Isabella Bank Corporation (ISBA)

Isabella Bank Statistics

Total Valuation

Isabella Bank has a market cap or net worth of $340.34 million. The enterprise value is $456.81 million.

Market Cap	340.34M
Enterprise Value	456.81M

Important Dates

The last earnings date was Thursday, February 5, 2026, after market close.

Earnings Date	Feb 5, 2026
Ex-Dividend Date	Mar 27, 2026

Share Statistics

Isabella Bank has 7.32 million shares outstanding. The number of shares has decreased by -1.28% in one year.

Current Share Class	7.32M
Shares Outstanding	7.32M
Shares Change (YoY)	-1.28%
Shares Change (QoQ)	-0.35%
Owned by Insiders (%)	8.42%
Owned by Institutions (%)	10.56%
Float	6.71M

Valuation Ratios

The trailing PE ratio is 18.16 and the forward PE ratio is 12.91.

PE Ratio	18.16
Forward PE	12.91
PS Ratio	4.54
Forward PS	0.12
PB Ratio	1.47
P/TBV Ratio	1.86
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	24.16
EV / Sales	6.09
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.56%.

Return on Equity (ROE)	8.56%
Return on Assets (ROA)	0.88%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	3.49%
Revenue Per Employee	$203,899
Profits Per Employee	$51,386
Employee Count	368
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Isabella Bank has paid $5.21 million in taxes.

Income Tax	5.21M
Effective Tax Rate	21.61%

Stock Price Statistics

The stock price has increased by +86.22% in the last 52 weeks. The beta is 0.13, so Isabella Bank's price volatility has been lower than the market average.

Beta (5Y)	0.13
52-Week Price Change	+86.22%
50-Day Moving Average	50.57
200-Day Moving Average	38.88
Relative Strength Index (RSI)	37.20
Average Volume (20 Days)	25,793

Short Selling Information

The latest short interest is 133,502, so 1.82% of the outstanding shares have been sold short.

Short Interest	133,502
Short Previous Month	87,059
Short % of Shares Out	1.82%
Short % of Float	1.99%
Short Ratio (days to cover)	4.89

Income Statement

In the last 12 months, Isabella Bank had revenue of $75.04 million and earned $18.91 million in profits. Earnings per share was $2.56.

Revenue	75.04M
Gross Profit	75.04M
Operating Income	25.30M
Pretax Income	24.12M
Net Income	18.91M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.56

Balance Sheet

The company has $26.04 million in cash and $142.51 million in debt, with a net cash position of -$116.47 million or -$15.91 per share.

Cash & Cash Equivalents	26.04M
Total Debt	142.51M
Net Cash	-116.47M
Net Cash Per Share	-$15.91
Equity (Book Value)	231.40M
Book Value Per Share	31.60
Working Capital	-1.86B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	33.72%
Pretax Margin	32.15%
Profit Margin	25.20%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.12, which amounts to a dividend yield of 2.31%.

Dividend Per Share	$1.12
Dividend Yield	2.31%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	43.75%
Buyback Yield	1.28%
Shareholder Yield	3.69%
Earnings Yield	5.56%
FCF Yield	n/a

Analyst Forecast

The average price target for Isabella Bank is $54.00, which is 16.18% higher than the current price. The consensus rating is "Hold".

Price Target	$54.00
Price Target Difference	16.18%
Analyst Consensus	Hold
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on March 11, 2008. It was a forward split with a ratio of 1.1:1.

Last Split Date	Mar 11, 2008
Split Type	Forward
Split Ratio	1.1:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2