IBCP vs DJCO

Comparison between Independent Bank Corporation (Ionia MI) (IBCP, Company) and Daily Journal Corporation (DJCO, Company).

IBCP is from the Financial Services sector, while DJCO is from the Technology sector.

5-Year PerformanceIBCP has outperformed DJCO, delivering a return of +13.9% compared to +10.5%

IBCP vs DJCO - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	IBCP(COMPANY)	DJCO(COMPANY)
Market Cap	$727M	$726M
Max Drawdown	98.00%	41.58%
Sharpe Ratio	0.52	0.72
5Y Beta	0.75	1.18
Industry	Banks - Regional	Software - Application
P/E Ratio	10.43	45.83
Forward P/E	12.05	39.22
PEG Ratio	1.58	4.32
Dividend Yield	3.05%	N/A
5Y Dividends CAGR	5.61%	N/A
5Y EPS CAGR	0.15%	48.89%
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	3.55%	1.90%
P/S Ratio	3.23	7.73
P/B Ratio	1.42	2.05

Market Cap

Winner

IBCP

$727M

DJCO

$726M

Max Drawdown

IBCP

98.00%

Winner

DJCO

41.58%

Sharpe Ratio

IBCP

0.52

Winner

DJCO

0.72

5Y Beta

Winner

IBCP

0.75

DJCO

1.18

Industry

IBCP

Banks - Regional

DJCO

Software - Application

P/E Ratio

Winner

IBCP

10.43

DJCO

45.83

Forward P/E

Winner

IBCP

12.05

DJCO

39.22

PEG Ratio

Winner

IBCP

1.58

DJCO

4.32

Dividend Yield

IBCP

3.05%

DJCO

N/A

5Y Dividends CAGR

IBCP

5.61%

DJCO

N/A

5Y EPS CAGR

IBCP

0.15%

Winner

DJCO

48.89%

Debt to Equity

IBCP

0.00%

DJCO

0.00%

Free Cash Flow Yield

Winner

IBCP

3.55%

DJCO

1.90%

P/S Ratio

Winner

IBCP

3.23

DJCO

7.73

P/B Ratio

Winner

IBCP

1.42

DJCO

2.05

IBCP vs DJCO - Historical Returns

Returns include dividend reinvestment.

Period	IBCP	DJCO
1 month	+5.75%	+14.03%
3 months	+8.03%	+6.96%
6 months	+3.43%	+9.56%
1 year	+16.81%	+39.23%
5 years(CAGR)	+13.85%	+10.47%
10 years(CAGR)	+13.05%	+10.44%
Max(CAGR)	+7.49%	+10.81%

IBCP

+5.75%

Winner

DJCO

+14.03%

Winner

IBCP

+8.03%

DJCO

+6.96%

IBCP

+3.43%

Winner

DJCO

+9.56%

IBCP

+16.81%

Winner

DJCO

+39.23%

5Y(CAGR)

Winner

IBCP

+13.85%

DJCO

+10.47%

10Y(CAGR)

Winner

IBCP

+13.05%

DJCO

+10.44%

Max(CAGR)

IBCP

+7.49%

Winner

DJCO

+10.81%

IBCP vs DJCO - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	IBCP	DJCO
2026	+12.01%	+10.84%
2025	-2.22%	-12.57%
2024	+39.94%	+63.92%
2023	+12.93%	+28.72%
2022	+2.86%	-29.53%
2021	+32.60%	-7.35%
2020	-14.28%	+38.36%
2019	+9.60%	+21.72%
2018	-5.62%	+2.18%
2017	+3.33%	-9.33%
2016	+51.39%	+20.28%
2015	+22.89%	-15.83%
2014	+8.49%	+46.61%
2013	+242.86%	+101.95%
2012	+157.68%	+41.19%
2011	-2.21%	-8.01%
2010	+78.08%	+21.62%
2009	-67.38%	+77.14%
2008	-75.62%	-16.97%
2007	-60.53%	+1.60%
2006	-7.84%	-3.38%
2005	+0.96%	+22.46%
2004	+6.99%	+17.54%
2003	+57.58%	+29.02%
2002	+11.75%	-2.04%
2001	+54.45%	-18.33%
2000	N/A	-7.69%
1999	N/A	-10.34%

IBCP vs DJCO Drawdown Comparison

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

The maximum drawdown for DJCO was -41.58%, occurring on Sep 26, 2022. Recovery took 879 trading sessions.

The current IBCP drawdown is -4.46%. The current DJCO drawdown is -16.33%.

Rank	IBCP	DJCO
#1	-97.75% Dec 1, 2005 - Apr 23, 2018	-41.58% Dec 31, 2020 - Jul 2, 2024
#2	-61.76% Jun 8, 2018 - Mar 12, 2021	-41.38% Nov 1, 1999 - Feb 10, 2004
#3	-36.44% Dec 1, 2022 - Dec 13, 2023	-38.01% Nov 11, 2024 - Jan 9, 2026
#4	-29.16% Jan 14, 2022 - Dec 1, 2022	-37.98% Apr 4, 2008 - Aug 7, 2009
#5	-27.46% Nov 11, 2024 - Apr 4, 2025	-33.14% Dec 31, 2014 - Dec 7, 2016
#6	-20.87% Dec 11, 2003 - Nov 29, 2004	-32.90% Feb 19, 2020 - Aug 6, 2020
#7	-18.51% Apr 12, 2021 - Nov 5, 2021	-31.16% Jan 28, 2008 - Apr 4, 2008
#8	-18.26% Aug 22, 2001 - Dec 11, 2001	-30.41% Jan 23, 2026 - May 15, 2026
#9	-17.08% Jun 14, 2002 - Aug 26, 2002	-28.00% Dec 14, 2016 - Oct 7, 2019
#10	-13.78% Mar 7, 2005 - Jul 28, 2005	-24.28% Aug 9, 2013 - Dec 26, 2013
#11	-13.47% Jan 30, 2024 - Jun 28, 2024	-24.12% Aug 6, 2020 - Dec 18, 2020
#12	-12.84% Oct 1, 2002 - Apr 22, 2003	-23.56% Nov 1, 2012 - Mar 26, 2013
#13	-12.05% May 31, 2001 - Jul 16, 2001	-23.23% Jun 23, 2014 - Nov 12, 2014
#14	-11.89% Jun 4, 2003 - Jul 2, 2003	-20.64% Dec 27, 2005 - Oct 25, 2007
#15	-11.09% Sep 19, 2024 - Nov 6, 2024	-19.78% Jan 13, 2005 - Dec 23, 2005