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Isabella Bank Corporation (ISBA)

NASDAQ: ISBA · USD

$39.4

+0.58 (+1.5%)· Recorded snapshot

Market cap	300.6M
Revenue (ttm)	83.2M
Net income (ttm)	20M
EPS (ttm)	$2.72
Shares out	7.6M
P/E (trailing)	14.5x
P/E (forward)	10.4x
Dividend	$1.12 (2.84%)
Volume	41,479
Beta	0.08

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Starker Kauf
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Starker Kauf
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Halten

Metric	Value
Amount currency	USD
CIK code	0000842517
Company name	Isabella Bank Corporation
Country	United States
Country code	US
CUSIP number	464214105
Earnings date	2026-11-10
Earnings time	amc
Employees	379
Employees change	11
Employees growth	2.99%
Enterprise value	$404.4M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1903
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US4642141059
Last 10-K release date	2026-03-13
Last earnings date	2026-07-23
Last refreshed	2026-10-28
Last stock split date	2008-03-11
Last stock split type	Forward
Market cap	$300.6M
Market cap category	Micro-Cap
Next earnings date	2026-11-10
Options	No
Price	$39.40
Price currency	USD
Sector	Financials
SIC code	6022
Stock price date	2026-10-28
Symbol	ISBA
U.S. state	Michigan
Website	https://www.isabellabank.com

Metric

Value

Amount currency

USD

CIK code

0000842517

Company name

Isabella Bank Corporation

Country

United States

Country code

CUSIP number

464214105

Earnings date

2026-11-10

Earnings time

amc

Employees

379

Employees change

Employees growth

2.99%

Enterprise value

$404.4M

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

1903

In index

RUSSELL2000

Industry

Banks - Regional

Is primary listing

Yes

Is SPAC

ISIN number

US4642141059

Last 10-K release date

2026-03-13

Last earnings date

2026-07-23

Last refreshed

2026-10-28

Last stock split date

2008-03-11

Last stock split type

Forward

Market cap

$300.6M

Market cap category

Micro-Cap

Next earnings date

2026-11-10

Options

Price

$39.40

Price currency

USD

Sector

Financials

SIC code

6022

Stock price date

2026-10-28

Symbol

ISBA

U.S. state

Michigan

Website

https://www.isabellabank.com

Metric	Value
Adjusted P/E ratio	14.49x
Average P/E ratio (10Y)	12.72x
Average P/E ratio (3Y)	12.56x
Average P/E ratio (5Y)	11.31x
Earnings yield	6.9%
EV/Earnings	20.25x
EV/FCF	17.55x
EV/Sales	4.86x
FCF / EV yield	5.7%
FCF yield	7.66%
Forward EV/Sales	4.16x
Forward P/E	10.35x
Forward P/S	3.09x
Graham number	44.6713
Graham upside	13.39%
Industry forward P/E	9.95x
Industry P/E	11.8x
Lynch fair value	$21.48
Lynch upside	-45.48%
P/B ratio	1.19x
P/E ratio	14.48x
P/FCF ratio	13.05x
P/OCF ratio	11.62x
P/S ratio	3.61x
Price / tangible book value	1.5x
Sector forward P/E	13.61x
Sector P/E	15.68x

Metric

Value

Adjusted P/E ratio

14.49x

Average P/E ratio (10Y)

12.72x

Average P/E ratio (3Y)

12.56x

Average P/E ratio (5Y)

11.31x

Earnings yield

6.9%

EV/Earnings

20.25x

EV/FCF

17.55x

EV/Sales

4.86x

FCF / EV yield

5.7%

FCF yield

7.66%

Forward EV/Sales

4.16x

Forward P/E

10.35x

Forward P/S

3.09x

Graham number

44.6713

Graham upside

13.39%

Industry forward P/E

9.95x

Industry P/E

11.8x

Lynch fair value

$21.48

Lynch upside

-45.48%

P/B ratio

1.19x

P/E ratio

14.48x

P/FCF ratio

13.05x

P/OCF ratio

11.62x

P/S ratio

3.61x

Price / tangible book value

1.5x

Sector forward P/E

13.61x

Sector P/E

15.68x

Metric	Value
Effective tax rate	20.93%
FCF margin	27.68%
Operating margin	32.4%
Pretax margin	30.35%
Profit margin	23.99%
Profit per employee	$52,673
Profitable quarters	22
Profitable years	7
Revenue per employee	$219,530
ROA	0.91%
ROA (5Y)	0.9%
ROE	8.51%
ROE (5Y)	8.98%
SBC / revenue	0.41%
Tax / revenue	6.35%

