde el efectivo en la caja registradora y el inventario en el almacén, hasta las patentes de software en la bóveda y las fábricas en el suelo. | $24.9B | +28.6% | +0.8% |
| Métrica | Anual (real vs estimado) | Sorpresa anual | Trimestral (real vs estimado) | Sorpresa trimestral |
|---|---|---|---|---|
| EPS Surprise | 4.45 vs 5.54 | -19.7% | 1.70 vs 1.79 | -4.8% |
| Revenue Surprise | $1.2B vs $853.5M | +36.7% | $289.3M vs $258.4M | +11.9% |
| Fecha | Ejecutivo | Cargo | Valor | Lado | Acciones | Precio |
|---|---|---|---|---|---|---|
| Aug 28, 2026 | MISKELL EILEEN C | director | Common Stock | D | 842 | — |
| Aug 25, 2026 | Venables Thomas R | director | Common Stock | D | 3,750 | $83.00 |
| Aug 3, 2026 | Nadeau Gerard F | director | Common Stock | D | 5,307 | $84.69 |
| May 19, 2026 | O'DAY SUSAN PERRY | director | Common Stock | A | 842 | — |
| May 19, 2026 | MORTON JAMES O'SHANNA | director | Common Stock | A | 842 | — |
Operator: Hello, everyone. Thank you for joining us, and welcome to the Independent Bank Corp Second Quarter 2026 Earnings Call. Joining me on today's call is Jeff Tengel, CEO, and Mark Ruggiero, CFO. After today's prepared remarks, we will host a question and answer session. If you would like to ask a question, please press star one to raise your hand. To withdraw your question, press star one again. Before proceeding, please note that during this call, we will be making forward-looking statements. Actual results may differ materially from these statements due to a number of factors, including those described in our earnings release and other SEC filings. We undertake no obligation to publicly update any such statements. In addition, some of our discussion today may include references to certain non-GAAP financial measures. Operator: Information about these non-GAAP measures, including reconciliation to GAAP measures, may be found in our earnings release and other SEC filings. These SEC filings can be accessed via the investor relations section of our website. Finally, please note that this event is being recorded. I would now like to turn the conference over to Jeff Tengel, CEO. Please go ahead. Jeff Tengel: Thank you. Good morning, thanks for joining us today. I'm accompanied this morning by CFO and head of consumer lending, Mark Ruggiero. Before we discuss our quarterly results, I wanted to share an update on my health. We released an 8-K in February disclosing that I had been diagnosed with non-Hodgkin's lymphoma. I'm happy to report that I've finished my treatments and learned last Friday that I am cancer-free and in remission. On that good note, I'd like to turn to our quarterly results. While activity was slow early in the second quarter, momentum accelerated as the quarter progressed, resulting in solid deposit growth, strong C&I loan growth, continued improvement in the adjusted NIM, aggressive buyback activity, and excellent results in our wealth management business. These positives were offset by a smaller average balance sheet and lower loan accretion income. Jeff Tengel: Our deposit franchise continued to differentiate itself, producing over $300 million of non-time deposits, representing 7% annualized growth while maintaining a stable cost of deposits of 136. These results were achieved in an environment of heightened competition and expectations that the Fed will keep rates higher for longer. On the lending front, we experienced robust growth in the C&I and home equity portfolios, offset by heavy loan payoffs within the CRE book. With respect to C&I, excluding the impact of the $37 million decrease in our dealer floor plan business, which we have now largely exited, our C&I loans rose by $116 million, a healthy 10% on an annualized basis. This growth was broad-based across all of our market segments. Jeff Tengel: Investment CRE and construction loans conversely declined to $176 million during the quarter, primarily reflecting …
| Nombre | Cargo | Remuneración | Género | Año de nacimiento | Estado |
|---|---|---|---|---|---|
Jeffrey J. Tengel | President, Chief Executive Officer & Director | USD 2,512,644 | Male | 1963 | Active |
Mark J. Ruggiero | Chief Financial Officer | USD 1,274,985 | Male | 1977 | Active |
Lee C. Powlus | Executive VP & Chief Administrative Officer of Rockland Trust Company | USD 877,039 | Male | 1961 | Active |
Patricia Natale | Executive Vice President, General Counsel & Corporate Secretary | USD 850,351 | Female | 1966 | Active |
James Rizzo | Executive Vice President & Chief Commercial Banking Officer of Rockland Trust Company | USD 841,581 | Male | 1963 | Active |
Maria S. Harris | Executive Vice President & Chief Human Resource Officer of Rockland Trust Company | USD 611,876 | Female | 1971 | Active |
Maureen A. Gaffney | Senior Vice President, Controller & Principal Accounting Officer | — | Female | 1979 | Active |
Timothy C. Lane | Executive VP & Chief Internal Auditor | — | Male | — | Active |
Alastair Ironside | Executive Vice President & Chief Marketing Officer | — | Male | — | Active |
David Byron Smith | Executive Vice President & Chief Investment Officer | — | Male | — | Active |
BlackRock Inc. purchased a new stake in Independent Bank Corp. (NASDAQ: INDB) in the second quarter, according to its most recent filing with the Securities and Exchange Commission. The firm purchased 6,979,611 shares of the bank's stock, valued at approximately $584,333,000. BlackRock Inc. owned about 14.44% of Independent Bank as of its most
First Trust Advisors LP lifted its holdings in Independent Bank Corp. (NASDAQ: INDB) by 1.8% during the first quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The fund owned 377,302 shares of the bank's stock after buying an additional 6,840 shares during the period.
Independent Bank Corp. (INDB) Q2 2026 Earnings Call Transcript
Independent Bank NASDAQ: INDB reported second-quarter 2026 net income of $81.8 million, or $1.70 per diluted share, as executives said stronger deposit momentum, C&I lending growth, margin expansion and share repurchases supported profitability despite pressure from commercial real estate payoffs.
The headline numbers for Independent Bank Corp. (INDB) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
