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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 $291.18M. The enterprise value is $393.62.
Market Cap$291.18M
Enterprise Value$393.62

Share Statistics

Isabella Bank has 7,332,561 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding7,332,561
Owned by Insiders2.37%
Owned by Institutions0.19%

Financial Efficiency

Isabella Bank’s return on equity (ROE) is 0.08 and return on invested capital (ROIC) is 4.45%.
Return on Equity (ROE)0.08
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)4.45%
Return on Capital Employed (ROCE)0.07
Revenue Per Employee309.40K
Profits Per Employee52.24K
Employee Count362
Asset Turnover0.05
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Isabella Bank is 14.6. Isabella Bank’s PEG ratio is 0.52.
PE Ratio14.6
PS Ratio3.29
PB Ratio1.59
Price to Fair Value1.59
Price to FCF15.81
Price to Operating Cash Flow16.36
PEG Ratio0.52

Income Statement

In the last 12 months, Isabella Bank had revenue of 112.00M and earned 18.91M in profits. Earnings per share was 2.56.
Revenue112.00M
Gross Profit79.07M
Operating Income22.13M
Pretax Income24.12M
Net Income18.91M
EBITDA22.28M
Earnings Per Share (EPS)2.56

Cash Flow

In the last 12 months, operating cash flow was 18.05M and capital expenditures -2.43M, giving a free cash flow of 15.62M billion.
Operating Cash Flow18.05M
Free Cash Flow15.62M
Free Cash Flow per Share2.13

Dividends & Yields

Isabella Bank pays an annual dividend of $0.28, resulting in a dividend yield of 2.82%
Dividend Per Share$0.28
Dividend Yield2.82%
Payout Ratio41.18%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.08
52-Week Price Change30.09%
50-Day Moving Average40.31
200-Day Moving Average43.87
Relative Strength Index (RSI)52.73
Average Volume (3m)9.01K

Important Dates

Isabella Bank upcoming earnings date is Oct 15, 2026, After Close (Confirmed).
Last Earnings DateJul 23, 2026
Next Earnings DateOct 15, 2026
Ex-Dividend Date

Financial Position

Isabella Bank as a current ratio of 0.12, with Debt / Equity ratio of 58.53%
Current Ratio0.12
Quick Ratio0.12
Debt to Market Cap0.39
Net Debt to EBITDA5.23
Interest Coverage Ratio0.66

Taxes

In the past 12 months, Isabella Bank has paid 5.21M in taxes.
Income Tax5.21M
Effective Tax Rate0.22

Enterprise Valuation

Isabella Bank EV to EBITDA ratio is 21.79, with an EV/FCF ratio of 20.80.
EV to Sales4.33
EV to EBITDA21.79
EV to Free Cash Flow20.80
EV to Operating Cash Flow18.10

Balance Sheet

Isabella Bank has $481.06M in cash and marketable securities with $145.57M in debt, giving a net cash position of $335.49M billion.
Cash & Marketable Securities$481.06M
Total Debt$145.57M
Net Cash$335.49M
Net Cash Per Share$45.75
Tangible Book Value Per Share$24.81

Margins

Gross margin is 67.66%, with operating margin of 19.76%, and net profit margin of 16.88%.
Gross Margin67.66%
Operating Margin19.76%
Pretax Margin21.54%
Net Profit Margin16.88%
EBITDA Margin19.89%
EBIT Margin19.76%

Analyst Forecast

The average price target for Isabella Bank is $43.00, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$43.00
Price Target Upside16.82% Upside
Analyst ConsensusHold
Analyst Count1
Revenue Growth Forecast11.11%
EPS Growth Forecast24.27%

Scores

Smart Score4
AI Score