Isabella Bank (ISBA)
NASDAQ:ISBA
Want to see ISBA full AI Analyst Report?
ISBA Stock Chart & Stats
$45.75
-$0.10(-0.39%)
At close: 4:00 PM EST
$45.75
-$0.10(-0.39%)
Day’s Range― - ―
52-Week Range$24.68 - $58.83
Previous CloseN/A
Volume2.44K
Average Volume (3M)9.01K
Market Cap
$296.47M
Enterprise Value$399.40M
Total Cash (Recent Filing)$226.85M
Total Debt (Recent Filing)$142.51M
Price to Earnings (P/E)16.8
Beta0.06
Next Earnings
Jul 17, 2026EPS Estimate
0.92Next Dividend Ex-DateN/A
Dividend Yield2.13%
Share Statistics
EPS (TTM)2.56
Shares Outstanding7,332,900
10 Day Avg. Volume12,811
30 Day Avg. Volume9,008
Financial Highlights & Ratios
PEG Ratio0.52
Price to Book (P/B)1.59
Price to Sales (P/S)3.29
P/FCF Ratio15.81
Enterprise Value/Market Cap1.35
Enterprise Value/Revenue3.57
Enterprise Value/Gross Profit5.05
Enterprise Value/Ebitda18.04
Forecast
1Y Price Target
$47.00Price Target Upside2.73% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)3.6
Revenue Forecast (FY)$92.50M
Bulls Say, Bears Say
Bulls Say
Revenue Growth TrendIsabella Bank shows a multi-year revenue growth trend with a clear re-acceleration in 2025. That durable top-line momentum suggests recovering loan demand or fee growth, underpinning sustainable net interest and noninterest income generation over the next 2–6 months.
Capitalization & ProfitabilityRising equity and improved return on equity indicate stronger capital buffers and more efficient use of capital. This enhances loss absorption capacity, supports regulatory ratios, and enables continued lending and dividend distributions without immediate reliance on external capital.
Shareholder Returns & LeadershipA regular cash dividend and an experienced CFO signal disciplined capital allocation and stronger financial stewardship. Over time, disciplined payouts and improved financial leadership support stakeholder confidence and better execution of funding, treasury, and margin management.
Bears Say
Weakened Cash GenerationA sharp drop in operating and free cash flow reduces internal funding capacity and increases earnings volatility risk. Persistently weaker cash conversion can constrain loan growth, capex, and dividend sustainability, and makes the bank more reliant on external funding in adverse cycles.
Rising LeverageAn uptick in leverage and meaningful debt growth diminishes financial flexibility and raises sensitivity to funding costs. Over the medium term this elevates interest expense and stress on capital ratios, limiting the bank’s ability to absorb credit shocks or expand prudently without raising new equity.
Potential Equity DilutionA sizable mixed securities shelf provides issuance flexibility but signals potential near-term need for capital. Execution could dilute existing shareholders or shift capital structure. Reliance on equity raises long-term cost of capital and may pressure per-share metrics if used to plug cash or leverage gaps.
Isabella Bank News
ISBA FAQ
What was Isabella Bank’s price range in the past 12 months?
Isabella Bank lowest stock price was $24.68 and its highest was $58.83 in the past 12 months.
What is Isabella Bank’s market cap?
Isabella Bank’s market cap is $296.47M.
When is Isabella Bank’s upcoming earnings report date?
Isabella Bank’s upcoming earnings report date is Jul 17, 2026 which is in 72 days.
How were Isabella Bank’s earnings last quarter?
Isabella Bank released its earnings results on Apr 23, 2026. The company reported $0.68 earnings per share for the quarter, missing the consensus estimate of $0.78 by -$0.1.
Is Isabella Bank overvalued?
According to Wall Street analysts Isabella Bank’s price is currently Undervalued.
Does Isabella Bank pay dividends?
Isabella Bank pays a Quarterly dividend of $0.28 which represents an annual dividend yield of 2.13%. See more information on Isabella Bank dividends here
What is Isabella Bank’s EPS estimate?
Isabella Bank’s EPS estimate is 0.92.
How many shares outstanding does Isabella Bank have?
Isabella Bank has 7,332,900 shares outstanding.
What happened to Isabella Bank’s price movement after its last earnings report?
Isabella Bank reported an EPS of $0.68 in its last earnings report, missing expectations of $0.78. Following the earnings report the stock price went down -4.349%.
Which hedge fund is a major shareholder of Isabella Bank?
Currently, no hedge funds are holding shares in ISBA
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Isabella Bank Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$47.00 (2.73% Upside)
$47.00 (2.73% Upside)
Blogger Sentiment
Bullish
ISBA Sentiment 67%
Sector Average 68%
Sector Average 68%
Insider Transactions
Bought Shares
Worth $20.2K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
81.22%
12-Months-Change
Fundamentals
Return on Equity
8.45%
Trailing 12-Months
Asset Growth
5.90%
Trailing 12-Months
Company Description
Isabella Bank
Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides various banking products and services to businesses, institutions, and individuals and their families. Its deposit products include checking accounts, savings accounts, certificates of deposit, direct deposits, and money market accounts. The company's loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans, including secured and unsecured personal loans. It also offers cash management, mobile and internet banking, electronic bill pay, automated teller machines, trust and investment, estate planning, and safe deposit box rental services; and group life, health, accident, disability, and other insurance products, as well as other employee benefit programs. As of December 31, 2021, the company operated 30 banking offices in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. Isabella Bank Corporation was founded in 1903 and is headquartered in Mount Pleasant, Michigan.
ISBA Stock 12 Month Forecast
Average Price Target
$47.00
▲(2.73% Upside)
Technical Analysis
Primis Financial
―
Timberland Bancorp
―
Chemung Financial
―
CoastalSouth Bancshares
―
LINKBANCORP
―
Ownership Overview
2.71% Insiders
4.63% Mutual Funds
0.07% Other Institutional Investors
88.54% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---