COMP <GO>
IBCP vs BRK-B // DIVIDEND YIELD & FCF PAYOUT SAFETY
Independent Bank Corporation (NASDAQ) VS. Berkshire Hathaway Inc. (NYSE) • 15-METRIC TALLY: IBCP 6
— BRK-B 3
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: IBCP
LAST: $37.10 (+0.49%) • MKT CAP: $819.2M
dividend-safety
2.64%
LAST: $541.96 (+0.30%) • MKT CAP: $1.20T
dividend-safety
0.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (IBCP VS. BRK-B)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | IBCP | BRK-B | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 13.60% | 11.47% | +2.13 | IBCP | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 9.7x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.57% | 2.09% | +6.48 | IBCP | /fcf-yield <GO> |
| Operating Margin | — | 27.80% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 22.30% | +45.70 | IBCP | /net-margins <GO> |
| Revenue Growth (YoY) | 0.30% | 3.93% | -3.63 | BRK-B | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 2.64% | 0.00% | +2.64 | IBCP | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 2.85 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 4/9 | +1.00 | IBCP | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 3.55% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 58.6 | 67.7 | -9.10 | BRK-B | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.61 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.2x | 24.3x | -13.14 | IBCP | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $819.2M | $1.20T | -$1.19T | BRK-B | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | IBCP REV | BRK-B REV | IBCP GROSS % | BRK-B GROSS % | IBCP FCF | BRK-B FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $32.1M | $371.44B | — | — | $70.2M | $25.04B |
| FY 2024 | $32.0M | $371.43B | — | — | $55.2M | $11.62B |
| FY 2023 | $32.9M | $364.48B | — | — | $75.6M | $29.79B |
| FY 2022 | — | $302.02B | — | — | — | $21.89B |
| FY 2021 | — | $276.19B | — | — | — | $26.15B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
IBCP // BETA —
BRK-B // BETA 0.61