COMP <GO>
IBCP vs RCBC // EV/EBITDA & P/E VALUATION
Independent Bank Corporation (NASDAQ) VS. River City Bank (NASDAQ) • 15-METRIC TALLY: IBCP 1
— RCBC 2
■ METRIC PARITY
LAST: $37.10 (+0.49%) • MKT CAP: $819.2M
valuation
—
LAST: $58.75 (-0.30%) • MKT CAP: $834.2M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (IBCP VS. RCBC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | IBCP | RCBC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 13.60% | — | — | TIE | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.57% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 0.30% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.64% | 0.00% | +2.64 | IBCP | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | — | — | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 53.3 | 66.9 | -13.61 | RCBC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.2x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $819.2M | $834.2M | -$15.0M | RCBC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | IBCP REV | RCBC REV | IBCP GROSS % | RCBC GROSS % | IBCP FCF | RCBC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $32.1M | — | — | — | $70.2M | — |
| FY 2024 | $32.0M | — | — | — | $55.2M | — |
| FY 2023 | $32.9M | — | — | — | $75.6M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
IBCP // BETA —
RCBC // BETA —