Isabella Bank (ISBA)
NASDAQ:ISBA
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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$28.49 - $58.83
Previous CloseN/A
Volume2.44K
Average Volume (3M)9.01K
Market Cap
$292.86M
Enterprise Value$386.12M
Total Cash (Recent Filing)$50.10M
Total Debt (Recent Filing)$143.07M
Price to Earnings (P/E)14.7
Beta0.06
Next Earnings
Jul 17, 2026EPS Estimate
0.92Next Dividend Ex-DateN/A
Dividend Yield2.13%
Share Statistics
EPS (TTM)2.71
Shares Outstanding7,321,392
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 Cap1.32
Enterprise Value/Revenue3.33
Enterprise Value/Gross Profit4.67
Enterprise Value/Ebitda15.19
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
Steady Revenue GrowthConsistent top-line growth over multiple years indicates durable customer demand and successful community banking franchise execution. A steady revenue base supports loan growth, fee income expansion and underpins the bank’s ability to absorb cyclical shocks while funding strategic initiatives over the next 2–6 months.
Strong Cash ConversionHigh cash conversion shows earnings translate into real cash available for dividends, capital needs and loan growth. Even with modest free cash flow growth pressure, the ability to convert nearly all reported income into cash enhances financial flexibility and supports sustainable capital returns and reinvestment.
Strategic Acquisition Expands FootprintThe Grand River Commerce merger materially increases scale and market reach into Kent County and Grand Rapids, broadening deposit and lending markets and enabling cross-sell of wealth management services. Greater scale can improve funding diversity and long-term revenue opportunities post-integration.
Bears Say
Compressed Margins & ROEMargins and return on equity remain meaningfully below recent peaks, reflecting a less favorable rate/cost environment. Persistent margin compression reduces internal capital generation, limits room for dividend or reinvestment expansion and increases sensitivity to funding cost volatility over the medium term.
Higher Leverage Than Prior YearsA modest uptick in leverage tightens the bank’s balance-sheet cushion and could raise regulatory or funding sensitivity. Higher leverage can constrain capital deployment choices, increase interest expense risk if funding costs rise, and limit flexibility for organic growth or future acquisitions.
ATM Program Dilution RiskThe $30M ATM gives flexible capital access but creates ongoing dilution risk and potential EPS/book value pressure if utilized. Relying on share issuance to fund expansion or integration could dilute existing shareholders and complicate capital planning during the merger and subsequent quarters.
Isabella Bank News
ISBA FAQ
What was Isabella Bank’s price range in the past 12 months?
Isabella Bank lowest stock price was $28.48 and its highest was $58.83 in the past 12 months.
What is Isabella Bank’s market cap?
Isabella Bank’s market cap is $292.86M.
When is Isabella Bank’s upcoming earnings report date?
Isabella Bank’s upcoming earnings report date is Jul 17, 2026 which is in 28 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 7,321,392 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
Underperform
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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 ―
Sector Average ―
Insider Transactions
Bought Shares
Worth $1.1K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
81.22%
12-Months-Change
Fundamentals
Return on Equity
8.74%
Trailing 12-Months
Asset Growth
7.10%
Trailing 12-Months
Company Description
Isabella Bank
Isabella Bank Corporation serves as the parent company for Isabella Bank, providing a comprehensive suite of banking products and financial services. Its diverse clientele includes businesses, institutions, private individuals, and families. The bank facilitates savings through various deposit options, such as checking and savings accounts, certificates of deposit (CDs), direct deposit services, and money market accounts. Its lending solutions are extensive, comprising commercial, agricultural, and residential real estate loans, alongside consumer credit offerings, including both secured and unsecured personal loans. Beyond core banking, Isabella Bank Corporation offers a range of additional amenities. These include cash management tools, mobile and internet banking platforms, electronic bill payment, automated teller machines (ATMs), specialized trust and investment advisory, estate planning assistance, and safe deposit box rentals. The corporation also extends its services to include group life, health, accident, and disability insurance products, as well as various other employee benefit programs. As of December 31, 2021, the company maintained 30 branch locations situated in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. With a heritage dating back to its founding in 1903, Isabella Bank Corporation is headquartered in Mount Pleasant, Michigan.
ISBA Stock 12 Month Forecast
Average Price Target
$47.00
▲(2.73% Upside)
Technical Analysis
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Ownership Overview
2.37% Insiders
4.97% Mutual Funds
0.42% Other Institutional Investors
88.09% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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