FISI
Price
$25.78
Change
-$0.61 (-2.31%)
Updated
Aug 15 closing price
Capitalization
518.94M
67 days until earnings call
IBCP
Price
$30.85
Change
-$0.79 (-2.50%)
Updated
Aug 15 closing price
Capitalization
638.89M
72 days until earnings call
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FISI vs IBCP

Header iconFISI vs IBCP Comparison
Open Charts FISI vs IBCPBanner chart's image
Financial Institutions
Price$25.78
Change-$0.61 (-2.31%)
Volume$213.2K
Capitalization518.94M
Independent Bank
Price$30.85
Change-$0.79 (-2.50%)
Volume$272.23K
Capitalization638.89M
FISI vs IBCP Comparison Chart in %
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FISI
Daily Signalchanged days ago
Gain/Loss if bought
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IBCP
Daily Signalchanged days ago
Gain/Loss if bought
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FISI vs. IBCP commentary
Aug 18, 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 FISI is a Hold and IBCP is a Hold.

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COMPARISON
Comparison
Aug 18, 2025
Stock price -- (FISI: $25.78 vs. IBCP: $30.85)
Brand notoriety: FISI and IBCP are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FISI: 147% vs. IBCP: 340%
Market capitalization -- FISI: $518.94M vs. IBCP: $638.89M
FISI [@Regional Banks] is valued at $518.94M. IBCP’s [@Regional Banks] market capitalization is $638.89M. The market cap for tickers in the [@Regional Banks] industry ranges from $174.7B to $0. The average market capitalization across the [@Regional Banks] industry is $7.93B.

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).

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

  • FISI’s FA Score: 2 green, 3 red.
  • IBCP’s FA Score: 2 green, 3 red.
According to our system of comparison, both FISI and IBCP are a good buy in the long-term.

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.

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

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

Price Growth

FISI (@Regional Banks) experienced а +3.62% price change this week, while IBCP (@Regional Banks) price change was +1.31% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +1.64%. For the same industry, the average monthly price growth was +2.46%, and the average quarterly price growth was +8.68%.

Reported Earning Dates

FISI is expected to report earnings on Oct 23, 2025.

IBCP is expected to report earnings on Oct 28, 2025.

Industries' Descriptions

@Regional Banks (+1.64% 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
IBCP($639M) has a higher market cap than FISI($519M). IBCP has higher P/E ratio than FISI: IBCP (10.08) vs FISI (8.32). FISI YTD gains are higher at: -3.243 vs. IBCP (-9.250). FISI has more cash in the bank: 74M vs. IBCP (60.6M). IBCP has less debt than FISI: IBCP (124M) vs FISI (213M).
FISIIBCPFISI / IBCP
Capitalization519M639M81%
EBITDAN/AN/A-
Gain YTD-3.243-9.25035%
P/E Ratio8.3210.0883%
RevenueN/AN/A-
Total Cash74M60.6M122%
Total Debt213M124M172%
FUNDAMENTALS RATINGS
FISI vs IBCP: Fundamental Ratings
FISI
IBCP
OUTLOOK RATING
1..100
744
VALUATION
overvalued / fair valued / undervalued
1..100
16
Undervalued
34
Fair valued
PROFIT vs RISK RATING
1..100
4823
SMR RATING
1..100
5828
PRICE GROWTH RATING
1..100
5761
P/E GROWTH RATING
1..100
2155
SEASONALITY SCORE
1..100
5075

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.

FISI's Valuation (16) in the Regional Banks industry is in the same range as IBCP (34). This means that FISI’s stock grew similarly to IBCP’s over the last 12 months.

IBCP's Profit vs Risk Rating (23) in the Regional Banks industry is in the same range as FISI (48). This means that IBCP’s stock grew similarly to FISI’s over the last 12 months.

IBCP's SMR Rating (28) in the Regional Banks industry is in the same range as FISI (58). This means that IBCP’s stock grew similarly to FISI’s over the last 12 months.

FISI's Price Growth Rating (57) in the Regional Banks industry is in the same range as IBCP (61). This means that FISI’s stock grew similarly to IBCP’s over the last 12 months.

FISI's P/E Growth Rating (21) in the Regional Banks industry is somewhat better than the same rating for IBCP (55). This means that FISI’s stock grew somewhat faster than IBCP’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FISIIBCP
RSI
ODDS (%)
Bullish Trend 3 days ago
75%
Bullish Trend 3 days ago
70%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
63%
Bearish Trend 3 days ago
59%
Momentum
ODDS (%)
Bullish Trend 3 days ago
59%
Bullish Trend 3 days ago
55%
MACD
ODDS (%)
Bullish Trend 3 days ago
60%
Bullish Trend 3 days ago
65%
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
67%
Bullish Trend 3 days ago
64%
TrendMonth
ODDS (%)
Bearish Trend 3 days ago
60%
Bearish Trend 3 days ago
64%
Advances
ODDS (%)
Bullish Trend 5 days ago
65%
Bullish Trend 5 days ago
63%
Declines
ODDS (%)
Bearish Trend 3 days ago
59%
Bearish Trend 3 days ago
65%
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
72%
Bullish Trend 3 days ago
69%
Aroon
ODDS (%)
Bearish Trend 3 days ago
58%
Bearish Trend 3 days ago
66%
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FISI
Daily Signalchanged days ago
Gain/Loss if bought
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IBCP
Daily Signalchanged days ago
Gain/Loss if bought
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FISI and

Correlation & Price change

A.I.dvisor indicates that over the last year, FISI has been closely correlated with IBOC. These tickers have moved in lockstep 84% of the time. This A.I.-generated data suggests there is a high statistical probability that if FISI jumps, then IBOC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FISI
1D Price
Change %
FISI100%
-2.31%
IBOC - FISI
84%
Closely correlated
-1.88%
UVSP - FISI
82%
Closely correlated
-2.33%
SBCF - FISI
82%
Closely correlated
-1.61%
IBCP - FISI
81%
Closely correlated
-2.50%
CTBI - FISI
81%
Closely correlated
-2.08%
More

IBCP and

Correlation & Price change

A.I.dvisor indicates that over the last year, IBCP has been closely correlated with CTBI. 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 CTBI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To IBCP
1D Price
Change %
IBCP100%
-2.50%
CTBI - IBCP
89%
Closely correlated
-2.08%
BY - IBCP
88%
Closely correlated
-1.64%
STBA - IBCP
88%
Closely correlated
-2.29%
FMBH - IBCP
88%
Closely correlated
-2.82%
MCBS - IBCP
88%
Closely correlated
-1.95%
More