Isabella Bank (ISBA)
NASDAQ:ISBA
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Isabella Bank
(NASDAQ:ISBA)
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Rating:57Neutral
Price Target:
$51.00
▲(11.48% Upside)
Action:ReiteratedDate:03/14/26
The score is primarily driven by mixed fundamentals—good revenue/profitability but pronounced cash-flow weakening and some leverage uptick—combined with bearish technicals (below key moving averages and negative MACD). Valuation and dividend provide some support, and recent corporate events are modestly positive.
Positive Factors
Revenue Growth Trend
Isabella Bank shows a multi-year revenue growth trend with a clear re-acceleration in 2025. That durable top-line momentum suggests recovering loan demand or fee growth, underpinning sustainable net interest and noninterest income generation over the next 2–6 months.
Negative Factors
Weakened Cash Generation
A sharp drop in operating and free cash flow reduces internal funding capacity and increases earnings volatility risk. Persistently weaker cash conversion can constrain loan growth, capex, and dividend sustainability, and makes the bank more reliant on external funding in adverse cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Trend
Isabella Bank shows a multi-year revenue growth trend with a clear re-acceleration in 2025. That durable top-line momentum suggests recovering loan demand or fee growth, underpinning sustainable net interest and noninterest income generation over the next 2–6 months.
Read all positive factors
Isabella Bank (ISBA) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$296.47M
Dividend Yield2.13%
Average Volume (3M)9.01K
Price to Earnings (P/E)16.8
Beta (1Y)0.06
Revenue Growth8.94%
EPS Growth37.35%
CountryUS
Employees368
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.56
Shares Outstanding7,332,900
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 Cap1.31
Enterprise Value/Revenue3.48
Enterprise Value/Gross Profit4.92
Enterprise Value/Ebitda17.59
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
Isabella Bank Business Overview & Revenue Model
Company Description
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, s...
How the Company Makes Money
Isabella Bank’s earnings are primarily driven by (1) net interest income and (2) noninterest income. Net interest income is generated by earning interest on loans and investment securities and paying interest on funding sources such as customer de...
Isabella Bank Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
66
Positive
Cash Flow
38
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 112.00M | 101.71M | 90.76M | 76.55M | 71.28M |
| Gross Profit | 79.07M | 65.69M | 68.45M | 70.75M | 64.38M |
| EBITDA | 22.13M | 18.48M | 23.81M | 28.91M | 26.29M |
| Net Income | 18.91M | 13.89M | 18.17M | 22.24M | 19.50M |
Balance Sheet | |||||
| Total Assets | 2.21B | 2.09B | 2.06B | 2.03B | 2.03B |
| Cash, Cash Equivalents and Short-Term Investments | 226.85M | 253.03M | 561.82M | 619.40M | 595.93M |
| Total Debt | 142.51M | 112.99M | 116.14M | 87.02M | 99.32M |
| Total Liabilities | 1.98B | 1.88B | 1.86B | 1.84B | 1.82B |
| Stockholders Equity | 231.40M | 210.28M | 202.40M | 186.21M | 211.05M |
Cash Flow | |||||
| Free Cash Flow | 23.34M | 17.53M | 20.12M | 23.73M | 23.91M |
| Operating Cash Flow | 26.82M | 19.64M | 24.18M | 26.94M | 25.50M |
| Investing Cash Flow | -115.88M | -37.87M | -26.25M | -106.20M | -229.63M |
| Financing Cash Flow | 90.56M | 9.10M | -3.19M | 12.91M | 62.82M |
Isabella Bank Technical Analysis
Negative
45.75
Price Trends
47.63
Negative
48.19
Negative
41.00
Positive
Market Momentum
0.49
Negative
45.09
Neutral
47.50
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ISBA, the sentiment is Negative. The current price of 45.75 is below the 20-day moving average (MA) of 46.74, below the 50-day MA of 47.63, and above the 200-day MA of 41.00, indicating a neutral trend. The MACD of 0.49 indicates Negative momentum. The RSI at 45.09 is Neutral, neither overbought nor oversold. The STOCH value of 47.50 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for ISBA.
Isabella Bank Risk Analysis
Isabella Bank disclosed 41 risk factors in its most recent earnings report. Isabella Bank reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Isabella Bank Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $317.42M | 10.89 | 11.67% | 2.91% | 6.74% | 20.50% | |
76 Outperform | $334.38M | 12.08 | 10.66% | ― | 4.33% | -5.02% | |
68 Neutral | $325.59M | 26.16 | 11.13% | 3.61% | 4.67% | 27.33% | |
67 Neutral | $358.95M | 11.20 | 11.47% | 3.06% | 9.62% | 1059.18% | |
58 Neutral | $316.81M | 7.06 | 7.33% | 2.40% | -5.59% | -20.05% | |
57 Neutral | $296.47M | 16.79 | 8.45% | 2.13% | 8.94% | 37.35% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
ISBA
Isabella Bank
40.43
14.67
56.97%
FRST
Primis Financial
14.49
5.89
68.45%
TSBK
Timberland Bancorp
40.26
10.47
35.16%
CHMG
Chemung Financial
65.75
20.71
45.97%
COSO
CoastalSouth Bancshares
25.53
5.78
29.23%
LNKB
LINKBANCORP
8.69
2.15
32.96%
Isabella Bank Corporate Events
Executive/Board Changes
Isabella Bank Announces Board Member Jae Evans Resignation
Neutral
Mar 25, 2026
Isabella Bank Corporation, a regional banking institution operating through its subsidiary Isabella Bank, offers a range of standard financial services under the oversight of its corporate and bank boards of directors. On March 23, 2026, Jae A. Ev...
Dividends
Isabella Bank Declares First-Quarter Cash Dividend for 2026
Positive
Feb 26, 2026
On February 26, 2026, Isabella Bank Corporation announced that its board had declared a first-quarter cash dividend of $0.28 per common share, approved at a regular meeting held on February 25, 2026. The dividend is scheduled to be paid on March 3...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.