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Sep 30, 2022

Independent Bank Q3 2022 Earnings Report

Independent Bank Corp reported net income growth in Q3 2022, driven by higher revenues.

Key Takeaways

Independent Bank Corp. reported a net income of $71.9 million for the third quarter of 2022, an increase compared to the previous quarter. This was primarily driven by strong net interest margin expansion and profitable deployment of liquid assets. The company's return on average assets was 1.43%, and return on average common equity was 9.90%.

Net income for the third quarter of 2022 was $71.9 million, or $1.57 per diluted share.

Total assets decreased slightly from the prior quarter but increased significantly compared to the year-ago period, inclusive of the Meridian Bancorp, Inc. acquisition.

Net interest income increased by 12.2% compared to the prior quarter, reflecting the positive impact of asset repricing.

The company repurchased 443,000 shares of its common stock for $34.6 million during the third quarter.

Total Revenue
$191M
Previous year: $117M
+63.7%
EPS
$1.57
Previous year: $1.25
+25.6%
Net interest margin
3.64%
Previous year: 2.78%
+30.9%
Return on avg. assets
1.43%
Previous year: 1.11%
+28.8%
Return on avg. equity
9.9%
Previous year: 9.04%
+9.5%
Cash and Equivalents
$173M
Previous year: $2.01B
-91.4%
Free Cash Flow
$132M
Previous year: $29.9M
+340.0%
Total Assets
$19.7B
Previous year: $14.5B
+35.6%

Independent Bank

Independent Bank

Independent Bank Revenue by Segment

Forward Guidance

The company announced a new stock repurchase plan, authorizing repurchases of up to $120 million in common stock, scheduled to expire on October 19, 2023.