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RK

Ronia F. Kruse

IBCP
DIRECTOR · INDEPENDENT BANK CORP /MI/ · CIK 0001792263
FILING MIX · LIFETIME100%/0%
BUYS
56
SELLS
0
TOTAL VALUE
$552.2K
COMPANIES
1
ACTIVE SINCE
Nov 2019
HOLDINGS NOW
24,403
AVG SELL PX
—
TRADE KIND
SHOWING 56 / 56
Trades · vs SPY
Loading price series…
Performance · forward returns vs SPY
2 backtested trades · 8 horizons · 3 pendingHow are these numbers computed? →
Forward-return performance of every backtestable P/S trade by Ronia F. Kruse, measured at 8 horizons from 7 days to 2 years. Deduped per economic event so co-filings count once. Excess return = trade return minus SPY return over the same window.
HORIZONTRADESWIN RATEINSIDER RETURNSPY RETURNMEAN EXCESSMEDIAN EXCESST-STAT
7d2+0.00%-3.02%-1.46%-1.56%-1.56%—
14d2+0.00%-2.84%-0.30%-2.54%-2.54%—
30d2+0.00%-6.72%-1.40%-5.32%-5.32%—
60d2+0.00%-4.42%+4.27%-8.69%-8.69%—
90d2+0.00%-6.01%+6.16%-13.95%-13.95%—
180d2(1 pending)+100.00%+3.55%+11.37%-7.82%-7.82%—
1y2(1 pending)+0.00%-14.91%-6.92%-7.99%-7.99%—
2y2(1 pending)+0.00%-13.30%+5.34%-18.64%-18.64%—
How to read this: Insider Returnis the average raw return of the filer's trades over the horizon. SPY Return is what SPY did over those same windows — reference only, not a comparison. The headline alpha number is Mean Excess = Insider − SPY; green means the filer beat SPY, red means they trailed it. Win rate is the share of individual trades where the filer beat SPY. T-statvalues above 2 mean the alpha is unlikely to be chance given the sample size. "Pending" counts trades where the horizon hasn't elapsed yet; their stats are not included in the row average.
Holdings over time
IBCP · 24,403.27 shares · as of Jul 1, 2026
06,10112,20218,30224,4032020202120222023202420252026SHARES HELD
Trading cadence · quarterly flow
BUY ● SELL ●
2019
2020
2020
2020
2020
2021
2021
2021
2021
2022
2022
2022
2022
2023
2023
2023
2023
2024
2024
2024
2024
2025
2025
2025
2025
2026
2026
2026
FLOW · 56 buys / 0 sellsCOVERAGE · 28 quarters
Form 4 filings · all activity
COMPANYTYPESHARESPRICEVALUEHELD AFTERTRADE DATEFILEDDETAILS
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
127.07$32.46$4.1K24,403.27Jul 1, 2026Jul 2, 2026 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
200$33.71$6.7K24,276.2May 14, 2026Jul 2, 2026 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
137.64$29.97$4.1K24,076.2Apr 1, 2026Apr 2, 2026 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASE
1,200$35.27$42.3K2,200Feb 24, 2026Feb 27, 2026 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
183.34$36.28$6.7K23,938.56Feb 13, 2026Apr 2, 2026 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
136.63$29.28$4.0K23,755.22Jan 1, 2026Jan 5, 2026 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
195.32$31.18$6.1K23,618.59Nov 14, 2025Jan 5, 2026 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
717.31$27.88$20.0K23,423.27Oct 1, 2025Oct 1, 2025 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
188.19$31.11$5.9K22,705.96Aug 15, 2025Oct 1, 2025 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
685.66$29.17$20.0K22,517.77Jul 1, 2025Jul 1, 2025 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
172.9$32.57$5.6K21,832.11May 15, 2025Jul 1, 2025 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
721.74$27.71$20.0K21,659.21Apr 1, 2025Apr 1, 2025 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
151.93$35.57$5.4K20,937.47Feb 14, 2025Apr 1, 2025 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
542.32$31.35$17.0K20,785.54Jan 1, 2025Jan 2, 2025 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
128.19$37.66$4.8K20,243.22Nov 15, 2024Jan 2, 2025 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
566.38$30.02$17.0K20,115.03Oct 1, 2024Oct 1, 2024 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
141.1$33.01$4.7K19,548.65Aug 15, 2024Oct 1, 2024 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
699.59$24.30$17.0K19,407.55Jul 1, 2024Jul 1, 2024 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
171.7$25.91$4.4K18,707.96May 13, 2024Jul 1, 2024 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
745.12$22.82$17.0K18,536.26Apr 1, 2024Apr 2, 2024 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
