Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
ISBA
SellSinkerIsabella Bank Corporation · Financial Services · United States · $301M · Avg Vol: $3M/d
27
StockRankGet insider-trade alerts
Q
47
V
44
M
24
P/E (TTM)
14.8x
ROE
8.5%
D/E
0.3x
Dividend %
2.8%
COMPANY DESCRIPTION
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.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 71.2M | 70.0M | 68.4M | 76.3M | 2.3% | 83.2M | 89.6M | 98.2M | 13.4% |
| EPS | 2.95 | 2.42 | 1.86 | 2.56 | -4.6% | 2.71 | 3.42 | 4.09 | 26.5% |
| Shares | 7.6M | 7.3M | 7.3M | 7.3M | -3.1% | 7.6M | — | — | — |
| Debt | 29.2M | 69.3M | 59.4M | 74.5M | 36.6% | 145.6M | — | — | — |
| Equity | 186.2M | 202.4M | 210.3M | 231.4M | 7.5% | — | — | — | — |
| Op CF | 26.9M | 24.2M | 19.6M | 26.8M | -0.1% | 25.9M | — | — | — |
| Inv CF | -106.2M | -26.2M | -37.9M | -115.9M | — | — | — | — | — |
| Fin CF | 12.9M | -3.2M | 9.1M | 90.6M | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)-0.9%
SMA 50SMA 200
Close
$39.36
RSI (14)
46.1
52W High
$58.05
From 52W High
0.7%
SCORE BREAKDOWN
Quality
47
ROIC (ROA)
0.9%*33.8
ROE
8.5%42.4
GP/Assets
3.8%N/A
Op. Margin
32.3%48.9
FCF/Assets
1.0%N/A
Piotroski
567.4
Int. Cover
—50.0
D/E Ratio
0.32xN/A
Current Ratio
bankN/A
Value
44
P/E (TTM)
14.8x40.2
EV/EBITDA
bankN/A
P/FCF
13.1xN/A
P/B
1.2x48.3
P/S
3.7x49.7
Div Yield
2.8%39.3
Momentum
24
52W High %
68%14.9
RS 6M
-24%9.4
SMA 50/200
0.90x9.8
EPS Rev 4W
0.0%27.7
EPS Rev 12W
—N/A
EPS Improve
+46%71.5
Q Growth
0%26.1
FUNDAMENTALS
Market Cap
$301M
P/E (Forward)
10.1x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ISBA are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| ISBA | Isabella Bank Corporation(you) | $301M | 27 | Sell |
| AVBH | Avidbank Holdings, Inc. | $348M | 26 | Sell |
| GBFH | GBank Financial Holdings Inc. | $292M | 22 | Sell |
| BMRC | Bank of Marin Bancorp | $431M | 28 | Sell |
| FCBM | First Carolina Financial Services, Inc. | $391M | 30 | Sell |
| BCML | BayCom Corp | $331M | 35 | Sell |
| BAFN | BayFirst Financial Corp. | $178M | 24 | Sell |
| WNEB | Western New England Bancorp, Inc. | $275M | 40 | Hold |
| OVBC | Ohio Valley Banc Corp. | $215M | 36 | Hold |
| CZWI | Citizens Community Bancorp, Inc. | $203M | 36 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%