FFIN vs IBCP
FFIN: Texas-based regional bank generating strong net margins through traditional lending across commercial real estate, agriculture, and energy sectors while managing significant interest rate and credit concentration risks. IBCP: A Michigan-based bank holding company providing commercial, mortgage, and installment lending alongside deposit products to regional customers.
Side-by-side fundamentals
| Metric | FFIN | IBCP | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $34.68 | $36.01 | |
| Market cap as of 2026-07-23 | $5.0B | $740M | |
| P/E as of 2026-07-23 | 17.97 | 10.60 | IBCP lower |
| PEG as of 2026-07-23 | 1.99 | 1.69 | IBCP lower |
| Net margin as of 2026-07-23 | +41.9% | +28.8% | FFIN higher |
| Operating margin as of 2026-07-23 | +51.1% | +35.5% | FFIN higher |
| ROE as of 2026-07-23 | +14.3% | +14.1% | FFIN higher |
| ROA as of 2026-07-23 | +1.8% | +1.3% | FFIN higher |
| Debt / equity as of 2026-07-23 | 0.04 | 0.08 | FFIN lower |
| Revenue growth (YoY) as of 2026-07-23 | +24.4% | +46.1% | IBCP higher |
| Revenue CAGR (3y) SEC XBRL | n/a | +0.5% | |
| Dividend yield as of 2026-07-23 | +2.5% | +3.1% | IBCP higher |
| Dividend streak (yrs) SEC XBRL | 5 | 5 | Tie |
| Beta as of 2026-07-23 | 0.84 | 0.72 | |
| 1-year return as of 2026-07-22 close | -7.3% | +6.8% | IBCP higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.