IBCP vs CADL

Comparison between Independent Bank Corporation (Ionia MI) (IBCP, Company) and Candel Therapeutics Inc (CADL, Company).

IBCP is from the Financial Services sector, while CADL is from the Healthcare sector.

5-Year PerformanceIBCP has outperformed CADL, delivering a return of +17.1% compared to +7.1%

IBCP vs CADL - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	IBCP(COMPANY)	CADL(COMPANY)
Market Cap	$741M	$739M
Max Drawdown	98.00%	94.33%
Sharpe Ratio	0.40	0.90
5Y Beta	0.73	1.81
Industry	Banks - Regional	Biotechnology
P/E Ratio	10.64	-10.61
Forward P/E	12.05	43.48
PEG Ratio	1.61	N/A
Dividend Yield	2.90%	N/A
5Y Dividends CAGR	5.61%	N/A
5Y EPS CAGR	0.15%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	3.48%	-6.63%
P/S Ratio	3.30	N/A
P/B Ratio	1.47	N/A

Market Cap

Winner

IBCP

$741M

CADL

$739M

Max Drawdown

IBCP

98.00%

Winner

CADL

94.33%

Sharpe Ratio

IBCP

0.40

Winner

CADL

0.90

5Y Beta

Winner

IBCP

0.73

CADL

1.81

Industry

IBCP

Banks - Regional

CADL

Biotechnology

P/E Ratio

IBCP

10.64

Winner

CADL

-10.61

Forward P/E

Winner

IBCP

12.05

CADL

43.48

PEG Ratio

IBCP

1.61

CADL

N/A

Dividend Yield

IBCP

2.90%

CADL

N/A

5Y Dividends CAGR

IBCP

5.61%

CADL

N/A

5Y EPS CAGR

IBCP

0.15%

CADL

N/A

Debt to Equity

IBCP

0.00%

CADL

0.00%

Free Cash Flow Yield

Winner

IBCP

3.48%

CADL

-6.63%

P/S Ratio

IBCP

3.30

CADL

N/A

P/B Ratio

IBCP

1.47

CADL

N/A

IBCP vs CADL - Historical Returns

Returns include dividend reinvestment.

Period	IBCP	CADL
1 month	+4.09%	+8.59%
3 months	+10.99%	+40.06%
6 months	+7.32%	+59.03%
1 year	+10.82%	+41.67%
5 years(CAGR)	+17.10%	+7.11%
10 years(CAGR)	+13.19%	N/A
Max(CAGR)	+7.60%	+7.11%

IBCP

+4.09%

Winner

CADL

+8.59%

IBCP

+10.99%

Winner

CADL

+40.06%

IBCP

+7.32%

Winner

CADL

+59.03%

IBCP

+10.82%

Winner

CADL

+41.67%

5Y(CAGR)

Winner

IBCP

+17.10%

CADL

+7.11%

10Y(CAGR)

IBCP

+13.19%

CADL

N/A

Max(CAGR)

Winner

IBCP

+7.60%

CADL

+7.11%

IBCP vs CADL - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	IBCP	CADL
2026	+15.71%	+81.25%
2025	-2.22%	-37.15%
2024	+39.94%	+498.62%
2023	+12.93%	-16.95%
2022	+2.86%	-77.62%
2021	+32.60%	+11.71%
2020	-14.28%	N/A
2019	+9.60%	N/A
2018	-5.62%	N/A
2017	+3.33%	N/A
2016	+51.39%	N/A
2015	+22.89%	N/A
2014	+8.49%	N/A
2013	+242.86%	N/A
2012	+157.68%	N/A
2011	-2.21%	N/A
2010	+78.08%	N/A
2009	-67.38%	N/A
2008	-75.62%	N/A
2007	-60.53%	N/A
2006	-7.84%	N/A
2005	+0.96%	N/A
2004	+6.99%	N/A
2003	+57.58%	N/A
2002	+11.75%	N/A
2001	+54.45%	N/A

IBCP vs CADL Drawdown Comparison

The maximum drawdown for IBCP was -97.75%, occurring on Dec 1, 2009. Recovery took 3117 trading sessions.

The maximum drawdown for CADL was -94.33%, occurring on Nov 3, 2023. Recovery took 641 trading sessions.

The current IBCP drawdown is -2.91%. The current CADL drawdown is -29.57%.

Rank	IBCP	CADL
#1	-97.75% Dec 1, 2005 - Apr 23, 2018	-94.33% Oct 26, 2021 - May 15, 2024
#2	-61.76% Jun 8, 2018 - Mar 12, 2021	-72.86% May 15, 2024 - Nov 15, 2024
#3	-36.44% Dec 1, 2022 - Dec 13, 2023	-36.31% Sep 8, 2021 - Oct 26, 2021
#4	-29.16% Jan 14, 2022 - Dec 1, 2022	-31.95% Aug 11, 2021 - Sep 7, 2021
#5	-27.46% Nov 11, 2024 - Jul 16, 2026	-1.57% Jul 27, 2021 - Jul 29, 2021
#6	-20.87% Dec 11, 2003 - Nov 29, 2004	-1.19% Jul 30, 2021 - Aug 10, 2021
#7	-18.51% Apr 12, 2021 - Nov 5, 2021	N/A
#8	-18.26% Aug 22, 2001 - Dec 11, 2001	N/A
#9	-17.08% Jun 14, 2002 - Aug 26, 2002	N/A
#10	-13.78% Mar 7, 2005 - Jul 28, 2005	N/A
#11	-13.47% Jan 30, 2024 - Jun 28, 2024	N/A
#12	-12.84% Oct 1, 2002 - Apr 22, 2003	N/A
#13	-12.05% May 31, 2001 - Jul 16, 2001	N/A
#14	-11.89% Jun 4, 2003 - Jul 2, 2003	N/A
#15	-11.09% Sep 19, 2024 - Nov 6, 2024	N/A