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IBCP vs. NBN
Performance
Return for Risk
Dividends
Drawdowns
Volatility
Financials

Performance

IBCP vs. NBN - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Independent Bank Corporation (IBCP) and Northeast Bank (NBN). The values are adjusted to include any dividend payments, if applicable.

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IBCP vs. NBN - Yearly Performance Comparison


2026 (YTD)202520242023202220212020201920182017
IBCP
Independent Bank Corporation
4.06%-3.48%38.48%14.02%4.35%34.30%-14.28%11.37%-3.50%4.99%
NBN
Northeast Bank
10.70%13.35%66.31%31.21%17.95%58.86%2.63%31.69%-27.59%77.10%

Fundamentals

Market Cap

IBCP:

$700.31M

NBN:

$966.91M

EPS

IBCP:

$3.28

NBN:

$10.36

PE Ratio

IBCP:

10.24

NBN:

11.11

PEG Ratio

IBCP:

1.69

NBN:

1.24

PS Ratio

IBCP:

3.05

NBN:

2.73

PB Ratio

IBCP:

1.39

NBN:

1.80

Total Revenue (TTM)

IBCP:

$230.45M

NBN:

$355.21M

Gross Profit (TTM)

IBCP:

$157.80M

NBN:

$156.58M

EBITDA (TTM)

IBCP:

$68.50M

NBN:

$131.15M

Returns By Period

In the year-to-date period, IBCP achieves a 4.06% return, which is significantly lower than NBN's 10.70% return. Over the past 10 years, IBCP has underperformed NBN with an annualized return of 12.21%, while NBN has yielded a comparatively higher 27.18% annualized return.


IBCP

1D
0.87%
1M
-5.01%
YTD
4.06%
6M
11.50%
1Y
12.56%
3Y*
28.32%
5Y*
11.32%
10Y*
12.21%

NBN

1D
2.38%
1M
1.85%
YTD
10.70%
6M
16.82%
1Y
26.62%
3Y*
50.72%
5Y*
33.61%
10Y*
27.18%
*Multi-year figures are annualized to reflect compound growth (CAGR)

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Independent Bank Corporation

Northeast Bank

Return for Risk

IBCP vs. NBN — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

IBCP
IBCP Risk / Return Rank: 5656
Overall Rank
IBCP Sharpe Ratio Rank: 5858
Sharpe Ratio Rank
IBCP Sortino Ratio Rank: 5151
Sortino Ratio Rank
IBCP Omega Ratio Rank: 4949
Omega Ratio Rank
IBCP Calmar Ratio Rank: 6161
Calmar Ratio Rank
IBCP Martin Ratio Rank: 5959
Martin Ratio Rank

NBN
NBN Risk / Return Rank: 6161
Overall Rank
NBN Sharpe Ratio Rank: 6666
Sharpe Ratio Rank
NBN Sortino Ratio Rank: 5959
Sortino Ratio Rank
NBN Omega Ratio Rank: 5858
Omega Ratio Rank
NBN Calmar Ratio Rank: 6262
Calmar Ratio Rank
NBN Martin Ratio Rank: 6262
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

IBCP vs. NBN - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Independent Bank Corporation (IBCP) and Northeast Bank (NBN). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.


IBCPNBNDifference

Sharpe ratio

Return per unit of total volatility

0.48

0.72

-0.24

Sortino ratio

Return per unit of downside risk

0.87

1.19

-0.32

Omega ratio

Gain probability vs. loss probability

1.10

1.15

-0.05

Calmar ratio

Return relative to maximum drawdown

0.95

0.93

+0.01

Martin ratio

Return relative to average drawdown

1.95

2.28

-0.33

IBCP vs. NBN - Sharpe Ratio Comparison

The current IBCP Sharpe Ratio is 0.48, which is lower than the NBN Sharpe Ratio of 0.72. The chart below compares the historical Sharpe Ratios of IBCP and NBN, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.


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Sharpe Ratios by Period


IBCPNBNDifference

Sharpe Ratio (1Y)

Calculated over the trailing 1-year period

0.48

0.72

-0.24

Sharpe Ratio (5Y)

Calculated over the trailing 5-year period

0.38

1.03

-0.64

Sharpe Ratio (10Y)

Calculated over the trailing 10-year period

0.35

0.67

-0.32

Sharpe Ratio (All Time)

Calculated using the full available price history

0.02

0.26

-0.24

Correlation

The correlation between IBCP and NBN is 0.20, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.


Dividends

IBCP vs. NBN - Dividend Comparison

IBCP's dividend yield for the trailing twelve months is around 3.16%, more than NBN's 0.03% yield.


TTM20252024202320222021202020192018201720162015
IBCP
Independent Bank Corporation
3.16%3.20%2.76%3.54%3.68%3.52%4.33%3.18%2.85%1.88%1.57%1.71%
NBN
Northeast Bank
0.03%0.04%0.04%0.07%0.10%0.11%0.18%0.18%0.24%0.17%0.31%0.38%

Drawdowns

IBCP vs. NBN - Drawdown Comparison

The maximum IBCP drawdown since its inception was -97.75%, which is greater than NBN's maximum drawdown of -70.51%. Use the drawdown chart below to compare losses from any high point for IBCP and NBN.


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Drawdown Indicators


IBCPNBNDifference

Max Drawdown

Largest peak-to-trough decline

-97.75%

-70.51%

-27.24%

Max Drawdown (1Y)

Largest decline over 1 year

-13.50%

-27.57%

+14.07%

Max Drawdown (5Y)

Largest decline over 5 years

-36.45%

-29.30%

-7.15%

Max Drawdown (10Y)

Largest decline over 10 years

-61.75%

-70.25%

+8.50%

Current Drawdown

Current decline from peak

-10.28%

-8.21%

-2.07%

Average Drawdown

Average peak-to-trough decline

-34.42%

-23.83%

-10.59%

Ulcer Index

Depth and duration of drawdowns from previous peaks

6.56%

11.28%

-4.72%

Volatility

IBCP vs. NBN - Volatility Comparison

Independent Bank Corporation (IBCP) and Northeast Bank (NBN) have volatilities of 6.13% and 6.39%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.


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Volatility by Period


IBCPNBNDifference

Volatility (1M)

Calculated over the trailing 1-month period

6.13%

6.39%

-0.26%

Volatility (6M)

Calculated over the trailing 6-month period

18.00%

26.21%

-8.21%

Volatility (1Y)

Calculated over the trailing 1-year period

26.10%

37.10%

-11.00%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

29.63%

32.92%

-3.29%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

34.57%

40.67%

-6.10%

Financials

IBCP vs. NBN - Financials Comparison

This section allows you to compare key financial metrics between Independent Bank Corporation and Northeast Bank. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.


Quarterly
Annual

Total Revenue: Total amount of money received from sales and other business activities


0.0020.00M40.00M60.00M80.00M100.00MAprilJulyOctober2022AprilJulyOctober2023AprilJulyOctober2024AprilJulyOctober2025AprilJulyOctober0
87.03M
(IBCP) Total Revenue
(NBN) Total Revenue
Values in USD except per share items