Metric

Value

Effective tax rate

20.93%

FCF margin

27.68%

Operating margin

32.4%

Pretax margin

30.35%

Profit margin

23.99%

Profit per employee

$52,673

Profitable quarters

Profitable years

Revenue per employee

$219,530

ROA

0.91%

ROA (5Y)

0.9%

ROE

8.51%

ROE (5Y)

8.98%

SBC / revenue

0.41%

Tax / revenue

6.35%

Metric	Value
EPS growth	24.25%
EPS growth (Q)	1.12%
EPS growth (QoQ)	1.12%
EPS growth 10Y	4.69%
EPS growth 3Y	-2.23%
EPS growth 5Y	10.14%
EPS growth quarters	7
EPS growth years	1
FCF growth	11.6%
FCF growth (Q)	1.62%
FCF growth (QoQ)	125.02%
FCF growth 3Y	0.2%
FCF growth 5Y	-5.17%
Net income growth	22.8%
Net income growth (Q)	0.2%
Net income growth (QoQ)	0.98%
Net income growth 3Y	-3.42%
Net income growth 5Y	7.89%
Net income growth quarters	7
Net income growth years	1
OCF growth	12.01%
OCF growth (Q)	-0.96%
OCF growth (QoQ)	103.92%
OCF growth 10Y	6.82%
OCF growth 3Y	-1.53%
OCF growth 5Y	-3.71%
Revenue growth	13.52%
Revenue growth (Q)	8.29%
Revenue growth (QoQ)	4.48%
Revenue growth 10Y	4.46%
Revenue growth 3Y	3.37%
Revenue growth 5Y	4.53%
Revenue growth quarters	7
Revenue growth years	1

Metric

Value

EPS growth

24.25%

EPS growth (Q)

1.12%

EPS growth (QoQ)

1.12%

EPS growth 10Y

4.69%

EPS growth 3Y

-2.23%

EPS growth 5Y

10.14%

EPS growth quarters

EPS growth years

FCF growth

11.6%

FCF growth (Q)

1.62%

FCF growth (QoQ)

125.02%

FCF growth 3Y

0.2%

FCF growth 5Y

-5.17%

Net income growth

22.8%

Net income growth (Q)

0.2%

Net income growth (QoQ)

0.98%

Net income growth 3Y

-3.42%

Net income growth 5Y

7.89%

Net income growth quarters

Net income growth years

OCF growth

12.01%

OCF growth (Q)

-0.96%

OCF growth (QoQ)

103.92%

OCF growth 10Y

6.82%

OCF growth 3Y

-1.53%

OCF growth 5Y

-3.71%

Revenue growth

13.52%

Revenue growth (Q)

8.29%

Revenue growth (QoQ)

4.48%

Revenue growth 10Y

4.46%

Revenue growth 3Y

3.37%

Revenue growth 5Y

4.53%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-2.8M
EPS	$2.72
FCF per share	$3.02
Financing cash flow	$35.6M
Free cash flow	$23M
Gross profit	$83.2M
Income taxes	$5.3M
Investing cash flow	$-128.3M
Net borrowing	$72.8M
Net cash flow	$-66.8M
Net income	$20M
Operating income	$27M
Revenue	$83.2M
Stock-based compensation	$338,000

