Isabella Bank Corporation (ISBA)
NASDAQ: ISBA · Real-Time Price · USD
27.60
+0.05 (0.18%)
Jun 5, 2025, 9:30 AM - Market open

Isabella Bank Statistics

Total Valuation

Isabella Bank has a market cap or net worth of $203.75 million. The enterprise value is $210.96 million.

Market Cap 203.75M
Enterprise Value 210.96M

Important Dates

The next estimated earnings date is Thursday, July 17, 2025.

Earnings Date Jul 17, 2025
Ex-Dividend Date Jun 26, 2025

Share Statistics

Isabella Bank has 7.38 million shares outstanding. The number of shares has decreased by -1.07% in one year.

Current Share Class 7.38M
Shares Outstanding 7.38M
Shares Change (YoY) -1.07%
Shares Change (QoQ) -0.28%
Owned by Insiders (%) 13.54%
Owned by Institutions (%) 0.09%
Float 6.38M

Valuation Ratios

The trailing PE ratio is 13.98 and the forward PE ratio is 11.58.

PE Ratio 13.98
Forward PE 11.58
PS Ratio 2.92
Forward PS 3.31
PB Ratio 0.95
P/TBV Ratio 1.22
P/FCF Ratio 10.92
P/OCF Ratio 9.73
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 14.34
EV / Sales 3.00
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 11.32

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF 4.12
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 7.07%.

Return on Equity (ROE) 7.07%
Return on Assets (ROA) 0.71%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Revenue Per Employee $191,052
Profits Per Employee $39,965
Employee Count 368
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, Isabella Bank has paid $2.91 million in taxes.

Income Tax 2.91M
Effective Tax Rate 16.52%

Stock Price Statistics

The stock price has increased by +43.49% in the last 52 weeks. The beta is 0.21, so Isabella Bank's price volatility has been lower than the market average.

Beta (5Y) 0.21
52-Week Price Change +43.49%
50-Day Moving Average 25.59
200-Day Moving Average 23.81
Relative Strength Index (RSI) 61.34
Average Volume (20 Days) 3,650

Short Selling Information

The latest short interest is 584, so 0.01% of the outstanding shares have been sold short.

Short Interest 584
Short Previous Month n/a
Short % of Shares Out 0.01%
Short % of Float 0.01%
Short Ratio (days to cover) 0.21

Income Statement

In the last 12 months, Isabella Bank had revenue of $70.31 million and earned $14.71 million in profits. Earnings per share was $1.97.

Revenue 70.31M
Gross Profit 70.31M
Operating Income 18.80M
Pretax Income n/a
Net Income 14.71M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $1.97
Full Income Statement

Balance Sheet

The company has $69.18 million in cash and $76.76 million in debt, giving a net cash position of -$7.58 million or -$1.03 per share.

Cash & Cash Equivalents 69.18M
Total Debt 76.76M
Net Cash -7.58M
Net Cash Per Share -$1.03
Equity (Book Value) 215.56M
Book Value Per Share 29.10
Working Capital -1.77B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $20.91 million and capital expenditures -$2.27 million, giving a free cash flow of $18.63 million.

Operating Cash Flow 20.91M
Capital Expenditures -2.27M
Free Cash Flow 18.63M
FCF Per Share $2.52
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 26.74%
Pretax Margin 25.06%
Profit Margin 20.92%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 26.50%

Dividends & Yields

This stock pays an annual dividend of $1.12, which amounts to a dividend yield of 4.00%.

Dividend Per Share $1.12
Dividend Yield 4.00%
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio 56.85%
Buyback Yield 1.07%
Shareholder Yield 5.07%
Earnings Yield 7.23%
FCF Yield 9.16%
Dividend Details

Analyst Forecast

The average price target for Isabella Bank is $28.00, which is 1.45% higher than the current price. The consensus rating is "Hold".

Price Target $28.00
Price Target Difference 1.45%
Analyst Consensus Hold
Analyst Count 1
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

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 4