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IBCP DRIP Calculator & Dividend Yield 2026
2.97% YieldFinancial ServicesIndependent Bank Corporation · NASDAQ
Price: $36.98 · Annual div: $1.10/share · Frequency: quarterly · Payout ratio: 34% · Ex-div: 2026-11-03
Calculator settings
Portfolio growth: DRIP vs No DRIP
Annual dividend income growth
💡 What-if scenarios
Click to apply scenario to the calculator
🎯 When IBCP pays your bills
Year your monthly dividend income covers each expense (based on current settings)
IBCP Dividend History — Last 80 Payments
| Ex-Dividend Date | Payment Date | Amount / Share | TTM Yield | Stock Price |
|---|---|---|---|---|
| 2026-11-03Latest | 2026-11-13 | $0.2800 | — | — |
| 2026-08-04 | 2026-08-14 | $0.2800 | 3.53% | $38.48 |
| 2026-05-04 | 2026-05-14 | $0.2800 | 3.99% | $33.61 |
| 2026-02-03 | 2026-02-13 | $0.2800 | 3.63% | $36.34 |
| 2025-11-04 | 2025-11-14 | $0.2600 | 4.20% | $30.48 |
| 2025-08-05 | 2025-08-15 | $0.2600 | 3.39% | $30.09 |
| 2025-05-05 | 2025-05-15 | $0.2600 | 3.26% | $30.67 |
| 2025-02-04 | 2025-02-14 | $0.2600 | 2.75% | $35.64 |
| 2024-11-05 | 2024-11-15 | $0.2400 | 2.92% | $32.90 |
| 2024-08-05 | 2024-08-15 | $0.2400 | 2.84% | $33.45 |
| 2024-05-02 | 2024-05-13 | $0.2400 | 4.67% | $25.04 |
| 2024-02-02 | 2024-02-15 | $0.2400 | 4.61% | $25.18 |
| 2023-11-02 | 2023-11-13 | $0.2300 | 5.66% | $20.13 |
| 2023-08-03 | 2023-08-14 | $0.2300 | 5.47% | $20.65 |
| 2023-05-04 | 2023-05-15 | $0.2300 | 5.18% | $17.39 |
| 2023-02-15 | 2023-02-24 | $0.2300 | 3.98% | $22.37 |
| 2022-11-03 | 2022-11-14 | $0.2200 | 4.70% | $23.17 |
| 2022-08-04 | 2022-08-16 | $0.2200 | 5.13% | $21.07 |
| 2022-05-04 | 2022-05-16 | $0.2200 | 4.30% | $19.99 |
| 2022-02-03 | 2022-02-15 | $0.2200 | 4.35% | $24.37 |
| 2021-11-04 | 2021-11-15 | $0.2100 | 3.63% | $23.15 |
| 2021-08-05 | 2021-08-16 | $0.2100 | 4.01% | $20.69 |
| 2021-05-04 | 2021-05-14 | $0.2100 | 3.42% | $24.01 |
| 2021-02-04 | 2021-02-16 | $0.2100 | 4.23% | $19.15 |
| 2020-11-04 | 2020-11-16 | $0.2000 | — | — |
| 2020-08-03 | 2020-08-14 | $0.2000 | — | — |
| 2020-05-04 | 2020-05-15 | $0.2000 | — | — |
| 2020-02-04 | 2020-02-14 | $0.2000 | — | — |
| 2019-11-05 | 2019-11-15 | $0.1800 | — | — |
| 2019-08-05 | 2019-08-15 | $0.1800 | — | — |
| 2019-05-03 | 2019-05-15 | $0.1800 | — | — |
| 2019-02-04 | 2019-02-15 | $0.1800 | — | — |
| 2018-11-02 | 2018-11-15 | $0.1500 | — | — |
| 2018-08-03 | 2018-08-15 | $0.1500 | — | — |
| 2018-05-04 | 2018-05-15 | $0.1500 | — | — |
| 2018-02-06 | 2018-02-15 | $0.1500 | — | — |
| 2017-11-03 | 2017-11-15 | $0.1200 | — | — |
| 2017-08-03 | 2017-08-15 | $0.1000 | — | — |
| 2017-05-04 | 2017-05-15 | $0.1000 | — | — |
| 2017-02-06 | 2017-02-15 | $0.1000 | — | — |
| 2016-11-03 | 2016-11-15 | $0.1000 | — | — |
| 2016-08-04 | 2016-08-15 | $0.0800 | — | — |
| 2016-05-04 | 2016-05-16 | $0.0800 | — | — |
| 2016-02-03 | 2016-02-16 | $0.0800 | — | — |
| 2015-11-05 | 2015-11-16 | $0.0800 | — | — |
| 2015-08-05 | 2015-08-17 | $0.0600 | — | — |
| 2015-05-01 | 2015-05-15 | $0.0600 | — | — |
| 2015-02-04 | 2015-02-17 | $0.0600 | — | — |
| 2014-11-05 | 2014-11-17 | $0.0600 | — | — |
| 2014-08-01 | 2014-08-15 | $0.0600 | — | — |
| 2014-04-28 | 2014-05-15 | $0.0600 | — | — |
| 2009-10-01 | 2009-10-30 | $0.1000 | — | — |
| 2009-07-01 | 2009-07-31 | $0.1000 | — | — |
| 2009-04-02 | 2009-04-30 | $0.1000 | — | — |
| 2008-12-31 | 2009-01-30 | $0.1000 | — | — |
| 2008-10-02 | 2008-10-31 | $0.1000 | — | — |
| 2008-07-02 | 2008-07-31 | $0.1000 | — | — |
| 2008-04-02 | 2008-04-30 | $1.1000 | — | — |
| 2008-01-02 | 2008-01-31 | $2.1000 | — | — |
| 2007-10-03 | 2007-10-31 | $2.1000 | — | — |
| 2007-07-02 | 2007-07-31 | $2.1000 | — | — |
| 2007-04-03 | 2007-04-30 | $2.1000 | — | — |
| 2007-01-03 | 2007-01-31 | $2.0000 | — | — |
| 2006-10-03 | 2006-10-31 | $1.9000 | — | — |
| 2006-06-30 | 2006-07-31 | $1.9048 | — | — |
| 2006-04-03 | 2006-04-28 | $1.9048 | — | — |
| 2006-01-03 | 2006-01-31 | $1.8095 | — | — |
| 2005-10-03 | 2005-10-31 | $1.8095 | — | — |
| 2005-06-30 | 2005-07-29 | $1.7234 | — | — |
| 2005-04-01 | 2005-04-29 | $1.7234 | — | — |
| 2005-01-03 | 2005-01-31 | $1.5419 | — | — |
