BY
Price
$27.07
Change
-$0.62 (-2.24%)
Updated
Jul 24, 04:59 PM (EDT)
Capitalization
937.28M
91 days until earnings call
IBCP
Price
$33.12
Change
-$1.07 (-3.13%)
Updated
Jul 24, 04:13 PM (EDT)
Capitalization
529.95M
Earnings call today
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BY vs IBCP

Header iconBY vs IBCP Comparison
Open Charts BY vs IBCPBanner chart's image
Byline Ban
Price$27.07
Change-$0.62 (-2.24%)
Volume$2.58K
Capitalization937.28M
Independent Bank
Price$33.12
Change-$1.07 (-3.13%)
Volume$100
Capitalization529.95M
BY vs IBCP Comparison Chart in %
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BY
Daily Signalchanged days ago
Gain/Loss if bought
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IBCP
Daily Signalchanged days ago
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BY vs. IBCP commentary
Jul 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 Hold.

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COMPARISON
Comparison
Jul 25, 2025
Stock price -- (BY: $27.69 vs. IBCP: $34.19)
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: 78% vs. IBCP: 65%
Market capitalization -- BY: $937.28M vs. IBCP: $529.95M
BY [@Regional Banks] is valued at $937.28M. IBCP’s [@Regional Banks] market capitalization is $529.95M. The market cap for tickers in the [@Regional Banks] industry ranges from $133.96B to $0. The average market capitalization across the [@Regional Banks] industry is $6.04B.

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 2 FA rating(s) are green whileIBCP’s FA Score has 2 green FA rating(s).

  • BY’s FA Score: 2 green, 3 red.
  • IBCP’s FA Score: 2 green, 3 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 4 TA indicator(s) are bullish while IBCP’s TA Score has 3 bullish TA indicator(s).

  • BY’s TA Score: 4 bullish, 6 bearish.
  • IBCP’s TA Score: 3 bullish, 6 bearish.
According to our system of comparison, BY is a better buy in the short-term than IBCP.

Price Growth

BY (@Regional Banks) experienced а -0.14% price change this week, while IBCP (@Regional Banks) price change was +0.94% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.38%. For the same industry, the average monthly price growth was +4.01%, and the average quarterly price growth was +9.24%.

Reported Earning Dates

BY is expected to report earnings on Jul 24, 2025.

IBCP is expected to report earnings on Jul 24, 2025.

Industries' Descriptions

@Regional Banks (+0.38% 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($937M) has a higher market cap than IBCP($530M). IBCP has higher P/E ratio than BY: IBCP (8.82) vs BY (7.91). IBCP YTD gains are higher at: -0.672 vs. BY (-3.815). BY has more cash in the bank: 71.2M vs. IBCP (58.6M). IBCP has less debt than BY: IBCP (129M) vs BY (513M). BY has higher revenues than IBCP: BY (384M) vs IBCP (200M).
BYIBCPBY / IBCP
Capitalization937M530M177%
EBITDAN/AN/A-
Gain YTD-3.815-0.672568%
P/E Ratio7.918.8290%
Revenue384M200M192%
Total Cash71.2M58.6M122%
Total Debt513M129M398%
FUNDAMENTALS RATINGS
BY vs IBCP: Fundamental Ratings
BY
IBCP
OUTLOOK RATING
1..100
1622
VALUATION
overvalued / fair valued / undervalued
1..100
57
Fair valued
82
Overvalued
PROFIT vs RISK RATING
1..100
3117
SMR RATING
1..100
1520
PRICE GROWTH RATING
1..100
5348
P/E GROWTH RATING
1..100
5753
SEASONALITY SCORE
1..100
7595

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.

BY's Valuation (57) in the Regional Banks industry is in the same range as IBCP (82). This means that BY’s stock grew similarly to IBCP’s over the last 12 months.

IBCP's Profit vs Risk Rating (17) in the Regional Banks industry is in the same range as BY (31). This means that IBCP’s stock grew similarly to BY’s over the last 12 months.

BY's SMR Rating (15) in the Regional Banks industry is in the same range as IBCP (20). This means that BY’s stock grew similarly to IBCP’s over the last 12 months.

IBCP's Price Growth Rating (48) in the Regional Banks industry is in the same range as BY (53). This means that IBCP’s stock grew similarly to BY’s over the last 12 months.

IBCP's P/E Growth Rating (53) in the Regional Banks industry is in the same range as BY (57). This means that IBCP’s stock grew similarly to BY’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BYIBCP
RSI
ODDS (%)
Bearish Trend 2 days ago
76%
Bearish Trend 3 days ago
67%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
65%
Bearish Trend 3 days ago
59%
Momentum
ODDS (%)
Bearish Trend 2 days ago
58%
Bearish Trend 3 days ago
75%
MACD
ODDS (%)
Bearish Trend 2 days ago
60%
Bearish Trend 3 days ago
65%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
60%
Bullish Trend 3 days ago
65%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
62%
Bullish Trend 3 days ago
64%
Advances
ODDS (%)
Bullish Trend 3 days ago
61%
Bullish Trend 8 days ago
63%
Declines
ODDS (%)
Bearish Trend 14 days ago
60%
N/A
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
61%
Bearish Trend 3 days ago
64%
Aroon
ODDS (%)
Bullish Trend 2 days ago
51%
Bearish Trend 3 days ago
63%
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BY
Daily Signalchanged days ago
Gain/Loss if bought
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IBCP
Daily Signalchanged days ago
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BY and

Correlation & Price change

A.I.dvisor indicates that over the last year, BY has been closely correlated with UBSI. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if BY jumps, then UBSI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To BY
1D Price
Change %
BY100%
-0.79%
UBSI - BY
90%
Closely correlated
-0.65%
FBK - BY
90%
Closely correlated
-0.90%
TRMK - BY
90%
Closely correlated
-0.98%
BHLB - BY
90%
Closely correlated
-0.76%
FULT - BY
90%
Closely correlated
-0.57%
More

IBCP and

Correlation & Price change

A.I.dvisor indicates that over the last year, IBCP has been closely correlated with SBSI. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if IBCP jumps, then SBSI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To IBCP
1D Price
Change %
IBCP100%
-0.32%
SBSI - IBCP
89%
Closely correlated
+0.06%
FCF - IBCP
88%
Closely correlated
+0.06%
TCBK - IBCP
88%
Closely correlated
-0.66%
IBOC - IBCP
87%
Closely correlated
-0.07%
BY - IBCP
87%
Closely correlated
+0.43%
More