168.5$25.10$4.2K17,791.14Feb 15, 2024Apr 2, 2024 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
693.91$23.42$16.3K17,622.64Jan 1, 2024Jan 2, 2024 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
184.97$20.82$3.9K16,928.73Nov 13, 2023Jan 2, 2024 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
984.49$16.51$16.3K16,743.76Oct 1, 2023Oct 2, 2023 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
174.95$20.49$3.6K15,759.27Aug 14, 2023Oct 2, 2023 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
1,064.6$15.26$16.2K15,584.32Jul 1, 2023Jul 3, 2023 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
205.11$16.05$3.3K14,519.72May 15, 2023Jul 3, 2023 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
1,016.07$15.99$16.2K14,314.61Apr 1, 2023Apr 4, 2023 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
135.34$22.37$3.0K13,298.54Feb 24, 2023Apr 4, 2023 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
696.77$21.53$15.0K13,163.2Jan 1, 2023Jan 4, 2023 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
110.41$24.62$2.7K12,466.43Nov 14, 2022Jan 4, 2023 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
872.6$17.19$15.0K12,356.02Oct 1, 2022Oct 3, 2022 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
114.68$21.81$2.5K11,483.42Aug 16, 2022Oct 3, 2022 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
864.45$17.35$15.0K11,368.74Jul 1, 2022Jul 1, 2022 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
118.94$19.21$2.3K10,504.29May 16, 2022Jul 1, 2022 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
757.58$19.80$15.0K10,385.35Apr 1, 2022Apr 4, 2022 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
86.24$24.34$2.1K9,627.77Feb 15, 2022Apr 4, 2022 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
698.23$21.48$15.0K9,541.53Jan 1, 2022Jan 4, 2022 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
78.04$23.59$1.8K8,843.3Nov 15, 2021Jan 4, 2022 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
775.92$19.33$15.0K8,765.26Oct 1, 2021Oct 1, 2021 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
77.71$21.38$1.7K7,989.34Aug 16, 2021Oct 1, 2021 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
767.7$19.54$15.0K7,911.63Jul 1, 2021Jul 1, 2021 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASE
1,000$22.60$22.6K1,000Jun 11, 2021Jun 15, 2021 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
63.17$23.54$1.5K7,143.93May 15, 2021Jul 1, 2021 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
705.02$21.28$15.0K7,080.76Apr 1, 2021Apr 1, 2021 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
63.86$20.75$1.3K6,375.74Feb 15, 2021Apr 1, 2021 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
902.36$16.62$15.0K6,311.88Jan 1, 2021Jan 4, 2021 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
59.12$18.10$1.1K5,409.52Nov 15, 2020Jan 4, 2021 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
1,325.91$11.31$15.0K5,350.4Oct 1, 2020Oct 1, 2020 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
51.66$15.38$7954,024.49Aug 15, 2020Oct 1, 2020 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
1,122.33$13.37$15.0K3,972.83Jul 1, 2020Jul 1, 2020 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
47.31$11.85$5612,850.5May 15, 2020Jul 1, 2020 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
1,295$11.58$15.0K2,803.19Apr 1, 2020Apr 1, 2020 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
13.41$22.29$2991,508.19Feb 15, 2020Apr 1, 2020 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
735.84$20.39$15.0K1,494.78Jan 1, 2020Jan 3, 2020 ↗View →
IBCP
INDEPENDENT BANK CORP /MI/
PURCHASEGRANT
Stock grant
5.94$22.81$135758.94Nov 15, 2019Jan 3, 2020 ↗View →
Other insiders · IBCP
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About this filer
CIK 0001792263
ROLE
Director
PRIMARY
IBCP
COMPANIES
1
ACTIVE SINCE
Nov 2019
MARKETPEEL · /INSIDER/0001792263DATA · SEC EDGAR · FORM 4 · CONSOLIDATED TAPE
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The morning brief, before the bell.

One short email. Insider buys, congressional trades, and plain-English analysis.

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