Isabella Bank Corporation (ISBA)

SolarWinds Statistics

Total Valuation

Isabella Bank has a market cap or net worth of $230.42 million. The enterprise value is $201.76 million.

Market Cap	230.42M
Enterprise Value	201.76M

Important Dates

The last earnings date was Thursday, July 24, 2025, after market close.

Earnings Date	Jul 24, 2025
Ex-Dividend Date	Jun 26, 2025

Share Statistics

Isabella Bank has 7.36 million shares outstanding. The number of shares has decreased by -1.18% in one year.

Current Share Class	7.36M
Shares Outstanding	7.36M
Shares Change (YoY)	-1.18%
Shares Change (QoQ)	-0.45%
Owned by Insiders (%)	13.81%
Owned by Institutions (%)	1.58%
Float	6.34M

Valuation Ratios

The trailing PE ratio is 14.74 and the forward PE ratio is 12.54.

PE Ratio	14.74
Forward PE	12.54
PS Ratio	3.27
Forward PS	5.59
PB Ratio	1.08
P/TBV Ratio	1.38
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	12.41
EV / Sales	2.75
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 7.69%.

Return on Equity (ROE)	7.69%
Return on Assets (ROA)	0.77%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$199,171
Profits Per Employee	$44,177
Employee Count	368
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Isabella Bank has paid $3.44 million in taxes.

Income Tax	3.44M
Effective Tax Rate	17.45%

Stock Price Statistics

The stock price has increased by +71.69% in the last 52 weeks. The beta is 0.27, so Isabella Bank's price volatility has been lower than the market average.

Beta (5Y)	0.27
52-Week Price Change	+71.69%
50-Day Moving Average	31.38
200-Day Moving Average	26.38
Relative Strength Index (RSI)	53.10
Average Volume (20 Days)	8,498

Short Selling Information

The latest short interest is 74,107, so 1.01% of the outstanding shares have been sold short.

Short Interest	74,107
Short Previous Month	5,530
Short % of Shares Out	1.01%
Short % of Float	1.17%
Short Ratio (days to cover)	2.23

Income Statement

In the last 12 months, Isabella Bank had revenue of $73.30 million and earned $16.26 million in profits. Earnings per share was $2.19.

Revenue	73.30M
Gross Profit	73.30M
Operating Income	20.86M
Pretax Income	n/a
Net Income	16.26M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.19

Balance Sheet

The company has $108.55 million in cash and $72.68 million in debt, giving a net cash position of $35.88 million or $4.87 per share.

Cash & Cash Equivalents	108.55M
Total Debt	72.68M
Net Cash	35.88M
Net Cash Per Share	$4.87
Equity (Book Value)	220.50M
Book Value Per Share	29.95
Working Capital	-1.78B

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	28.46%
Pretax Margin	26.87%
Profit Margin	22.18%
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 3.47%.

Dividend Per Share	$1.12
Dividend Yield	3.47%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	51.14%
Buyback Yield	1.18%
Shareholder Yield	4.63%
Earnings Yield	6.84%
FCF Yield	n/a

Analyst Forecast

The average price target for Isabella Bank is $34.00, which is 8.63% higher than the current price. The consensus rating is "Hold".

Price Target	$34.00
Price Target Difference	8.63%
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