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Isabella Bank (ISBA)
NASDAQ:ISBA
US Market

Isabella Bank (ISBA) Stock Statistics & Valuation Metrics

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Total Valuation

Isabella Bank has a market cap or net worth of $325.02M. The enterprise value is $444.60M.
Market Cap$325.02M
Enterprise Value$444.60M

Share Statistics

Isabella Bank has 7,335,096 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding7,335,096
Owned by Insiders2.87%
Owned by Institutions0.29%

Financial Efficiency

Isabella Bank’s return on equity (ROE) is 0.08 and return on invested capital (ROIC) is -3.27%.
Return on Equity (ROE)0.08
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)-3.27%
Return on Capital Employed (ROCE)0.02
Revenue Per Employee304.35K
Profits Per Employee51.39K
Employee Count368
Asset Turnover0.05
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Isabella Bank is 19.5. Isabella Bank’s PEG ratio is 0.52.
PE Ratio19.5
PS Ratio3.29
PB Ratio1.59
Price to Fair Value1.59
Price to FCF0.00
Price to Operating Cash Flow21.39
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
EBITDA22.13M
Earnings Per Share (EPS)2.56

Cash Flow

In the last 12 months, operating cash flow was 15.29M and capital expenditures -2.60M, giving a free cash flow of 12.69M billion.
Operating Cash Flow15.29M
Free Cash Flow12.69M
Free Cash Flow per Share1.73

Dividends & Yields

Isabella Bank pays an annual dividend of $0.28, resulting in a dividend yield of 2.13%
Dividend Per Share$0.28
Dividend Yield2.13%
Payout Ratio47.66%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.14
52-Week Price Change97.55%
50-Day Moving Average49.64
200-Day Moving Average39.18
Relative Strength Index (RSI)34.59
Average Volume (3m)9.01K

Important Dates

Isabella Bank upcoming earnings date is Apr 16, 2026, After Close (Confirmed).
Last Earnings DateFeb 5, 2026
Next Earnings DateApr 16, 2026
Ex-Dividend Date

Financial Position

Isabella Bank as a current ratio of 0.43, with Debt / Equity ratio of 61.59%
Current Ratio0.43
Quick Ratio0.43
Debt to Market Cap0.39
Net Debt to EBITDA5.40
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 22.07, with an EV/FCF ratio of 0.00.
EV to Sales4.36
EV to EBITDA22.07
EV to Free Cash Flow0.00
EV to Operating Cash Flow0.00

Balance Sheet

Isabella Bank has $520.73M in cash and marketable securities with $142.51M in debt, giving a net cash position of $378.21M billion.
Cash & Marketable Securities$520.73M
Total Debt$142.51M
Net Cash$378.21M
Net Cash Per Share$51.56
Tangible Book Value Per Share$18.27

Margins

Gross margin is 70.60%, with operating margin of 19.76%, and net profit margin of 16.88%.
Gross Margin70.60%
Operating Margin19.76%
Pretax Margin21.54%
Net Profit Margin16.88%
EBITDA Margin19.76%
EBIT Margin19.76%

Analyst Forecast

The average price target for Isabella Bank is $54.00, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$54.00
Price Target Upside21.62% Upside
Analyst ConsensusHold
Analyst Count1
Revenue Growth Forecast7.29%
EPS Growth Forecast33.75%

Scores

Smart Score7
AI Score