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Isabella Bank (ISBA)
NASDAQ:ISBA
US Market
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Isabella Bank (ISBA) Stock Statistics & Valuation Metrics

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Total Valuation

Isabella Bank has a market cap or net worth of $232.13M. The enterprise value is $261.48M.
Market Cap$232.13M
Enterprise Value$261.48M

Share Statistics

Isabella Bank has 7,359,911 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding7,359,911
Owned by Insiders4.71%
Owned by Institutions0.11%

Financial Efficiency

Isabella Bank’s return on equity (ROE) is 0.07 and return on invested capital (ROIC) is 4.09%.
Return on Equity (ROE)0.07
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)4.09%
Return on Capital Employed (ROCE)0.06
Revenue Per Employee276.39K
Profits Per Employee37.74K
Employee Count368
Asset Turnover0.05
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Isabella Bank is 14.4. Isabella Bank’s PEG ratio is -0.60.
PE Ratio14.4
PS Ratio1.90
PB Ratio0.92
Price to Fair Value0.92
Price to FCF11.05
Price to Operating Cash Flow11.59
PEG Ratio-0.60

Income Statement

In the last 12 months, Isabella Bank had revenue of 101.71M and earned 13.89M in profits. Earnings per share was 1.86.
Revenue101.71M
Gross Profit65.69M
Operating Income16.40M
Pretax Income16.40M
Net Income13.89M
EBITDA18.48M
Earnings Per Share (EPS)1.86

Cash Flow

In the last 12 months, operating cash flow was 20.91M and capital expenditures -2.27M, giving a free cash flow of 18.63M billion.
Operating Cash Flow20.91M
Free Cash Flow18.63M
Free Cash Flow per Share2.53

Dividends & Yields

Isabella Bank pays an annual dividend of $0.28, resulting in a dividend yield of 3.45%
Dividend Per Share$0.28
Dividend Yield3.45%
Payout Ratio53.85%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.16
52-Week Price Change77.64%
50-Day Moving Average32.16
200-Day Moving Average26.60
Relative Strength Index (RSI)52.89
Average Volume (3m)7.61K

Important Dates

Isabella Bank upcoming earnings date is Oct 16, 2025, After Close (Confirmed).
Last Earnings DateJul 24, 2025
Next Earnings DateOct 16, 2025
Ex-Dividend DateJun 26, 2025

Financial Position

Isabella Bank as a current ratio of 0.14, with Debt / Equity ratio of 19.60%
Current Ratio0.14
Quick Ratio0.14
Debt to Market Cap0.58
Net Debt to EBITDA4.79
Interest Coverage Ratio0.48

Taxes

In the past 12 months, Isabella Bank has paid 2.51M in taxes.
Income Tax2.51M
Effective Tax Rate0.15

Enterprise Valuation

Isabella Bank EV to EBITDA ratio is 15.27, with an EV/FCF ratio of 16.10.
EV to Sales2.77
EV to EBITDA15.27
EV to Free Cash Flow16.10
EV to Operating Cash Flow14.37

Balance Sheet

Isabella Bank has $582.22M in cash and marketable securities with $76.76M in debt, giving a net cash position of -$505.46M billion.
Cash & Marketable Securities$582.22M
Total Debt$76.76M
Net Cash-$505.46M
Net Cash Per Share-$68.68
Tangible Book Value Per Share$21.73

Margins

Gross margin is 50.48%, with operating margin of 16.12%, and net profit margin of 13.66%.
Gross Margin50.48%
Operating Margin16.12%
Pretax Margin16.12%
Net Profit Margin13.66%
EBITDA Margin18.17%
EBIT Margin16.12%

Analyst Forecast

The average price target for Isabella Bank is $34.00, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$34.00
Price Target Upside4.65% Upside
Analyst ConsensusHold
Analyst Count1
Revenue Growth Forecast8.16%
EPS Growth Forecast10.10%

Scores

Smart Score6
AI Score76
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