IBCP vs RM
IBCP: A regional bank holding company providing comprehensive commercial and consumer financial services primarily serving the Michigan market. RM: Regional Management is a non-prime consumer finance lender originating and servicing secured retail installment contracts, funded through asset-backed securitizations.
Side-by-side fundamentals
| Metric | IBCP | RM | Edge |
|---|---|---|---|
| Price as of 2026-07-23 close | $36.65 | $41.11 | |
| Market cap as of 2026-07-27 | $776M | $384M | |
| P/E as of 2026-07-27 | 10.82 | 7.86 | RM lower |
| PEG as of 2026-07-27 | 0.89 | 0.17 | RM lower |
| Net margin as of 2026-07-27 | +28.8% | +7.4% | IBCP higher |
| Gross margin as of 2026-07-26 | n/a | +100.0% | |
| Operating margin as of 2026-07-27 | +35.5% | +22.9% | IBCP higher |
| ROE as of 2026-07-27 | +14.1% | +13.2% | IBCP higher |
| ROA as of 2026-07-27 | +1.3% | +2.4% | RM higher |
| Debt / equity as of 2026-07-27 | 0.08 | 4.30 | IBCP lower |
| Revenue growth (YoY) as of 2026-07-27 | +46.1% | +10.5% | IBCP higher |
| Revenue CAGR (3y) SEC XBRL | +0.5% | +8.4% | RM higher |
| Dividend yield as of 2026-07-27 | +3.0% | +2.9% | IBCP higher |
| Dividend streak (yrs) SEC XBRL | 5 | 5 | Tie |
| Beta as of 2026-07-27 | 0.71 | 0.97 | |
| 1-year return as of 2026-07-23 close | +14.7% | +29.8% | RM higher |
Fundamentals: Finnhub, as of 2026-07-27. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-23.
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.