What if you'd held IBCP?
A $1,000 investment in Independent Bank Corporation (IBCP) at the month-end close of 1985-09 would be worth $10,408 at the close of 2026-08 — +940.8% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $42,333.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 1985
| Year | Value of $1,000 | Year return |
|---|---|---|
| 1985 | $1,000 | — |
| 1986 | $829 | -17.1% |
| 1987 | $717 | -13.5% |
| 1988 | $948 | +32.2% |
| 1989 | $998 | +5.3% |
| 1990 | $817 | -18.2% |
| 1991 | $1,553 | +90.1% |
| 1992 | $2,490 | +60.4% |
| 1993 | $2,699 | +8.4% |
| 1994 | $3,323 | +23.1% |
| 1995 | $3,845 | +15.7% |
| 1996 | $5,324 | +38.4% |
| 1997 | $10,287 | +93.2% |
| 1998 | $8,217 | -20.1% |
| 1999 | $6,400 | -22.1% |
| 2000 | $9,457 | +47.7% |
| 2001 | $14,383 | +52.1% |
| 2002 | $16,835 | +17.0% |
| 2003 | $26,864 | +59.6% |
| 2004 | $28,616 | +6.5% |
| 2005 | $28,136 | -1.7% |
| 2006 | $28,261 | +0.4% |
| 2007 | $11,153 | -60.5% |
| 2008 | $2,644 | -76.3% |
| 2009 | $896 | -66.1% |
| 2010 | $162 | -82.0% |
| 2011 | $165 | +2.3% |
| 2012 | $436 | +163.3% |
| 2013 | $1,494 | +242.8% |
| 2014 | $1,648 | +10.3% |
| 2015 | $1,960 | +18.9% |
| 2016 | $2,854 | +45.6% |
| 2017 | $2,996 | +5.0% |
| 2018 | $2,891 | -3.5% |
| 2019 | $3,220 | +11.4% |
| 2020 | $2,760 | -14.3% |
| 2021 | $3,707 | +34.3% |
| 2022 | $3,868 | +4.3% |
| 2023 | $4,410 | +14.0% |
| 2024 | $6,107 | +38.5% |
| 2025 | $5,895 | -3.5% |
| 2026 | $6,854 | +16.3% |
Best and worst month-end to buy
The best single month-end close to have bought IBCP was 2010-11 ($0.81): $1,000 then is $45,901 today. The worst was 2005-07 ($163): $1,000 then is $227.
FAQ
What would $1,000 in IBCP be worth today?
A $1,000 investment in Independent Bank Corporation (IBCP) at the start of 1985 would be worth about $10,408 today, a total return of +940.8%. Dividends are reinvested in these figures.
What were the best and worst years for IBCP?
Independent Bank Corporation (IBCP)'s strongest calendar year since 1985 was 2013, a +242.8% return — $1,000 held through that year became about $3,428 by year-end. Its weakest year was 2010, at -82.0%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in IBCP have grown?
Investing $100 at the end of every month since 1985-09 would have grown to about $212,788 on $49,200 invested.
Did IBCP beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $42,333. IBCP trailed the S&P 500 by +75.4% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
Independent Bank Corporation (IBCP) historical total-return data from 1985-09 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.