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Isabella Bank Corporation ISBA FINANCIAL

Financial Services · Banks - Regional · United States
https://www.isabellabank.com
Company Profile ↓
$39.62
+25.58% 1Y
Mkt Cap$302.26M
P/E14.62
P/B1.18
Div. Yield2.91%
52W High$55.83
52W Low$30.71
Book Value$32.60
EPS (TTM)$2.71

Company Overview

Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides banking and wealth management services to businesses, institutions, and individuals and their families in Michigan, the United States. The company offers deposit products, including checking and savings accounts; and certificates of deposit, direct deposits, and cash management services. Its loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans, including secured and unsecured personal loans. In addition, the company provides mobile and internet banking, investment management, trust and estate services, automated teller machines, and insurance products. Isabella Bank Corporation was founded in 1903 and is headquartered in Mount Pleasant, Michigan.

Why Investors Should Care

Reasonable Valuation

Trades at an undemanding P/E of 14.6.

Healthy Margins

Maintains a net profit margin of 24.0%.

Dividend Income

Offers a dividend yield of 2.91%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $76.30M (+11.5% YoY); net profit $18.91M.
  • Trailing 12 Months Year-on-year growth — revenue +8.3%, earnings +1.1%.
  • 5-Year Trend Long-term compounding — revenue CAGR 2.3%, profit CAGR -5.3%.

Growth & Price Performance

Compounded Sales Growth

5 Years:2.32%
1 Year:8.30%

Compounded Profit Growth

5 Years:-5.26%
1 Year:1.10%

Stock Price Performance

1 Year:+25.58%
6 Months:-11.34%
3 Months:-4.82%
1 Month:-0.38%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 35% of range
$30.71 $55.83
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)49.45 · Neutral
Price Performance
1M-0.38%
3M-4.82%
6M-11.34%
1Y+25.58%
Valuation vs Sector

P/E of 14.62 is above the sector median of 12.89 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 24.0%.
  • Attractive dividend yield of 2.91%.
  • Generates positive free cash flow.

CONS

  • Earnings shrank at -5.3% CAGR over 5 years.
  • Trading 29.0% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
14.62
Industry PE
12.89
Forward P/E
10.03
PEG Ratio
-
Book Value
$32.60
Price to Book
1.18
P/S
3.53
EV/EBITDA
-
Dividend Yield
2.91%

Growth (CAGR)

Revenue 5Y
2.32%
Profit 5Y
-5.26%
Revenue (YoY)
8.30%
Earnings (YoY)
1.10%

Profitability & Returns

ROCE
-
ROE
8.51%
ROA
0.91%
Profit Margin
23.99%
Op Margin
32.33%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.69
EPS (TTM)
$2.71

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$145.57M
Total Assets
$2.22B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
6.41%
Chg in Prom Hold
0.01%
FII / Inst Holding
21.04%
Chg in FII Hold
0.35%

Financial Snapshot

Enterprise Value
$302.26M
Total Revenue (TTM)
$83.20M
EBITDA
-
Free Cash Flow
$23.34M
Operating Cash Flow
$25.87M
Shares Outstanding
7.63M
Gross Margin
0.00%
Payout Ratio
41.33%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ISBA Isabella Bank Corporation FINANCIAL 39.62 14.62 $302.26M 2.91% - 8.51% 2.32% -5.26%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue -----------1.35M1.39M1.33M1.44M1.43M1.34M1.52M1.44M---------------17.57M18.26M19.88M20.60M20.68M-
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------8.11M8.11M8.72M8.55M8.25M-
Pretax Income ----------------------------------4.86M6.17M6.28M6.82M5.98M-
Tax Provision ----------------------------------912.00K1.14M1.04M2.13M985.00K-
Net Income 3.29M3.31M3.56M3.40M3.67M4.10M4.06M3.02M3.41M3.59M3.14M3.84M3.54M3.46M3.33M3.70M3.50M4.19M4.44M3.06M4.19M4.36M5.40M4.62M4.69M4.73M5.29M5.89M5.32M4.63M4.41M3.13M3.48M3.28M3.95M5.03M5.24M4.69M4.99M-
Diluted EPS 0.420.420.450.430.460.520.510.380.430.450.390.480.440.430.410.460.430.520.550.380.520.540.670.570.580.620.690.770.700.610.580.420.460.440.530.68-0.640.680.69

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -------5.18M5.38M5.66M---71.23M70.00M68.44M76.30M
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense -------------5.32M21.69M34.14M33.49M
Pretax Income -------------26.84M21.83M16.40M24.12M
Tax Provision -------------4.61M3.67M2.51M5.21M
Net Income 7.80M9.04M10.21M12.21M12.51M13.72M15.13M13.80M13.24M14.02M13.02M10.88M-22.24M18.17M13.89M18.91M
Diluted EPS 1.011.171.311.561.591.741.901.731.651.741.611.34-2.912.401.862.56

