ISBA
Isabella Bank Corporation
Price Chart
Latest Quote
$39.85
-0.07 (-0.18%)
Current Price
| Previous Close | $39.92 |
| Open | $40.00 |
| Day High | $40.27 |
| Day Low | $39.20 |
| Volume | 52,862 |
Stock Information
| Quarterly Dividend / Yield | $1.12 / 2.81% |
| Shares Outstanding | 7.33M |
| Quarterly Dividend Yield | 2.81% |
| Quarterly Dividend | $1.12 |
| Total Debt | $143.07M |
| Cash Equivalents | $50.10M |
| Revenue | $81.55M |
| Net Income | $19.95M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $292.13M |
| P/E Ratio | 14.70 |
| EPS (TTM) | $2.71 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $385.68M |
| Sales | $81.55M |
| Income | $19.95M |
| Book/sh | $31.90 |
| Cash/sh | $6.83 |
| Employees | 341 |
Financial Ratios
| EPS Growth TTM | 26.40% |
Returns & Margins
| ROA | 0.92% |
| ROE | 8.88% |
| Operating Margin | 30.44% |
| Profit Margin | 24.47% |
Ownership
| Insider Ownership | 6.65% |
| Institutional Ownership | 13.77% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 10.09 |
| P/S | 3.58 |
| P/B | 1.25 |
Analyst Data
| Recommendation | hold |
| Target Price | $47.00 |
Technical Indicators
| SMA20 | $41.08 |
| SMA50 | $42.06 |
| SMA200 | $43.44 |
| RSI | 37.10 |
| ATR | 1.6011 |
| Shares Float | 6.78M |
| Short Float | 2.56% |
| Short Ratio | 7.79 |
| Volatility | 0.02 |
| Rel Volume | 1.06 |
Performance History
| Week | -0.33% |
| Month | -4.18% |
| Quarter | -11.30% |
| 6 Months | -26.02% |
| YTD | -20.27% |
| Year | +16.14% |
| 3 Years | +110.04% |
| 5 Years | +118.42% |
| 10 Years | +121.46% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-25 | $39.85 | 52,862 |
| 2026-06-24 | $39.92 | 77,700 |
| 2026-06-23 | $39.99 | 51,500 |
| 2026-06-22 | $39.70 | 58,300 |
| 2026-06-18 | $40.31 | 48,100 |
| 2026-06-17 | $39.98 | 61,600 |
| 2026-06-16 | $40.00 | 88,700 |
| 2026-06-15 | $41.43 | 46,000 |
| 2026-06-12 | $42.05 | 49,500 |
| 2026-06-11 | $43.24 | 61,700 |
| 2026-06-10 | $42.48 | 54,000 |
| 2026-06-09 | $41.85 | 45,000 |
| 2026-06-08 | $41.92 | 52,600 |
| 2026-06-05 | $42.18 | 60,200 |
| 2026-06-04 | $41.63 | 37,500 |
| 2026-06-03 | $40.10 | 24,600 |
| 2026-06-02 | $41.63 | 19,700 |
| 2026-06-01 | $41.49 | 31,100 |
| 2026-05-29 | $40.78 | 28,100 |
| 2026-05-28 | $41.14 | 45,100 |
| 2026-05-27 | $41.95 | 20,300 |
| 2026-05-26 | $41.59 | 46,900 |
About Isabella Bank Corporation
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.
