IBCP vs EFSCP

Comparison between Independent Bank Corporation (Ionia MI) (IBCP, Company) and Enterprise Financial Services Corp (EFSCP, Company).

Both IBCP and EFSCP are from the Financial Services sector.

5-Year PerformanceIBCP has outperformed EFSCP, delivering a return of +16.4% compared to +1.9%

IBCP vs EFSCP - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	IBCP(COMPANY)	EFSCP(COMPANY)
Market Cap	$747M	$748M
Max Drawdown	98.00%	46.54%
Sharpe Ratio	0.60	0.27
5Y Beta	0.73	0.21
Industry	Banks - Regional	Banks - Regional
P/E Ratio	10.72	3.82
Forward P/E	12.05	N/A
PEG Ratio	1.62	0.42
Dividend Yield	2.92%	6.30%
5Y Dividends CAGR	5.61%	N/A
5Y EPS CAGR	0.15%	12.51%
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	3.46%	25.66%
P/S Ratio	3.29	N/A
P/B Ratio	1.46	N/A

Market Cap

IBCP

$747M

Winner

EFSCP

$748M

Max Drawdown

IBCP

98.00%

Winner

EFSCP

46.54%

Sharpe Ratio

Winner

IBCP

0.60

EFSCP

0.27

5Y Beta

IBCP

0.73

Winner

EFSCP

0.21

Industry

IBCP

Banks - Regional

EFSCP

Banks - Regional

P/E Ratio

IBCP

10.72

Winner

EFSCP

3.82

Forward P/E

IBCP

12.05

EFSCP

N/A

PEG Ratio

IBCP

1.62

Winner

EFSCP

0.42

Dividend Yield

IBCP

2.92%

Winner

EFSCP

6.30%

5Y Dividends CAGR

IBCP

5.61%

EFSCP

N/A

5Y EPS CAGR

IBCP

0.15%

Winner

EFSCP

12.51%

Debt to Equity

IBCP

0.00%

EFSCP

0.00%

Free Cash Flow Yield

IBCP

3.46%

Winner

EFSCP

25.66%

P/S Ratio

IBCP

3.29

EFSCP

N/A

P/B Ratio

IBCP

1.46

EFSCP

N/A

IBCP vs EFSCP - Historical Returns

Returns include dividend reinvestment.

Period	IBCP	EFSCP
1 month	+6.24%	+0.90%
3 months	+5.54%	+3.91%
6 months	+9.28%	+1.81%
1 year	+9.55%	+8.49%
5 years(CAGR)	+16.40%	+1.88%
10 years(CAGR)	+13.14%	N/A
Max(CAGR)	+7.57%	+1.88%

Winner

IBCP

+6.24%

EFSCP

+0.90%

Winner

IBCP

+5.54%

EFSCP

+3.91%

Winner

IBCP

+9.28%

EFSCP

+1.81%

Winner

IBCP

+9.55%

EFSCP

+8.49%

5Y(CAGR)

Winner

IBCP

+16.40%

EFSCP

+1.88%

10Y(CAGR)

IBCP

+13.14%

EFSCP

N/A

Max(CAGR)

Winner

IBCP

+7.57%

EFSCP

+1.88%

IBCP vs EFSCP - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	IBCP	EFSCP
2026	+14.95%	+5.20%
2025	-2.22%	+6.68%
2024	+39.94%	+22.33%
2023	+12.93%	+6.31%
2022	+2.86%	-30.37%
2021	+32.60%	+4.08%
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 EFSCP Drawdown Comparison

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

The maximum drawdown for EFSCP was -40.27%, occurring on May 4, 2023. Recovery took 702 trading sessions.

The current IBCP drawdown is -3.55%. The current EFSCP drawdown is -4.41%.

Rank	IBCP	EFSCP
#1	-97.75% Dec 1, 2005 - Apr 23, 2018	-40.27% Dec 30, 2021 - Oct 16, 2024
#2	-61.76% Jun 8, 2018 - Mar 12, 2021	-19.59% Oct 18, 2024 - Sep 8, 2025
#3	-36.44% Dec 1, 2022 - Dec 13, 2023	-11.03% Sep 16, 2025 - Jan 8, 2026
#4	-29.16% Jan 14, 2022 - Dec 1, 2022	-7.92% May 14, 2026 - Jun 30, 2026
#5	-27.46% Nov 11, 2024 - Jul 16, 2026	-6.70% Mar 4, 2026 - May 7, 2026
#6	-20.87% Dec 11, 2003 - Nov 29, 2004	-3.17% Jan 8, 2026 - Mar 4, 2026
#7	-18.51% Apr 12, 2021 - Nov 5, 2021	-2.75% Nov 22, 2021 - Dec 20, 2021
#8	-18.26% Aug 22, 2001 - Dec 11, 2001	-2.63% Sep 8, 2025 - Sep 16, 2025
#9	-17.08% Jun 14, 2002 - Aug 26, 2002	-2.05% Dec 20, 2021 - Dec 27, 2021
#10	-13.78% Mar 7, 2005 - Jul 28, 2005	-2.02% May 8, 2026 - May 14, 2026
#11	-13.47% Jan 30, 2024 - Jun 28, 2024	-0.08% Nov 15, 2021 - Nov 18, 2021
#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

Correlation

Correlation between IBCP and EFSCP is 0.80 which considered as a strong positive correlation - the stocks tend to move together.

0.80

-101

Dividend Comparison (2001 - 2026)

IBCP vs EFSCP dividend yield comparison.

Year	IBCP	EFSCP
2026	1.54%	3.09%
2025	3.20%	6.45%
2024	2.76%	6.33%
2023	3.54%	7.35%
2022	3.68%	7.95%
2021	3.52%	0.00%
2020	4.33%	0.00%
2019	3.18%	0.00%
2018	2.85%	0.00%
2017	1.88%	0.00%
2016	1.57%	0.00%
2015	1.71%	0.00%
2014	1.38%	0.00%
2009	4.17%	0.00%
2008	15.74%	0.00%
2007	8.74%	0.00%
2005	2.62%	0.00%
2004	1.64%	0.00%
2003	2.52%	0.00%
2002	2.38%	0.00%
2001	2.18%	0.00%