IBCP vs STEL
IBCP: A regional bank holding company providing comprehensive commercial and consumer financial services primarily serving the Michigan market. STEL: A Texas-based regional bank operating through Stellar Bank, offering commercial and consumer banking services with significant exposure to commercial real estate lending.
Side-by-side fundamentals
| Metric | IBCP | STEL | Edge |
|---|---|---|---|
| Price as of 2026-07-27 close | $37.58 | $39.32 | |
| Market cap as of 2026-07-30 | $799M | $2.0B | |
| P/E as of 2026-07-30 | 11.14 | 19.04 | IBCP lower |
| PEG as of 2026-07-30 | 0.93 | n/a | |
| Net margin as of 2026-07-30 | +28.8% | +22.2% | IBCP higher |
| Operating margin as of 2026-07-30 | +35.5% | +27.4% | IBCP higher |
| ROE as of 2026-07-30 | +14.1% | +6.4% | IBCP higher |
| ROA as of 2026-07-30 | +1.3% | +1.0% | IBCP higher |
| Debt / equity as of 2026-07-30 | 0.08 | 0.11 | IBCP lower |
| Revenue growth (YoY) as of 2026-07-30 | +46.1% | +155.8% | STEL higher |
| Revenue CAGR (3y) SEC XBRL | +0.5% | n/a | |
| Dividend yield as of 2026-07-30 | +2.9% | +1.5% | IBCP higher |
| Dividend streak (yrs) SEC XBRL | 5 | 5 | Tie |
| Beta as of 2026-07-30 | 0.71 | -0.22 | |
| 1-year return as of 2026-07-27 close | +15.8% | -29.1% | IBCP higher |
Fundamentals: market data, as of 2026-07-30. 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.