{"schema_version":"secwatch.filing_event.v1","accession":"0000776901-26-000004","form_type":"8-K","ticker":"INDB","cik":"0000776901","company_name":"INDEPENDENT BANK CORP","filed_at":"2026-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.681567+00:00","generated_at":"2026-05-16T09:10:07.881085+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Independent Bank Corp Q4 EPS $1.52 ($1.70 operating); NIM expands 15 bps","bullets":["Net income $75.3M ($1.52 diluted EPS); operating net income $84.4M ($1.70 EPS) vs Q3 operating $1.55 EPS.","Net interest margin 3.77% (+15 bps QoQ); target Q4 2026 NIM 3.85%-3.90%.","Loan growth $51.3M (0.3%) driven by C&I; deposits down $169M due to seasonal business outflows.","Repurchased 548k shares for $37.5M; tangible book value per share $47.55, up $1.04.","2026 guidance: core operating expenses $550-555M; expects two Fed rate cuts."],"urls":{"canonical":"https://secwatch.observer/filing/0000776901-26-000004","json":"https://secwatch.observer/filing/0000776901-26-000004.json","markdown":"https://secwatch.observer/filing/0000776901-26-000004.md","text":"https://secwatch.observer/filing/0000776901-26-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/776901/000077690126000004/0000776901-26-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/776901/000077690126000004/indb-20260122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:10:07.881085+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}