Isabella Bank Statistics
Total Valuation
Isabella Bank has a market cap or net worth of $297.07 million. The enterprise value is $230.59 million.
Important Dates
The last earnings date was Monday, October 27, 2025, after market close.
| Earnings Date | Oct 27, 2025 |
| Ex-Dividend Date | Sep 26, 2025 |
Share Statistics
Isabella Bank has 7.34 million shares outstanding. The number of shares has decreased by -1.18% in one year.
| Current Share Class | 7.34M |
| Shares Outstanding | 7.34M |
| Shares Change (YoY) | -1.18% |
| Shares Change (QoQ) | -0.36% |
| Owned by Insiders (%) | 13.83% |
| Owned by Institutions (%) | 7.08% |
| Float | 6.32M |
Valuation Ratios
The trailing PE ratio is 16.42 and the forward PE ratio is 13.83.
| PE Ratio | 16.42 |
| Forward PE | 13.83 |
| PS Ratio | 3.91 |
| Forward PS | 14.02 |
| PB Ratio | 1.31 |
| P/TBV Ratio | 1.68 |
| P/FCF Ratio | 15.57 |
| P/OCF Ratio | 13.40 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 12.66 |
| EV / Sales | 3.01 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.95 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 4.74 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 8.27%.
| Return on Equity (ROE) | 8.27% |
| Return on Assets (ROA) | 0.83% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $207,842 |
| Profits Per Employee | $49,500 |
| Employee Count | 368 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Isabella Bank has paid $3.91 million in taxes.
| Income Tax | 3.91M |
| Effective Tax Rate | 17.68% |
Stock Price Statistics
The stock price has increased by +65.35% in the last 52 weeks. The beta is 0.15, so Isabella Bank's price volatility has been lower than the market average.
| Beta (5Y) | 0.15 |
| 52-Week Price Change | +65.35% |
| 50-Day Moving Average | 36.61 |
| 200-Day Moving Average | 30.40 |
| Relative Strength Index (RSI) | 58.89 |
| Average Volume (20 Days) | 8,225 |
Short Selling Information
The latest short interest is 50,680, so 0.69% of the outstanding shares have been sold short.
| Short Interest | 50,680 |
| Short Previous Month | 71,411 |
| Short % of Shares Out | 0.69% |
| Short % of Float | 0.80% |
| Short Ratio (days to cover) | 8.83 |
Income Statement
In the last 12 months, Isabella Bank had revenue of $76.49 million and earned $18.22 million in profits. Earnings per share was $2.46.
| Revenue | 76.49M |
| Gross Profit | 76.49M |
| Operating Income | 23.28M |
| Pretax Income | 22.13M |
| Net Income | 18.22M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.46 |
Full Income StatementBalance Sheet
The company has $161.30 million in cash and $91.51 million in debt, giving a net cash position of $69.79 million or $9.51 per share.
| Cash & Cash Equivalents | 161.30M |
| Total Debt | 91.51M |
| Net Cash | 69.79M |
| Net Cash Per Share | $9.51 |
| Equity (Book Value) | 227.42M |
| Book Value Per Share | 30.94 |
| Working Capital | -1.82B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $22.41 million and capital expenditures -$3.12 million, giving a free cash flow of $19.30 million.
| Operating Cash Flow | 22.41M |
| Capital Expenditures | -3.12M |
| Free Cash Flow | 19.30M |
| FCF Per Share | $2.63 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 30.43% |
| Pretax Margin | 28.93% |
| Profit Margin | 23.82% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 25.23% |
Dividends & Yields
This stock pays an annual dividend of $1.12, which amounts to a dividend yield of 2.80%.
| Dividend Per Share | $1.12 |
| Dividend Yield | 2.80% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 45.53% |
| Buyback Yield | 1.18% |
| Shareholder Yield | 3.98% |
| Earnings Yield | 6.06% |
| FCF Yield | 6.42% |
Dividend DetailsAnalyst Forecast
The average price target for Isabella Bank is $38.50, which is -4.94% lower than the current price. The consensus rating is "Hold".
| Price Target | $38.50 |
| Price Target Difference | -4.94% |
| 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 |
