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$24.68 - $58.83
Previous CloseN/A
Volume2.44K
Average Volume (3M)9.01K
Market Cap
$315.59M
Enterprise Value$408.56M
Total Cash (Recent Filing)$50.10M
Total Debt (Recent Filing)$143.07M
Price to Earnings (P/E)16.8
Beta0.08
Next Earnings
Jul 17, 2026EPS Estimate
0.92Next Dividend Ex-DateN/A
Dividend Yield2.13%
Share Statistics
EPS (TTM)2.71
Shares Outstanding7,332,561
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 Cap1.29
Enterprise Value/Revenue3.53
Enterprise Value/Gross Profit4.94
Enterprise Value/Ebitda17.99
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 multi-year revenue growth (TTM +3.4%) reflects persistent demand across lending and deposit services and steady fee income. For a community/regional bank, this durable top-line expansion supports scale in operations, underwriting capacity, and reinvestment in digital and branch distribution over the medium term.
Healthy Cash GenerationFree cash flow converting roughly 90% of net income indicates earnings are translating into real cash available for dividends, loan book support, and capital needs. This level of cash conversion provides durable internal funding capacity and cushions the franchise against episodic credit or funding stress.
Capital Return And Governance ContinuityA sustained cash dividend and recent shareholder approvals (directors, auditor, ESPP) point to stable governance and explicit capital-return discipline. This continuity supports investor confidence and signals management prioritizes steady payouts and oversight rather than volatile capital allocation choices.
Bears Say
Below-par Return On EquityA TTM ROE of ~8.7% is materially below prior-cycle peaks, indicating the bank generates less profit per dollar of equity. Persistently lower ROE constrains organic capital formation, reduces shareholder return potential, and could limit room for reinvestment or growth without dilutive capital actions.
Margin Compression Versus Prior PeaksMeaningful margin step-down from earlier peaks suggests a less favorable net interest margin and/or higher operating cost pressure. For a bank, sustained margin compression reduces earnings power, making it harder to restore profitability absent structural improvements in funding mix or loan yields.
Modest Rise In LeverageA higher debt-to-equity ratio versus recent years indicates modestly increased leverage on the balance sheet. While still moderate for a regional bank, this trend reduces capital cushion and financial flexibility over time, potentially raising sensitivity to funding cost shifts or credit deterioration.
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 $315.59M.
When is Isabella Bank’s upcoming earnings report date?
Isabella Bank’s upcoming earnings report date is Jul 17, 2026 which is in 51 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 7,332,561 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
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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 $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
8.74%
Trailing 12-Months
Asset Growth
7.10%
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
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Ownership Overview
2.46% Insiders
4.82% Mutual Funds
0.42% Other Institutional Investors
88.25% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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