Isabella Bank Corporation
ISBA | NASDAQ
$38.55
+$0.35 (+0.92%)
Sep 22, 2026, 9:44 AM ET · Market open
Market Data
Market Cap $280.1M
Enterprise Value $-84.95M
Beta 0.03
Average Volume 61.53K
Shares Outstanding (Diluted) 7.34M
Shares Change YoY -0.77%
Institutional Ownership 13.67%
Exchange NASDAQ
ISIN US4642141059
Price Performance
Price Change 1M -5.0%
Price Change 3M -4.5%
Price Change 6M -15.5%
Price Change YTD -24.1%
Price Change 1Y 10.7%
Price Change 3Y 81.9%
Price Change 5Y 44.1%
1M CAGR (ann.) -4.0%
1Y CAGR (ann.) 14.4%
5Y CAGR (ann.) 13.2%
All-Time CAGR 3.8%
Valuation
PE Ratio 28.30
Forward PE 9.61
PEG Ratio 0.58
Forward PEG 0.71
PS Ratio 2.63
Forward PS 2.80
PB Ratio 1.13
P/FCF Ratio 12.25
P/Adj. FCF Ratio 12.44
P/OCF Ratio 10.88
EV/Sales -0.80
EV/EBIT -7.65
EV/EBITDA -6.98
EV/FCF -3.72
Earnings Yield 3.5%
FCF Yield 8.2%
Adj. FCF Yield 8.0%
Financial Health
Net Cash $365.05M
Total Debt $116.01M
Cash & Short-Term Investments $481.06M
Total Assets $2.22B
Current Ratio 4.15
Quick Ratio 4.15
Debt / Equity Ratio 0.59
Debt / EBITDA 9.53
Debt / FCF 5.07
OCF / Debt 0.22
Interest Coverage 0.33
Altman Z-Score 0.42
Piotroski F-Score 8
Margins & Profitability
Gross Profit Margin 67.7%
Operating Profit Margin 10.4%
EBITDA Margin 11.4%
Net Profit Margin 18.8%
FCF Margin 21.5%
Adj. FCF Margin 21.2%
SBC / Revenue 0.3%
SBC Impact (per share) -1.5%
Returns
Return on Assets 0.9%
Return on Equity 8.5%
Return on Invested Capital 1.6%
Return on Capital Employed 0.5%
Return on Tangible Assets 0.9%
Historical Growth (CAGR)
Revenue CAGR 3Y 8.3%
Revenue CAGR 5Y 7.6%
Revenue CAGR 10Y 6.1%
EPS CAGR 3Y -22.6%
EPS CAGR 5Y -4.3%
EPS CAGR 10Y -1.1%
FCF CAGR 3Y -2.8%
FCF CAGR 5Y -1.1%
FCF CAGR 10Y 8.4%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 1
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Oct 14, 2026
EPS Estimate (next Q) $0.92
EPS Growth Est (next Q) 29.6%
Revenue Est (next Q) $23.9M
Revenue Growth Est (next Q) 20.3%
Fair Value Estimates
Graham Number $32.08
Graham Upside -16.0%
Lynch Fair Value $6.75
Lynch Upside -82.3%
Price Target $43
Price Target Upside 12.6%
Cash Flow
Operating Cash Flow $25.89M
Free Cash Flow $22.86M
Adj. Free Cash Flow $22.52M
FCF Per Share $3.25
OCF Per Share $3.51
OCF/S Ratio 24.2%
Income Statement
Revenue $106.38M
Gross Profit $71.98M
Operating Income $11.1M
EBITDA $12.17M
Net Income $19.96M
EPS (Diluted) $1.35
Revenue / Employee $295.51K
Profit / Employee $55.45K
Employees 360
Dividends
Annual Dividend $1.12
Dividend Yield 2.93%
Payout Ratio 83.0%
FCF Payout Ratio 35.5%
Adj. FCF Payout Ratio 36.0%
Dividend Growth (YoY) 0.0%
Pay Frequency Quarterly
Ex-Dividend Date Sep 27, 2026
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