| 2004-10-01 | 2004-10-29 | $1.5419 | — | — |
| 2004-07-01 | 2004-07-30 | $1.4512 | — | — |
| 2004-04-01 | 2004-04-30 | $0.1600 | — | — |
| 2003-12-31 | 2004-01-30 | $1.4512 | — | — |
| 2003-10-02 | 2003-10-31 | $1.4512 | — | — |
| 2003-07-01 | 2003-07-31 | $1.3193 | — | — |
| 2003-04-02 | 2003-04-30 | $1.1544 | — | — |
| 2003-01-02 | 2003-01-31 | $1.1544 | — | — |
| 2002-10-02 | 2002-10-31 | $0.9895 | — | — |
About Independent Bank Corporation (IBCP) — Dividend Analysis 2026
As the holding company for Independent Bank, Independent Bank Corporation provides diverse banking services to both individual consumers and businesses. Its comprehensive suite of offerings includes checking and savings accounts, commercial lending, direct and indirect consumer financing, and mortgage solutions, along with safe deposit boxes. Customers also benefit from accessible automatic teller machines, internet banking, and mobile banking capabilities. The company further diversifies its portfolio with title insurance, insurance brokerage, and investment services. Headquartered in Grand Rapids, Michigan, and founded in 1864, Independent Bank Corporation reaches its clientele through roughly 59 branches, two drive-through facilities, and seven loan production offices across Michigan, in addition to two loan production offices in Ohio.
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Forward dividend yield from the latest data · open any DRIP calculator
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🌍 IBCP Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold IBCP.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 2.97% | 0.17% | $297 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.52% | -0.28% | $252 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.38% | -0.42% | $238 / yr |
| 🇬🇧 UK ISA | 0% | 2.97% | 0.17% | $297 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.71% | -0.09% | $271 / yr |
| 🇨🇦 TFSA | 0% | 2.97% | 0.17% | $297 / yr |
| 🇨🇦 CA Taxable | 25% | 2.23% | -0.57% | $223 / yr |
| 🇦🇺 Super (pension) | 15% | 2.52% | -0.28% | $252 / yr |
| 🇦🇺 AU Taxable | 30% | 2.08% | -0.72% | $208 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.19% | -0.61% | $219 / yr |
| 🇫🇷 FR Taxable | 30% | 2.08% | -0.72% | $208 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 IBCP Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.10/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 IBCP Dividend Payment Schedule
IBCP pays quarterly — 4 times per year. Ex-div: 2026-11-03.
📊 IBCP vs Financial Services Benchmarks
How IBCP compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for IBCP sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ IBCP Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| A-Award | 2026-10-01 | 292 | $35.24 | $10.3K | ||
| A-Award | 2026-08-14 | 259.02 | — | — | ||
| A-Award | 2026-08-14 | 466.39 | — | — | ||
| A-Award | 2026-10-01 | 140.23 | — | — | ||
| A-Award | 2026-08-14 | 3.09 | — | — | ||
| A-Award | 2026-10-01 | 373.83 | — | — | ||
| A-Award | 2026-08-14 | 208.17 | — | — | ||
| A-Award | 2026-10-01 | 650.3 | — | — | ||
| A-Award | 2026-08-14 | 3.36 | — | — | ||
| A-Award | 2026-10-01 | 130.06 | — | — |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Peer Group
Similar companies in the same sectorCompare IBCP with peers: IBCP vs BCAL · IBCP vs CAC · IBCP vs CCBG
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the IBCP dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Independent Bank Corporation (IBCP) is currently trading at $36.98, 6% below its 52-week high. The current dividend yield is 2.97% based on an annual payout of $1.10 per share.
IBCP (Independent Bank Corporation) — 2.97% Dividend Yield Analysis
Independent Bank Corporation (IBCP) is a financial services stock currently trading at $36.98 with a dividend yield of 2.97%. It pays an annual dividend of $1.10 per share. The payout ratio of 34% suggests the dividend is well-covered by earnings. Over the past 5 years, IBCP has grown its dividend at a compound annual rate of 5.4%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
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