đ° Latest News
Michigan bank to buy in-state peer for $54.6M
Banking Dive âĸ 2026-06-17T11:38:05Z
Michigan bank strikes deal for an in-state rival
American Banker âĸ 2026-06-16T19:32:48Z
Discovering Hidden Opportunities in US Stocks with Strong Potential
Simply Wall St. âĸ 2026-05-15T17:33:06Z
Isabella Bank Corporation (ISBA) Misses Q1 Earnings and Revenue Estimates
Zacks âĸ 2026-04-23T13:10:03Z
Undiscovered Gems in the US Market This February 2026
Simply Wall St. âĸ 2026-02-11T17:33:37Z
Surging Earnings Estimates Signal Upside for Isabella Bank (ISBA) Stock
Zacks âĸ 2026-02-11T17:20:02Z
Isabella Bank Corporation (ISBA) Q4 Earnings Miss Estimates
Zacks âĸ 2026-02-05T23:10:02Z
First United Corporation (FUNC) Q4 Earnings and Revenues Beat Estimates
Zacks âĸ 2026-02-04T23:10:02Z
Camden National (CAC) Beats Q4 Earnings and Revenue Estimates
Zacks âĸ 2026-01-27T14:20:02Z
Undiscovered Gems in the US Market to Explore This January 2026
Simply Wall St. âĸ 2026-01-05T17:33:19Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $76,299,000 | $68,436,000 | $70,004,000 | $71,234,000 |
| Operating Revenue | $76,299,000 | $68,436,000 | $70,004,000 | $71,234,000 |
| Expenses | ||||
| Interest Expense | $33,491,000 | $34,143,000 | $21,687,000 | $5,317,000 |
| Selling And Marketing Expense | $1,989,000 | $1,712,000 | $2,074,000 | $1,979,000 |
| General And Administrative Expense | $31,221,000 | $29,708,000 | $26,827,000 | $25,424,000 |
| Professional Expense And Contract Services Expense | $3,240,000 | $2,212,000 | $2,340,000 | $2,358,000 |
| Other Non Interest Expense | $5,748,000 | $5,998,000 | $6,005,000 | $4,449,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $18,910,000 | $13,889,000 | $18,167,000 | $22,238,000 |
| Net Interest Income | $62,544,000 | $55,835,000 | $57,944,000 | $60,481,000 |
| Interest Income | $96,035,000 | $89,978,000 | $79,631,000 | $65,798,000 |
| Normalized Income | $18,910,000 | $13,889,000 | $18,167,000 | $22,238,000 |
| Net Income From Continuing And Discontinued Operation | $18,910,000 | $13,889,000 | $18,167,000 | $22,238,000 |
| Net Income Common Stockholders | $18,910,000 | $13,889,000 | $18,167,000 | $22,238,000 |
| Net Income | $18,910,000 | $13,889,000 | $18,167,000 | $22,238,000 |
| Net Income Including Noncontrolling Interests | $18,910,000 | $13,889,000 | $18,167,000 | $22,238,000 |
| Net Income Continuous Operations | $18,910,000 | $13,889,000 | $18,167,000 | $22,238,000 |
| Pretax Income | $24,123,000 | $16,398,000 | $21,832,000 | $26,844,000 |
| Special Income Charges | - | - | - | $0 |
| Per Share | ||||
| Diluted EPS | $2.56 | $1.86 | $2.40 | $2.91 |
| Basic EPS | $2.56 | $1.86 | $2.42 | $2.95 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $2,138,000 | $2,086,000 | $1,978,000 | $2,071,000 |
| Diluted Average Shares | $7,386,719 | $7,467,204 | $7,575,492 | $7,647,612 |
| Basic Average Shares | $7,386,719 | $7,467,204 | $7,511,591 | $7,549,878 |
| Diluted NI Availto Com Stockholders | $18,910,000 | $13,889,000 | $18,167,000 | $22,238,000 |
| Tax Provision | $5,213,000 | $2,509,000 | $3,665,000 | $4,606,000 |
| Gain On Sale Of Security | $0 | $0 | $67,000 | - |
| Selling General And Administration | $33,210,000 | $31,420,000 | $28,901,000 | $27,403,000 |
| Insurance And Claims | $1,180,000 | $1,132,000 | $922,000 | $537,000 |
| Salaries And Wages | $30,041,000 | $28,576,000 | $25,905,000 | $24,887,000 |
| Occupancy And Equipment | $10,541,000 | $10,524,000 | $10,297,000 | $9,697,000 |
| Total Unusual Items | - | - | - | $0 |
| Total Unusual Items Excluding Goodwill | - | - | - | $0 |
| Other Special Charges | - | - | - | - |
Fetched: 2026-06-20
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $183,114,000 | $161,993,000 | $154,118,000 | $137,923,000 |
| Total Assets | $2,209,448,000 | $2,086,241,000 | $2,058,968,000 | $2,030,267,000 |
