IBCP vs SFST
IBCP: A regional bank holding company providing comprehensive commercial and consumer financial services primarily serving the Michigan market. SFST: A Southeast-focused commercial banking group utilizing a relationship-centric 'ClientFIRST' model to provide commercial, consumer, and mortgage banking services.
Side-by-side fundamentals
| Metric | IBCP | SFST | Edge |
|---|---|---|---|
| Price as of 2026-07-27 close | $37.58 | $61.59 | |
| Market cap as of 2026-08-02 | $787M | $582M | |
| P/E as of 2026-08-02 | 10.97 | 14.90 | IBCP lower |
| PEG as of 2026-08-02 | 0.92 | 0.18 | SFST lower |
| Net margin as of 2026-08-02 | +28.8% | +16.0% | IBCP higher |
| Operating margin as of 2026-08-02 | +35.5% | n/a | |
| ROE as of 2026-08-02 | +14.1% | +10.2% | IBCP higher |
| ROA as of 2026-08-02 | +1.3% | +0.9% | IBCP higher |
| Debt / equity as of 2026-08-02 | 0.08 | 0.03 | SFST lower |
| Revenue growth (YoY) as of 2026-08-02 | +46.1% | +53.1% | SFST higher |
| Revenue CAGR (3y) SEC XBRL | +0.5% | n/a | |
| Dividend yield as of 2026-08-02 | +2.9% | n/a | |
| Dividend streak (yrs) SEC XBRL | 5 | n/a | |
| Beta as of 2026-08-02 | 0.71 | 0.68 | |
| 1-year return as of 2026-07-27 close | +15.8% | +38.8% | SFST higher |
Fundamentals: market data, as of 2026-08-02. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-27.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.