Isabella Bank Corporation (ISBA)

Isabella Bank Statistics

Total Valuation

Isabella Bank has a market cap or net worth of $258.15 million. The enterprise value is $188.36 million.

Market Cap	258.15M
Enterprise Value	188.36M

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 7.35 million shares outstanding. The number of shares has decreased by -1.20% in one year.

Current Share Class	7.35M
Shares Outstanding	7.35M
Shares Change (YoY)	-1.20%
Shares Change (QoQ)	-0.24%
Owned by Insiders (%)	13.80%
Owned by Institutions (%)	3.96%
Float	6.34M

Valuation Ratios

The trailing PE ratio is 14.27 and the forward PE ratio is 13.67.

PE Ratio	14.27
Forward PE	13.67
PS Ratio	3.38
Forward PS	12.05
PB Ratio	1.14
P/TBV Ratio	1.44
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	10.34
EV / Sales	2.46
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 8.27%.

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 +62.22% in the last 52 weeks. The beta is 0.32, so Isabella Bank's price volatility has been lower than the market average.

Beta (5Y)	0.32
52-Week Price Change	+62.22%
50-Day Moving Average	34.41
200-Day Moving Average	29.26
Relative Strength Index (RSI)	48.50
Average Volume (20 Days)	5,872

Short Selling Information

The latest short interest is 55,066, so 0.75% of the outstanding shares have been sold short.

Short Interest	55,066
Short Previous Month	30,021
Short % of Shares Out	0.75%
Short % of Float	0.87%
Short Ratio (days to cover)	2.96

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

Balance 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 $9.49 per share.

Cash & Cash Equivalents	161.30M
Total Debt	91.51M
Net Cash	69.79M
Net Cash Per Share	$9.49
Equity (Book Value)	227.42M
Book Value Per Share	30.94
Working Capital	-1.82B

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	30.43%
Pretax Margin	28.93%
Profit Margin	23.82%
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 3.19%.

Dividend Per Share	$1.12
Dividend Yield	3.19%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	45.52%
Buyback Yield	1.20%
Shareholder Yield	4.39%
Earnings Yield	7.06%
FCF Yield	n/a

Analyst Forecast

The average price target for Isabella Bank is $34.00, which is -3.19% lower than the current price. The consensus rating is "Hold".

Price Target	$34.00
Price Target Difference	-3.19%
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