| Goodwill And Other Intangible Assets | $48,282,000 | $48,283,000 | $48,284,000 | $48,287,000 |
| Cash And Cash Equivalents | $26,041,000 | $24,542,000 | $33,672,000 | $38,924,000 |
| Cash Financial | $22,935,000 | $22,830,000 | $25,628,000 | $27,420,000 |
| Cash Cash Equivalents And Federal Funds Sold | $26,041,000 | $24,542,000 | $33,672,000 | $38,924,000 |
| Other Intangible Assets | - | $1,000 | $2,000 | $5,000 |
| Receivables | - | - | $35,130,000 | $33,586,000 |
| Accounts Receivable | - | - | $35,130,000 | $33,586,000 |
| Debt | ||||
| Net Debt | $48,473,000 | $34,882,000 | $35,663,000 | - |
| Total Debt | $74,514,000 | $59,424,000 | $69,335,000 | $29,245,000 |
| Long Term Debt And Capital Lease Obligation | $74,514,000 | $59,424,000 | $69,335,000 | $29,245,000 |
| Long Term Debt | $74,514,000 | $59,424,000 | $69,335,000 | $29,245,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,978,052,000 | $1,875,965,000 | $1,856,566,000 | $1,844,057,000 |
| Payables And Accrued Expenses | - | - | - | $12,766,000 |
| Payables | - | - | - | $12,766,000 |
| Accounts Payable | - | - | - | $12,766,000 |
| Equity | ||||
| Common Stock Equity | $231,396,000 | $210,276,000 | $202,402,000 | $186,210,000 |
| Total Equity Gross Minority Interest | $231,396,000 | $210,276,000 | $202,402,000 | $186,210,000 |
| Stockholders Equity | $231,396,000 | $210,276,000 | $202,402,000 | $186,210,000 |
| Other Equity Interest | $2,366,000 | $2,383,000 | $3,693,000 | $5,005,000 |
| Gains Losses Not Affecting Retained Earnings | $-8,023,000 | $-21,355,000 | $-25,896,000 | $-37,194,000 |
| Other Equity Adjustments | $-8,023,000 | $-21,355,000 | $-25,896,000 | $-37,194,000 |
| Retained Earnings | $113,849,000 | $103,024,000 | $97,282,000 | $89,748,000 |
| Other | ||||
| Treasury Shares Number | $299,492 | $142,535 | $150,581 | - |
| Ordinary Shares Number | $7,322,207 | $7,282,358 | $7,335,308 | $7,559,421 |
| Share Issued | $7,621,699 | $7,424,893 | $7,485,889 | $7,559,421 |
| Tangible Book Value | $183,114,000 | $161,993,000 | $154,118,000 | $137,923,000 |
| Invested Capital | $305,910,000 | $269,700,000 | $271,737,000 | $215,455,000 |
| Total Capitalization | $305,910,000 | $269,700,000 | $271,737,000 | $215,455,000 |
| Capital Stock | $123,204,000 | $126,224,000 | $127,323,000 | $128,651,000 |
| Common Stock | $123,204,000 | $126,224,000 | $127,323,000 | $128,651,000 |
| Investments And Advances | $497,791,000 | $489,029,000 | $528,148,000 | $596,227,000 |
| Available For Sale Securities | $296,978,000 | $260,543,000 | $15,848,000 | $15,746,000 |
| Goodwill | $48,282,000 | $48,282,000 | $48,282,000 | $48,282,000 |
| Net PPE | $29,000,000 | $27,659,000 | $27,639,000 | $25,553,000 |
| Accumulated Depreciation | $-51,004,000 | $-48,980,000 | $-49,182,000 | $-47,517,000 |
| Gross PPE | $80,004,000 | $76,639,000 | $76,821,000 | $73,070,000 |
| Machinery Furniture Equipment | $35,319,000 | $33,960,000 | $35,528,000 | $35,906,000 |
| Buildings And Improvements | $38,376,000 | $36,370,000 | $34,984,000 | $31,260,000 |
| Land And Improvements | $6,309,000 | $6,309,000 | $6,309,000 | $5,904,000 |
| Other Short Term Investments | $200,813,000 | $489,029,000 | $528,148,000 | $580,481,000 |
Fetched: 2026-06-20
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $23,338,000 | $17,531,000 | $20,118,000 | $23,681,000 |
| Operating Activities | ||||
| Operating Cash Flow | $26,817,000 | $19,637,000 | $24,182,000 | $26,886,000 |
| Cash Flow From Continuing Operating Activities | $26,817,000 | $19,637,000 | $24,182,000 | $26,886,000 |
| Operating Gains Losses | $-180,000 | $-213,000 | $-384,000 | $-631,000 |
| Investing Activities | ||||
| Capital Expenditure | $-3,479,000 | $-2,106,000 | $-4,064,000 | $-3,205,000 |
| Investing Cash Flow | $-115,882,000 | $-37,866,000 | $-26,246,000 | $-106,204,000 |
