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.
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 HistoryEnterprise 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 StatementBalance 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 SheetCash 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 StatementMargins
| 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 DetailsAnalyst 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 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 |