Metric

Value

Capital expenditures

$-2.8M

EPS

$2.72

FCF per share

$3.02

Financing cash flow

$35.6M

Free cash flow

$23M

Gross profit

$83.2M

Income taxes

$5.3M

Investing cash flow

$-128.3M

Net borrowing

$72.8M

Net cash flow

$-66.8M

Net income

$20M

Operating income

$27M

Revenue

$83.2M

Stock-based compensation

$338,000

Metric	Value
Book value per share	$32.60
Debt / equity	0.59
Debt / FCF	6.32
Net cash (debt)	$-103.8M
Net cash / market cap	-34.54%
Net debt / equity	0.42
Net debt / FCF	4.51
Piotroski F-Score	4
Property, plant and equipment	$28.9M
Shareholders' equity	$248.7M
Tangible book value	$200.4M
Tangible book value per share	$26.27
Total assets	$2.2B
Total cash	$41.8M
Total debt	$145.6M
Total liabilities	$2B
WACC	3.14%

Metric

Value

Book value per share

$32.60

Debt / equity

0.59

Debt / FCF

6.32

Net cash (debt)

$-103.8M

Net cash / market cap

-34.54%

Net debt / equity

0.42

Net debt / FCF

4.51

Piotroski F-Score

Property, plant and equipment

$28.9M

Shareholders' equity

$248.7M

Tangible book value

$200.4M

Tangible book value per share

$26.27

Total assets

$2.2B

Total cash

$41.8M

Total debt

$145.6M

Total liabilities

$2B

WACC

3.14%

Metric	Value
Working capital	$-1.9B

Metric

Value

Working capital

$-1.9B

Metric	Value
Buyback yield / dilution	1.26%
Dividend growth	0%
Dividend growth (10Y)	1.45%
Dividend growth (3Y)	0%
Dividend growth (5Y)	0.73%
Dividend growth years	0
Dividend payment date	2026-09-30
Dividend payment years	19
Dividend payout frequency	Quarterly
Dividend per share	$1.12
Dividend yield	2.84%
Ex-dividend date	2026-09-28
FCF payout ratio	37.09%
Last dividend	$0.28
Payout ratio	41.17%
Shareholder yield	4.1%

Metric

Value

Buyback yield / dilution

1.26%

Dividend growth

Dividend growth (10Y)

1.45%

Dividend growth (3Y)

Dividend growth (5Y)

0.73%

Dividend growth years

Dividend payment date

2026-09-30

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

$1.12

Dividend yield

2.84%

Ex-dividend date

2026-09-28

FCF payout ratio

37.09%

Last dividend

$0.28

Payout ratio

41.17%

Shareholder yield

4.1%

Metric	Value
10Y price change	42.76%
10Y return CAGR	8.35%
10Y total return	122.92%
150-day SMA	$40.75
15Y price change	110.13%
15Y return CAGR	9.56%
15Y total return	293.56%
1D price change	1.49%
1M price change	2.47%
1M total return	3.22%
1W price change	5.83%
1W total return	5.83%
1Y price change	10.18%
1Y return CAGR	13.09%
1Y total return	13.08%
20-day SMA	$37.73
200-day SMA	$42.75
20Y price change	1.98%
20Y return CAGR	3.94%
20Y total return	116.41%
3M price change	0.54%
3M total return	1.27%
3Y price change	84.11%
3Y return CAGR	27.73%
3Y total return	108.43%
50-day SMA	$38.39
50-day SMA vs 200-day SMA	50under200
52-week high	$58.83
52-week high date	2025-12-22
52-week low	$34.09
52-week low date	2025-10-30
5Y price change	47.84%
5Y return CAGR	12.99%
5Y total return	84.15%
6M price change	-7.54%
6M total return	-6.21%
All-time high	$58.83
All-time high date	2025-12-22
All-time low	$14.00
All-time low date	2009-11-03
Average true range (ATR)	$1.09
Average volume	32.2K
Beta (1Y)	-0.47
Beta (2Y)	0.16
Beta (5Y)	0.08
Change from 52-week high	-33.03%
Change from 52-week low	15.58%
Change from all-time high	-33.03%
Change from all-time low	181.43%
Change from open	0.64%
Day's gap	0.85%
Dollar volume	$1.6M
High price	$39.40
Low price	$39.15
Monthly RSI	58.72
Open price	$39.15
Position in 52-week range	100%
Premarket change	0.52%
Premarket close	$38.82
Premarket price	$39.02
Premarket volume	1.2K
Previous close	$38.82
Price vs 150-day SMA	-3.31%
Price vs 20-day SMA	4.42%
Price vs 200-day SMA	-7.83%
Price vs 50-day SMA	2.64%
Relative volume	1.29
RSI	60.44
Sharpe ratio	0.41
Sharpe ratio (3Y)	0.73
Sharpe ratio (5Y)	0.59
Sortino ratio	0.78
Sortino ratio (3Y)	1.29
Sortino ratio (5Y)	1.07
Volume	41.5K
Weekly RSI	47.94
YTD price change	-21.2%
YTD total return	-19.55%

