---
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"
generated_at: "2026-05-16T09:10:07.881085+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Independent Bank Corp Q4 EPS $1.52 ($1.70 operating); NIM expands 15 bps

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000776901-26-000004
- JSON: https://secwatch.observer/filing/0000776901-26-000004.json
- Plain text: https://secwatch.observer/filing/0000776901-26-000004.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.