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --1.23B1.34B1.43B1.49B1.55B1.67B1.73B1.81B1.84B1.81B1.96B2.03B2.03B2.06B2.09B2.21B
Total Equity 134.48M140.80M145.16M154.78M164.49M160.61M174.59M183.97M187.90M194.91M195.52M210.18M218.59M211.05M186.21M202.40M210.28M231.40M
Cash & Equivalents 22.98M24.48M18.11M28.59M29.39M42.14M19.91M21.57M22.89M30.85M73.47M60.57M246.64M105.33M38.92M33.67M24.54M26.04M
Total Liabilities --1.08B1.18B1.27B1.33B1.37B1.48B1.54B1.62B1.65B1.60B1.74B1.82B1.84B1.86B1.88B1.98B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 18.23M26.52M18.86M19.46M23.61M17.56M12.09M20.24M19.67M21.96M23.30M22.00M25.50M26.89M24.18M19.64M26.82M
Investing Cash Flow -9.18M-103.88M-105.20M-101.87M-69.68M-74.83M-113.50M-69.91M-81.70M6.52M15.48M45.13M-229.63M-106.20M-26.25M-37.87M-115.88M
Financing Cash Flow -7.54M70.98M96.82M78.74M58.83M35.03M103.07M50.99M69.99M14.14M-51.68M118.94M62.82M12.91M-3.19M9.10M90.56M
Capital Expenditure -3.04M-3.23M-2.52M-3.58M-2.49M-2.71M-5.13M-3.80M-2.04M-2.31M-1.33M-1.52M-1.59M-3.21M-4.06M-2.11M-3.48M
Free Cash Flow 15.19M23.29M16.34M15.89M21.12M14.85M6.96M16.44M17.63M19.66M21.97M20.48M23.91M23.68M20.12M17.53M23.34M
Share Buybacks 2.06M2.02M1.51M1.98M2.38M---------3.42M3.08M4.71M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -------266.1%245.8%247.9%---31.2%26.0%20.3%24.8%
ROE % 5.5%6.2%6.6%7.4%7.8%7.9%8.2%7.3%6.8%7.2%6.2%5.0%-11.9%9.0%6.6%8.2%
ROCE % -----------------

Shareholding Pattern

Insiders
6.41%
Institutions
21.04%
Public Float
22.48%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 6.33% 467.43K $18.02M
2 Vanguard Capital Management LLC 4.06% 299.60K $11.55M
3 Geode Capital Management, LLC 2.39% 176.25K $6.79M
4 State Street Corporation 1.17% 86.58K $3.34M
5 Northern Trust Corporation 0.72% 53.47K $2.06M
6 Vanguard Portfolio Management LLC 0.63% 46.74K $1.80M
7 Vanguard Fiduciary Trust Co 0.63% 46.48K $1.79M
8 Harbour Investments, Inc. 0.45% 32.99K $1.27M
9 Victory Capital Management Inc. 0.42% 31.00K $1.20M
10 Goldman Sachs Group Inc 0.37% 27.46K $1.06M

Analyst View

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Latest News

Recent headlines for ISBA

Yahoo Finance hu, 27 Aug 2026

Isabella Bank Corporation Announces Third Quarter 2026 Dividend

MOUNT PLEASANT, MI / ACCESS Newswire / August 27, 2026 / (Nasdaq:ISBA) today announced its Board of Directors declared a third-quarter cash dividend of $0.28 per common share at its regular meeting on August 26, 2026.…

Yahoo Finance hu, 02 Jul 2026

Isabella Bank Corporation Added to Russell 2000 Index

MOUNT PLEASANT, MI / ACCESS Newswire / July 2, 2026 / Isabella Bank Corporation ("Isabella") (NASDAQ:ISBA) (the "Company"), the holding company for Isabella Bank, today announced it has been added to the Russell 2000® Index, effective after…

Yahoo Finance Wed, 17 Jun 2026

Michigan bank to buy in-state peer for $54.6M

By buying Grand River Bank, Isabella Bank will gain access to the growing Grand Rapids market.

Yahoo Finance Mon, 15 Jun 2026

Mid-Michigan bank to acquire Grand River for $54.6M

Mount Pleasant-headquartered Isabella Bank is set to acquire West Michigan's Grand River Bank in a $54.6 million deal.

Yahoo Finance Fri, 12 Jun 2026

Isabella Bank Corporation to Acquire Grand River Commerce, Inc.

Highlights: Expands presence in southwest Michigan, including the high-growth Grand Rapids area Combines two strong community banks, with continued focus on serving customers, communities and shareholders Aligns with the strategic objective…

Yahoo Finance hu, 28 May 2026

Isabella Bank Corporation Announces Second Quarter 2026 Dividend

MT. PLEASANT, MI / ACCESS Newswire / May 28, 2026 / Isabella Bank Corporation (Nasdaq:ISBA) today announced its Board of Directors declared a second-quarter cash dividend of $0.28 per common share at its regular meeting on May 26, 2026. The…

ISBA — Frequently Asked Questions

What is the current share price of Isabella Bank Corporation (ISBA)?

As of 2026-09-19 21:16 PDT, Isabella Bank Corporation (ISBA) trades at $39.62 on NasdaqCM. Its 52-week range is $30.71 to $55.83.

What is the market capitalisation of ISBA?

Isabella Bank Corporation (ISBA) has a market capitalisation of $302.26M on NasdaqCM.

What is the P/E ratio of ISBA?

ISBA trades at a trailing price-to-earnings (P/E) ratio of 14.62. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.18.

Does ISBA pay a dividend?

Isabella Bank Corporation (ISBA) currently offers a dividend yield of 2.91%.

What is the return on equity (ROE) of ISBA?

ISBA has a return on equity (ROE) of 8.51%.

Is ISBA a good stock to buy?

This page provides a data-driven analysis of Isabella Bank Corporation (ISBA), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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