Metric

Value

10Y price change

42.76%

10Y return CAGR

8.35%

10Y total return

122.92%

150-day SMA

$40.75

15Y price change

110.13%

15Y return CAGR

9.56%

15Y total return

293.56%

1D price change

1.49%

1M price change

2.47%

1M total return

3.22%

1W price change

5.83%

1W total return

5.83%

1Y price change

10.18%

1Y return CAGR

13.09%

1Y total return

13.08%

20-day SMA

$37.73

200-day SMA

$42.75

20Y price change

1.98%

20Y return CAGR

3.94%

20Y total return

116.41%

3M price change

0.54%

3M total return

1.27%

3Y price change

84.11%

3Y return CAGR

27.73%

3Y total return

108.43%

50-day SMA

$38.39

50-day SMA vs 200-day SMA

50under200

52-week high

$58.83

52-week high date

2025-12-22

52-week low

$34.09

52-week low date

2025-10-30

5Y price change

47.84%

5Y return CAGR

12.99%

5Y total return

84.15%

6M price change

-7.54%

6M total return

-6.21%

All-time high

$58.83

All-time high date

2025-12-22

All-time low

$14.00

All-time low date

2009-11-03

Average true range (ATR)

$1.09

Average volume

32.2K

Beta (1Y)

-0.47

Beta (2Y)

0.16

Beta (5Y)

0.08

Change from 52-week high

-33.03%

Change from 52-week low

15.58%

Change from all-time high

-33.03%

Change from all-time low

181.43%

Change from open

0.64%

Day's gap

0.85%

Dollar volume

$1.6M

High price

$39.40

Low price

$39.15

Monthly RSI

58.72

Open price

$39.15

Position in 52-week range

100%

Premarket change

0.52%

Premarket close

$38.82

Premarket price

$39.02

Premarket volume

1.2K

Previous close

$38.82

Price vs 150-day SMA

-3.31%

Price vs 20-day SMA

4.42%

Price vs 200-day SMA

-7.83%

Price vs 50-day SMA

2.64%

Relative volume

1.29

RSI

60.44

Sharpe ratio

0.41

Sharpe ratio (3Y)

0.73

Sharpe ratio (5Y)

0.59

Sortino ratio

0.78

Sortino ratio (3Y)

1.29

Sortino ratio (5Y)

1.07

Volume

41.5K

Weekly RSI

47.94

YTD price change

-21.2%

YTD total return

-19.55%

Metric	Value
Float	7.1M
Float percentage	92.43%
Shares change (QoQ)	0.11%
Shares change (YoY)	-1.26%
Shares held by insiders	7.57%
Shares held by institutions	20.87%
Shares outstanding	7.6M
Short % of float	4.45%
Short % of shares	4.11%
Short ratio	5.7 days

Metric

Value

Float

7.1M

Float percentage

92.43%

Shares change (QoQ)

0.11%

Shares change (YoY)

-1.26%

Shares held by insiders

7.57%

Shares held by institutions

20.87%

Shares outstanding

7.6M

Short % of float

4.45%

Short % of shares

4.11%

Short ratio

5.7 days

Isabella Bank Corporation (ISBA)

Price

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Profitability

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Performance and technicals

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Frequently asked questions