| Cash Flow From Continuing Investing Activities | $-115,882,000 | $-37,866,000 | $-26,246,000 | $-106,204,000 |
| Net Other Investing Changes | $-3,063,000 | - | $569,000 | $2,288,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-4,709,000 | $-4,408,000 | $-5,039,000 | $-2,313,000 |
| Issuance Of Capital Stock | $1,331,000 | $1,523,000 | $1,617,000 | $1,762,000 |
| Financing Cash Flow | $90,564,000 | $9,099,000 | $-3,188,000 | $12,912,000 |
| Cash Flow From Continuing Financing Activities | $90,564,000 | $9,099,000 | $-3,188,000 | $12,912,000 |
| Cash Dividends Paid | $-8,085,000 | $-8,147,000 | $-8,216,000 | $-8,082,000 |
| Common Stock Dividend Paid | $-8,085,000 | $-8,147,000 | $-8,216,000 | $-8,082,000 |
| Net Common Stock Issuance | $-3,378,000 | $-2,885,000 | $-3,422,000 | $-551,000 |
| Common Stock Issuance | $1,331,000 | $1,523,000 | $1,617,000 | $1,762,000 |
| Other | ||||
| Interest Paid Supplemental Data | $33,483,000 | $33,982,000 | $21,052,000 | $5,313,000 |
| Income Tax Paid Supplemental Data | $2,200,000 | $2,060,000 | $2,350,000 | $4,425,000 |
| End Cash Position | $26,041,000 | $24,542,000 | $33,672,000 | $38,924,000 |
| Beginning Cash Position | $24,542,000 | $33,672,000 | $38,924,000 | $105,330,000 |
| Changes In Cash | $1,499,000 | $-9,130,000 | $-5,252,000 | $-66,406,000 |
| Common Stock Payments | $-4,709,000 | $-4,408,000 | $-5,039,000 | $-2,313,000 |
| Net Issuance Payments Of Debt | $29,433,000 | $-3,234,000 | $29,030,000 | $-12,391,000 |
| Net Short Term Debt Issuance | $14,433,000 | $6,766,000 | $-10,970,000 | $7,609,000 |
| Net Long Term Debt Issuance | $15,000,000 | $-10,000,000 | $40,000,000 | $-20,000,000 |
| Net Investment Purchase And Sale | $3,011,000 | $41,102,000 | $63,601,000 | $-141,959,000 |
| Sale Of Investment | $74,208,000 | $48,526,000 | $75,090,000 | $68,956,000 |
| Purchase Of Investment | $-71,197,000 | $-7,424,000 | $-11,489,000 | $-210,915,000 |
| Net PPE Purchase And Sale | $-3,479,000 | $-2,106,000 | $-4,064,000 | $-3,205,000 |
| Purchase Of PPE | $-3,479,000 | $-2,106,000 | $-4,064,000 | $-3,205,000 |
| Change In Working Capital | $6,774,000 | $1,512,000 | $736,000 | $-553,000 |
| Change In Other Current Liabilities | $3,909,000 | $-208,000 | $1,096,000 | $2,269,000 |
| Change In Other Current Assets | $2,865,000 | $1,720,000 | $-360,000 | $-2,822,000 |
| Other Non Cash Items | $-1,608,000 | $-1,019,000 | $-208,000 | $637,000 |
| Stock Based Compensation | $341,000 | $476,000 | $782,000 | $610,000 |
| Amortization Of Securities | $967,000 | $1,332,000 | $1,474,000 | $2,018,000 |
| Deferred Tax | $38,000 | $-310,000 | $1,008,000 | $13,000 |
| Depreciation Amortization Depletion | $2,138,000 | $2,086,000 | $1,978,000 | $2,071,000 |
| Depreciation And Amortization | $2,138,000 | $2,086,000 | $1,978,000 | $2,071,000 |
| Depreciation | $2,138,000 | $2,086,000 | $1,978,000 | $2,071,000 |
| Gain Loss On Investment Securities | $0 | $0 | $-67,000 | $0 |
| Net Income From Continuing Operations | $18,910,000 | $13,889,000 | $18,167,000 | $22,238,000 |
| Issuance Of Debt | - | - | $40,000,000 | $0 |
| Long Term Debt Issuance | - | - | $40,000,000 | $0 |
| Change In Payables And Accrued Expense | - | - | $1,006,000 | $2,182,000 |
| Change In Payable | - | - | $1,006,000 | $2,182,000 |
| Change In Account Payable | - | - | $1,006,000 | $2,182,000 |
| Change In Receivables | - | - | $-809,000 | $-2,813,000 |
| Changes In Account Receivables | - | - | $-809,000 | $-2,813,000 |
| Amortization Cash Flow | - | - | $140,000 | $112,000 |
| Amortization Of Intangibles | - | - | $140,000 | $112,000 |
| Repayment Of Debt | - | - | - | $-20,000,000 |
| Long Term Debt Payments | - | - | - | $-20,000,000 |
| Unrealized Gain Loss On Investment Securities | - | - | - | $0 |
| Gain Loss On Sale Of Business | - | - | - | $0 |
| Asset Impairment Charge | - | - | - | - |
Fetched: 2026-06-20