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INDB vs INTR

INDB
Independent Bank Corp.
BULLISH
Price
$79.62
Market Cap
$3.9B
Sector
Financial Services
AI Confidence
75%
INTR
Inter & Co, Inc.
NEUTRAL
Price
$8.21
Market Cap
$3.62B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
INDB
17.93
INTR
14.16
Forward P/E
INDB
9.58
INTR
7.61
P/B Ratio
INDB
1.1
INTR
1.85
P/S Ratio
INDB
4.92
INTR
0.61
EV/EBITDA
INDB
--
INTR
--

Profitability

Gross Margin
INDB
0.0%
INTR
0.0%
Operating Margin
INDB
47.46%
INTR
28.15%
Profit Margin
INDB
25.9%
INTR
21.93%
ROE
INDB
6.25%
INTR
14.36%
ROA
INDB
0.93%
INTR
1.6%

Growth

Revenue Growth
INDB
47.1%
INTR
26.4%
Earnings Growth
INDB
29.2%
INTR
35.5%

Financial Health

Debt/Equity
INDB
--
INTR
--
Current Ratio
INDB
--
INTR
--
Quick Ratio
INDB
--
INTR
--

Dividends

Dividend Yield
INDB
3.22%
INTR
1.38%
Payout Ratio
INDB
53.15%
INTR
15.79%

AI Verdict

INDB BULLISH

INDB presents a compelling value opportunity, trading below both its Graham Number ($85.05) and its growth-based intrinsic value ($130.98). While the Piotroski F-Score of 4/9 indicates only stable financial health, the company is exhibiting explosive growth with YoY revenue increases of 47.10% and strong earnings momentum. Despite bearish technical trends and minimal insider buying, the low Price-to-Book ratio (1.10) and a significant drop in forward P/E (9.58) suggest the market is underpricing its growth trajectory.

Strengths
Exceptional revenue growth (47.10% YoY)
Attractive valuation with P/B ratio of 1.10
Strong forward P/E compression (9.58 vs 17.93 trailing)
Risks
Low Return on Equity (ROE) of 6.25% compared to high growth
Bearish technical trend (10/100) suggesting short-term price weakness
Bearish insider sentiment with net selling activity
INTR NEUTRAL

Inter & Co presents a stark contrast between strong growth metrics and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the company exhibits impressive revenue growth (26.4%) and earnings growth (35.5%), the low F-Score suggests significant internal financial instability or declining efficiency. The stock is attractively valued with a Forward P/E of 7.61 and trades well below its growth-based intrinsic value of $17.11, but this is offset by a bearish technical trend and poor insider sentiment. Overall, the growth potential is high, but the underlying financial health risks necessitate a neutral stance.

Strengths
Strong YoY revenue growth of 26.40%
Robust earnings growth of 35.50% YoY
Attractive Forward P/E ratio of 7.61
Risks
Critical financial health warning indicated by Piotroski F-Score of 2/9
Bearish technical trend (0/100 score)
Weak insider sentiment (40/100)

Compare Another Pair

INDB vs INTR: Head-to-Head Comparison

This page compares Independent Bank Corp. (INDB) and Inter & Co, Inc. (INTR) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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