Isabella Bank Statistics
Total Valuation
Isabella Bank has a market cap or net worth of $335.35 million. The enterprise value is $451.82 million.
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 7.33 million shares outstanding. The number of shares has decreased by -1.29% in one year.
| Current Share Class | 7.33M |
| Shares Outstanding | 7.33M |
| Shares Change (YoY) | -1.29% |
| Shares Change (QoQ) | -0.35% |
| Owned by Insiders (%) | 8.45% |
| Owned by Institutions (%) | 10.56% |
| Float | 6.71M |
Valuation Ratios
The trailing PE ratio is 17.87 and the forward PE ratio is 12.71.
| PE Ratio | 17.87 |
| Forward PE | 12.71 |
| PS Ratio | 4.24 |
| Forward PS | 0.11 |
| PB Ratio | 1.45 |
| P/TBV Ratio | 1.83 |
| P/FCF Ratio | 14.37 |
| P/OCF Ratio | 12.51 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 23.89 |
| EV / Sales | 5.71 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 19.36 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 6.11 |
| 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) | 3.47% |
| Revenue Per Employee | $208,636 |
| Profits Per Employee | $49,894 |
| Employee Count | 379 |
| 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 +93.86% 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 | +93.86% |
| 50-Day Moving Average | 48.84 |
| 200-Day Moving Average | 40.12 |
| Relative Strength Index (RSI) | 44.78 |
| Average Volume (20 Days) | 18,710 |
Short Selling Information
The latest short interest is 132,314, so 1.81% of the outstanding shares have been sold short.
| Short Interest | 132,314 |
| Short Previous Month | 99,634 |
| Short % of Shares Out | 1.81% |
| Short % of Float | 1.97% |
| Short Ratio (days to cover) | 5.56 |
Income Statement
In the last 12 months, Isabella Bank had revenue of $79.07 million and earned $18.91 million in profits. Earnings per share was $2.56.
| Revenue | 79.07M |
| Gross Profit | 79.07M |
| Operating Income | 25.30M |
| Pretax Income | 24.12M |
| Net Income | 18.91M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.56 |
Full Income StatementBalance 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 -$15.89 per share.
| Cash & Cash Equivalents | 26.04M |
| Total Debt | 142.51M |
| Net Cash | -116.47M |
| Net Cash Per Share | -$15.89 |
| Equity (Book Value) | 231.40M |
| Book Value Per Share | 31.60 |
| Working Capital | -1.90B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $26.82 million and capital expenditures -$3.48 million, giving a free cash flow of $23.34 million.
| Operating Cash Flow | 26.82M |
| Capital Expenditures | -3.48M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 29.43M |
| Free Cash Flow | 23.34M |
| FCF Per Share | $3.18 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 32.00% |
| Pretax Margin | 30.51% |
| Profit Margin | 23.91% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 29.51% |
Dividends & Yields
This stock pays an annual dividend of $1.12, which amounts to a dividend yield of 2.45%.
| Dividend Per Share | $1.12 |
| Dividend Yield | 2.45% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 43.75% |
| Buyback Yield | 1.29% |
| Shareholder Yield | 3.75% |
| Earnings Yield | 5.64% |
| FCF Yield | 6.96% |
Dividend DetailsAnalyst Forecast
The average price target for Isabella Bank is $54.00, which is 18.58% higher than the current price. The consensus rating is "Hold".
| Price Target | $54.00 |
| Price Target Difference | 18.58% |
| Analyst Consensus | Hold |
| Analyst Count | 1 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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 | 4 |
