BY
Price
$29.83
Change
+$0.06 (+0.20%)
Updated
Dec 24 closing price
Capitalization
1.37B
28 days until earnings call
Intraday BUY SELL Signals
IBCP
Price
$33.53
Change
-$0.09 (-0.27%)
Updated
Dec 24 closing price
Capitalization
693.8M
28 days until earnings call
Intraday BUY SELL Signals
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BY vs IBCP

Header iconBY vs IBCP Comparison
Open Charts BY vs IBCPBanner chart's image
Byline Ban
Price$29.83
Change+$0.06 (+0.20%)
Volume$146.98K
Capitalization1.37B
Independent Bank
Price$33.53
Change-$0.09 (-0.27%)
Volume$36.26K
Capitalization693.8M
BY vs IBCP Comparison Chart in %
BY
Daily Signal:
Gain/Loss:
IBCP
Daily Signal:
Gain/Loss:
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VS
BY vs. IBCP commentary
Dec 25, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BY is a Hold and IBCP is a StrongBuy.

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COMPARISON
Comparison
Dec 25, 2025
Stock price -- (BY: $29.83 vs. IBCP: $33.53)
Brand notoriety: BY and IBCP are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: BY: 73% vs. IBCP: 27%
Market capitalization -- BY: $1.37B vs. IBCP: $693.8M
BY [@Regional Banks] is valued at $1.37B. IBCP’s [@Regional Banks] market capitalization is $693.8M. The market cap for tickers in the [@Regional Banks] industry ranges from $171.46B to $0. The average market capitalization across the [@Regional Banks] industry is $8.64B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

BY’s FA Score shows that 1 FA rating(s) are green whileIBCP’s FA Score has 3 green FA rating(s).

  • BY’s FA Score: 1 green, 4 red.
  • IBCP’s FA Score: 3 green, 2 red.
According to our system of comparison, BY is a better buy in the long-term than IBCP.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

BY’s TA Score shows that 5 TA indicator(s) are bullish while IBCP’s TA Score has 6 bullish TA indicator(s).

  • BY’s TA Score: 5 bullish, 5 bearish.
  • IBCP’s TA Score: 6 bullish, 5 bearish.
According to our system of comparison, IBCP is a better buy in the short-term than BY.

Price Growth

BY (@Regional Banks) experienced а -3.02% price change this week, while IBCP (@Regional Banks) price change was -4.34% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.01%. For the same industry, the average monthly price growth was +5.44%, and the average quarterly price growth was +15.56%.

Reported Earning Dates

BY is expected to report earnings on Jan 22, 2026.

IBCP is expected to report earnings on Jan 22, 2026.

Industries' Descriptions

@Regional Banks (+0.01% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
BY($1.37B) has a higher market cap than IBCP($694M). BY (10.65) and IBCP (10.32) have similar P/E ratio . BY YTD gains are higher at: 4.410 vs. IBCP (-0.518). BY (75.1M) and IBCP (74.4M) have equal amount of cash in the bank . IBCP has less debt than BY: IBCP (41.9M) vs BY (540M). BY has higher revenues than IBCP: BY (429M) vs IBCP (222M).
BYIBCPBY / IBCP
Capitalization1.37B694M197%
EBITDAN/AN/A-
Gain YTD4.410-0.518-852%
P/E Ratio10.6510.32103%
Revenue429M222M193%
Total Cash75.1M74.4M101%
Total Debt540M41.9M1,289%
FUNDAMENTALS RATINGS
BY vs IBCP: Fundamental Ratings
BY
IBCP
OUTLOOK RATING
1..100
7765
VALUATION
overvalued / fair valued / undervalued
1..100
42
Fair valued
33
Fair valued
PROFIT vs RISK RATING
1..100
3526
SMR RATING
1..100
1927
PRICE GROWTH RATING
1..100
4951
P/E GROWTH RATING
1..100
4868
SEASONALITY SCORE
1..100
50n/a

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

IBCP's Valuation (33) in the Regional Banks industry is in the same range as BY (42). This means that IBCP’s stock grew similarly to BY’s over the last 12 months.

IBCP's Profit vs Risk Rating (26) in the Regional Banks industry is in the same range as BY (35). This means that IBCP’s stock grew similarly to BY’s over the last 12 months.

BY's SMR Rating (19) in the Regional Banks industry is in the same range as IBCP (27). This means that BY’s stock grew similarly to IBCP’s over the last 12 months.

BY's Price Growth Rating (49) in the Regional Banks industry is in the same range as IBCP (51). This means that BY’s stock grew similarly to IBCP’s over the last 12 months.

BY's P/E Growth Rating (48) in the Regional Banks industry is in the same range as IBCP (68). This means that BY’s stock grew similarly to IBCP’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BYIBCP
RSI
ODDS (%)
Bearish Trend 2 days ago
74%
Bearish Trend 2 days ago
72%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
61%
Bullish Trend 2 days ago
68%
Momentum
ODDS (%)
Bearish Trend 2 days ago
65%
Bearish Trend 2 days ago
71%
MACD
ODDS (%)
Bearish Trend 2 days ago
61%
Bearish Trend 2 days ago
65%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
60%
Bearish Trend 2 days ago
66%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
56%
Bullish Trend 2 days ago
58%
Advances
ODDS (%)
Bullish Trend 8 days ago
59%
Bullish Trend 15 days ago
59%
Declines
ODDS (%)
Bearish Trend 3 days ago
60%
Bearish Trend 2 days ago
65%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
69%
Bearish Trend 2 days ago
64%
Aroon
ODDS (%)
Bullish Trend 2 days ago
44%
Bullish Trend 2 days ago
46%
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BY
Daily Signal:
Gain/Loss:
IBCP
Daily Signal:
Gain/Loss:
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BY and

Correlation & Price change

A.I.dvisor indicates that over the last year, BY has been closely correlated with BFST. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if BY jumps, then BFST could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To BY
1D Price
Change %
BY100%
+0.20%
BFST - BY
87%
Closely correlated
-0.30%
OSBC - BY
87%
Closely correlated
-0.25%
FMBH - BY
87%
Closely correlated
-0.72%
UVSP - BY
86%
Closely correlated
+0.09%
TRMK - BY
86%
Closely correlated
-0.15%
More

IBCP and

Correlation & Price change

A.I.dvisor indicates that over the last year, IBCP has been closely correlated with UVSP. These tickers have moved in lockstep 86% of the time. This A.I.-generated data suggests there is a high statistical probability that if IBCP jumps, then UVSP could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To IBCP
1D Price
Change %
IBCP100%
-0.27%
UVSP - IBCP
86%
Closely correlated
+0.09%
BY - IBCP
85%
Closely correlated
+0.20%
BUSE - IBCP
85%
Closely correlated
+0.16%
CTBI - IBCP
85%
Closely correlated
+0.10%
FMBH - IBCP
84%
Closely correlated
-0.72%
More