IBCP vs SPFI
IBCP: A Michigan-based bank holding company providing commercial, mortgage, and installment lending alongside deposit products to regional customers. SPFI: An independent West Texas community bank with $4.5 billion in assets serving small and mid-sized businesses across Texas and New Mexico markets.
Side-by-side fundamentals
| Metric | IBCP | SPFI | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $36.01 | $43.84 | |
| Market cap as of 2026-07-23 | $740M | $833M | |
| P/E as of 2026-07-23 | 10.60 | 12.80 | IBCP lower |
| PEG as of 2026-07-23 | 1.69 | 0.82 | SPFI lower |
| Net margin as of 2026-07-23 | +28.8% | +29.1% | SPFI higher |
| Operating margin as of 2026-07-23 | +35.5% | +36.8% | SPFI higher |
| ROE as of 2026-07-23 | +14.1% | +12.4% | IBCP higher |
| ROA as of 2026-07-23 | +1.3% | +1.4% | SPFI higher |
| Debt / equity as of 2026-07-23 | 0.08 | 0.10 | IBCP lower |
| Revenue growth (YoY) as of 2026-07-23 | +46.1% | +34.4% | IBCP higher |
| Revenue CAGR (3y) SEC XBRL | +0.5% | n/a | |
| Dividend yield as of 2026-07-23 | +3.1% | +1.6% | IBCP higher |
| Dividend streak (yrs) SEC XBRL | 5 | 5 | Tie |
| Beta as of 2026-07-23 | 0.72 | 0.48 | |
| 1-year return as of 2026-07-22 close | +6.8% | +6.5% | 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.