Is It Time To Reassess Independent Bank (INDB) After Its Recent Share Price Strength

Simply Wall St.01-24

If you are wondering whether Independent Bank shares still offer value after their recent run, it helps to step back and look at what the market is really pricing in. The stock most recently closed at...

Source Link

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Comments

We need your insight to fill this gap

Leave a comment

{"i18n":{"language":"en_US"},"isChannel":false,"data":{"share":"https://ttm.financial/m/news/2605282147?lang=en_US&edition=fundamental","thumbnail":"https://images.simplywall.st/asset/industry/7013000-choice1-main-header/1585186561056","is_english":true,"pubTime":"2026-01-24 06:35","share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","id":"2605282147","market":"nz","top_or_hot":-1,"title":"Is It Time To Reassess Independent Bank (INDB) After Its Recent Share Price Strength","media":"Simply Wall St.","content":"<div>\n<p>If you are wondering whether Independent Bank shares still offer value after their recent run, it helps to step back and look at what the market is really pricing in. The stock most recently closed at...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nasdaq-indb/independent-bank/news/is-it-time-to-reassess-independent-bank-indb-after-its-recen\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is It Time To Reassess Independent Bank (INDB) After Its Recent Share Price Strength</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs It Time To Reassess Independent Bank (INDB) After Its Recent Share Price Strength\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-01-24 06:35 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/nasdaq-indb/independent-bank/news/is-it-time-to-reassess-independent-bank-indb-after-its-recen><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>If you are wondering whether Independent Bank shares still offer value after their recent run, it helps to step back and look at what the market is really pricing in. The stock most recently closed at...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nasdaq-indb/independent-bank/news/is-it-time-to-reassess-independent-bank-indb-after-its-recen\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"INDB","symbol_name":"美国独立银行","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/nasdaq-indb/independent-bank/news/is-it-time-to-reassess-independent-bank-indb-after-its-recen","article_id":"2605282147","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7013000-choice1-main-header/1585186561056"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/banks/nasdaq-indb/independent-bank/news/is-it-time-to-reassess-independent-bank-indb-after-its-recen","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2605282147","pubTimestamp":1769207713,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"If you are wondering whether Independent Bank shares still offer value after their recent run, it helps to step back and look at what the market is really pricing in.\nThe stock most recently closed at US$78.32, with returns of 2.4% over 7 days, 3.4% over 30 days, 7.0% year to date, 21.8% over 1 year, 13.4% over 3 years, and 23.1% over 5 years, which gives you a sense of how sentiment has evolved over different time frames.\nThese moves have played out against a backdrop of ongoing sector...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"INDB":"美国独立银行","BK4211":"区域性银行"},"translate_title":"独立银行（INDB）近期股价走强后，是时候重新评估其股价了吗","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"INDB":0.9},"content_text":"If you are wondering whether Independent Bank shares still offer value after their recent run, it helps to step back and look at what the market is really pricing in. The stock most recently closed at US$78.32, with returns of 2.4% over 7 days, 3.4% over 30 days, 7.0% year to date, 21.8% over 1 year, 13.4% over 3 years, and 23.1% over 5 years, which gives you a sense of how sentiment has evolved over different time frames. These moves have played out against a backdrop of ongoing sector level news around regulation, interest rates, and credit quality, all of which can influence how investors look at regional banks like Independent Bank. For long term holders and newer investors alike, this context is important when deciding whether recent price action lines up with fundamentals or simply reflects changing risk appetite. Right now, Independent Bank has a valuation score of 1 out of 6, which means it screens as undervalued on only one of the six checks used in that framework. Next, we will look at what different valuation approaches say about the stock before turning to a more complete way of thinking about value at the end of the article.  Independent Bank scores just 1/6 on our valuation checks. See what other red flags we found in the full valuation breakdown. AdvertisementApproach 1: Independent Bank Excess Returns Analysis The Excess Returns model looks at how much profit a bank generates over and above the return that shareholders require, then capitalizes those extra earnings into an implied value per share. For Independent Bank, the model starts with a Book Value of US$72.10 per share and a Stable EPS of US$5.89 per share, based on the median return on equity from the past 5 years. The Cost of Equity is estimated at US$5.57 per share, which leaves an Excess Return of US$0.32 per share. The Average Return on Equity works out to 7.36%, and analysts point to a Stable Book Value of US$80.04 per share, using weighted future book value estimates from 2 analysts. The Excess Returns framework then combines these inputs to arrive at an intrinsic value of about US$88.68 per share. Against the recent share price of US$78.32, this implies the stock is around 11.7% undervalued on this model. Result: UNDERVALUED Our Excess Returns analysis suggests Independent Bank is undervalued by 11.7%. Track this in your watchlist or portfolio, or discover 870 more undervalued stocks based on cash flows. INDB Discounted Cash Flow as at Jan 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Independent Bank. Approach 2: Independent Bank Price vs Earnings For profitable companies like Independent Bank, the P/E ratio is a useful shorthand for how much investors are paying for each dollar of earnings. It ties the share price directly to current earnings, which most investors watch closely. What counts as a “normal” P/E depends on what the market thinks about a company’s growth prospects and risk. Higher expected growth or lower perceived risk can justify a higher P/E, while slower growth or higher risk usually points to a lower one. Independent Bank currently trades on a P/E of 18.93x. That sits above the Banks industry average of 12.11x and slightly below the peer group average of 20.00x. Simply Wall St’s Fair Ratio for Independent Bank is 17.49x, which is its view of a more tailored P/E once you factor in elements like earnings growth, profit margins, size, industry and company specific risks. This Fair Ratio aims to be more informative than a simple comparison with peers or the wider industry, because it adjusts for the mix of growth, risk and profitability that is specific to Independent Bank. With the current P/E of 18.93x versus a Fair Ratio of 17.49x, the shares screen as slightly overvalued on this metric. Result: OVERVALUED NasdaqGS:INDB P/E Ratio as at Jan 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Discover 1432 companies where insiders are betting big on explosive growth. Upgrade Your Decision Making: Choose your Independent Bank Narrative Earlier we mentioned that there is an even better way to understand valuation, so let us introduce you to Narratives, which let you attach a clear story to your view of Independent Bank’s fair value and its future revenue, earnings and margins. A Narrative is simply your structured viewpoint, where you connect what you believe about the company to a financial forecast, then to a fair value that you can compare with the current share price. On Simply Wall St’s Community page, millions of investors use Narratives as an accessible tool to map their assumptions into numbers, see a resulting fair value, and quickly judge whether the current price suggests they might buy, hold or sell. These Narratives refresh when new information such as earnings or news arrives, so your Independent Bank view can keep pace with what is happening. You might see one investor assuming a higher fair value with optimistic margins, while another applies more conservative revenue assumptions and arrives at a much lower figure. Do you think there's more to the story for Independent Bank? Head over to our Community to see what others are saying! NasdaqGS:INDB 1-Year Stock Price Chart  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"tenantId":"TBGLOBAL","deviceId":"web-server-community-laohu8-v3","version":"4.36.2","shortVersion":"4.36.2","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2605282147","isCrawlerRequest":true}