Isabella Bank (ISBA)
NASDAQ:ISBA
Want to see ISBA full AI Analyst Report?
Top Page
Isabella Bank
(NASDAQ:ISBA)
Select Model
Select Model
Rating:68Neutral
Price Target:
$46.00
▲(0.55% Upside)
Action:Reiterated
Date:06/16/26
The score is primarily supported by steady financial performance (growth, solid margins, and good cash conversion) and positive corporate developments (acquisition-led expansion and continued dividends). Offsetting this is a mixed technical setup (below key longer-term moving averages with slightly negative MACD) and valuation that looks fair rather than deeply discounted.
Positive Factors
Cash generation quality
Free cash flow that covers ~90% of net income indicates the company reliably converts earnings into cash. That durable cash conversion supports sustained dividends, funds organic growth and acquisitions without immediate external financing, and provides a buffer against credit or rate shocks.
Negative Factors
Weakened return on equity
A TTM ROE near 8.7% signals reduced balance-sheet productivity versus prior years. Persistently lower returns constrain the bank's ability to self-fund growth and dividend increases, and may indicate structural margin pressure or a larger capital base diluting equity efficiency.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation quality
Free cash flow that covers ~90% of net income indicates the company reliably converts earnings into cash. That durable cash conversion supports sustained dividends, funds organic growth and acquisitions without immediate external financing, and provides a buffer against credit or rate shocks.
Read all positive factors
Isabella Bank (ISBA) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$308.33M
Dividend Yield2.13%
Average Volume (3M)9.01K
Price to Earnings (P/E)15.2
Beta (1Y)0.06
Revenue Growth8.94%
EPS Growth37.42%
CountryUS
Employees368
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
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 Cap1.27
Enterprise Value/Revenue3.38
Enterprise Value/Gross Profit4.74
Enterprise Value/Ebitda16.84
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 serves as the parent company for Isabella Bank, providing a comprehensive suite of banking products and financial services. Its diverse clientele includes businesses, institutions, private individuals, and families. The b...
How the Company Makes Money
ISBA primarily makes money through its banking subsidiary by (1) generating net interest income—the spread between interest earned on interest-earning assets (such as commercial, consumer, and real estate loans and, where applicable, investment se...
Isabella Bank Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
67
Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 115.82M | 112.00M | 101.71M | 90.76M | 76.55M | 71.28M |
| Gross Profit | 82.64M | 79.07M | 65.69M | 68.45M | 70.75M | 64.38M |
| EBITDA | 23.28M | 22.13M | 18.48M | 23.81M | 28.91M | 26.29M |
| Net Income | 19.95M | 18.91M | 13.89M | 18.17M | 22.24M | 19.50M |
Balance Sheet | ||||||
| Total Assets | 2.25B | 2.21B | 2.09B | 2.06B | 2.03B | 2.03B |
| Cash, Cash Equivalents and Short-Term Investments | 50.10M | 226.85M | 253.03M | 561.82M | 619.40M | 595.93M |
| Total Debt | 143.07M | 142.51M | 112.99M | 116.14M | 87.02M | 99.32M |
| Total Liabilities | 2.02B | 1.98B | 1.88B | 1.86B | 1.84B | 1.82B |
| Stockholders Equity | 233.96M | 231.40M | 210.28M | 202.40M | 186.21M | 211.05M |
Cash Flow | ||||||
| Free Cash Flow | 22.86M | 23.34M | 17.53M | 20.12M | 23.73M | 23.91M |
| Operating Cash Flow | 25.89M | 26.82M | 19.64M | 24.18M | 26.94M | 25.50M |
| Investing Cash Flow | -162.40M | -115.88M | -37.87M | -26.25M | -106.20M | -229.63M |
| Financing Cash Flow | 117.43M | 90.56M | 9.10M | -3.19M | 12.91M | 62.82M |
Isabella Bank Technical Analysis
Negative
45.75
Price Trends
43.21
Negative
45.57
Negative
43.17
Negative
Market Momentum
-0.18
Negative
46.69
Neutral
64.13
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 above the 20-day moving average (MA) of 41.89, above the 50-day MA of 43.21, and above the 200-day MA of 43.17, indicating a bearish trend. The MACD of -0.18 indicates Negative momentum. The RSI at 46.69 is Neutral, neither overbought nor oversold. The STOCH value of 64.13 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 45 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $334.02M | 10.73 | 11.67% | 2.91% | 6.73% | 20.50% | |
76 Outperform | $327.92M | 12.74 | 10.66% | ― | 4.33% | -5.10% | |
72 Outperform | $349.46M | 18.61 | 7.33% | 2.40% | -5.59% | -20.56% | |
68 Neutral | $308.33M | 15.24 | 8.74% | 2.13% | 8.94% | 37.42% | |
66 Neutral | $389.91M | 8.21 | 11.47% | 3.06% | 9.62% | 1059.18% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
ISBA
Isabella Bank
41.43
7.39
21.72%
FRST
Primis Financial
15.35
5.98
63.82%
TSBK
Timberland Bancorp
42.09
12.96
44.51%
CHMG
Chemung Financial
70.50
25.13
55.38%
COSO
CoastalSouth Bancshares
26.80
6.74
33.61%
Isabella Bank Corporate Events
M&A TransactionsRegulatory Filings and Compliance
Isabella Bank to Acquire Grand River Commerce in Merger
Positive
Jun 15, 2026
On June 11, 2026, Isabella Bank Corporation and Grand River Commerce entered into a definitive merger agreement under which Isabella will acquire Grand River in a multi-step transaction that also combines their bank subsidiaries. Grand River share...
Business Operations and StrategyM&A Transactions
Isabella Bank to Merge with Grand River Commerce
Positive
Jun 12, 2026
Isabella Bank Corporation and Grand River Commerce, Inc., two Michigan-based community bank holding companies, announced on June 12, 2026, that they entered into a merger agreement valuing Grand River at about $54.6 million in a cash-and-stock dea...
Dividends
Isabella Bank Declares Second-Quarter 2026 Cash Dividend
Positive
May 28, 2026
On May 28, 2026, Isabella Bank Corporation announced that its board had declared a second-quarter cash dividend of $0.28 per common share at a regular meeting held on May 26, 2026. The dividend is scheduled to be paid on June 30, 2026, to sharehol...
Executive/Board ChangesShareholder Meetings
Isabella Bank Shareholders Approve Directors and Governance Measures
Positive
May 7, 2026
At its May 5, 2026, annual meeting of shareholders, Isabella Bank Corporation elected Brian B. Tessin to serve as a director until the 2027 annual meeting, and Dr. Jeffrey J. Barnes, David B. Behen, Melinda M. Coffin, and Vicki L. Rupp to serve as...
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...
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.