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ISABELLA BANK CORP (ISBA) Stock Fundamental Analysis

USA - NASDAQ:ISBA - US4642141059 - Common Stock

36.09 USD
-0.85 (-2.3%)
Last: 10/10/2025, 9:36:15 PM
Fundamental Rating

3

Overall ISBA gets a fundamental rating of 3 out of 10. We evaluated ISBA against 392 industry peers in the Banks industry. ISBA may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, ISBA is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year ISBA was profitable.
ISBA had a positive operating cash flow in the past year.
In the past 5 years ISBA has always been profitable.
In the past 5 years ISBA always reported a positive cash flow from operatings.
ISBA Yearly Net Income VS EBIT VS OCF VS FCFISBA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

1.2 Ratios

ISBA has a worse Return On Assets (0.67%) than 65.05% of its industry peers.
ISBA has a Return On Equity of 6.61%. This is in the lower half of the industry: ISBA underperforms 66.84% of its industry peers.
Industry RankSector Rank
ROA 0.67%
ROE 6.61%
ROIC N/A
ROA(3y)0.88%
ROA(5y)0.83%
ROE(3y)9.17%
ROE(5y)8.35%
ROIC(3y)N/A
ROIC(5y)N/A
ISBA Yearly ROA, ROE, ROICISBA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

ISBA's Profit Margin of 19.73% is on the low side compared to the rest of the industry. ISBA is outperformed by 63.52% of its industry peers.
ISBA's Profit Margin has declined in the last couple of years.
ISBA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 19.73%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.37%
PM growth 5Y-2.72%
GM growth 3YN/A
GM growth 5YN/A
ISBA Yearly Profit, Operating, Gross MarginsISBA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

2. Health

2.1 Basic Checks

ISBA does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ISBA has less shares outstanding
The number of shares outstanding for ISBA has been reduced compared to 5 years ago.
The debt/assets ratio for ISBA is higher compared to a year ago.
ISBA Yearly Shares OutstandingISBA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
ISBA Yearly Total Debt VS Total AssetsISBA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

The Debt to FCF ratio of ISBA is 4.73, which is a neutral value as it means it would take ISBA, 4.73 years of fcf income to pay off all of its debts.
ISBA has a Debt to FCF ratio of 4.73. This is in the lower half of the industry: ISBA underperforms 65.82% of its industry peers.
ISBA has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.39, ISBA is doing worse than 73.98% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF 4.73
Altman-Z N/A
ROIC/WACCN/A
WACC13.6%
ISBA Yearly LT Debt VS Equity VS FCFISBA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ISBA Yearly Current Assets VS Current LiabilitesISBA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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4

3. Growth

3.1 Past

The earnings per share for ISBA have decreased by -7.08% in the last year.
ISBA shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.89% yearly.
Looking at the last year, ISBA shows a small growth in Revenue. The Revenue has grown by 2.74% in the last year.
ISBA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.14% yearly.
EPS 1Y (TTM)-7.08%
EPS 3Y-8.77%
EPS 5Y2.89%
EPS Q2Q%26.19%
Revenue 1Y (TTM)2.74%
Revenue growth 3Y1.91%
Revenue growth 5Y4.14%
Sales Q2Q%8.04%

3.2 Future

The Earnings Per Share is expected to grow by 19.13% on average over the next years. This is quite good.
ISBA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.69% yearly.
EPS Next Y24.9%
EPS Next 2Y19.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.42%
Revenue Next 2Y7.69%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
ISBA Yearly Revenue VS EstimatesISBA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
ISBA Yearly EPS VS EstimatesISBA Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 18.32, the valuation of ISBA can be described as rather expensive.
77.55% of the companies in the same industry are cheaper than ISBA, based on the Price/Earnings ratio.
ISBA's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.02.
ISBA is valuated correctly with a Price/Forward Earnings ratio of 13.67.
71.17% of the companies in the same industry are cheaper than ISBA, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.57, ISBA is valued a bit cheaper.
Industry RankSector Rank
PE 18.32
Fwd PE 13.67
ISBA Price Earnings VS Forward Price EarningsISBA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, ISBA is valued a bit more expensive than 60.97% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.19
EV/EBITDA N/A
ISBA Per share dataISBA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

ISBA's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
ISBA's earnings are expected to grow with 19.13% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.74
PEG (5Y)6.35
EPS Next 2Y19.13%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.03%, ISBA has a reasonable but not impressive dividend return.
ISBA's Dividend Yield is comparable with the industry average which is at 3.52.
ISBA's Dividend Yield is a higher than the S&P500 average which is at 2.43.
Industry RankSector Rank
Dividend Yield 3.03%

5.2 History

The dividend of ISBA has a limited annual growth rate of 0.84%.
ISBA has been paying a dividend for over 5 years, so it has already some track record.
The dividend of ISBA decreased in the last 3 years.
Dividend Growth(5Y)0.84%
Div Incr Years0
Div Non Decr Years2
ISBA Yearly Dividends per shareISBA Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

ISBA pays out 58.66% of its income as dividend. This is a bit on the high side, but may be sustainable.
ISBA's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP58.66%
EPS Next 2Y19.13%
EPS Next 3YN/A
ISBA Yearly Income VS Free CF VS DividendISBA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
ISBA Dividend Payout.ISBA Dividend Payout, showing the Payout Ratio.ISBA Dividend Payout.PayoutRetained Earnings

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ISABELLA BANK CORP

NASDAQ:ISBA (10/10/2025, 9:36:15 PM)

36.09

-0.85 (-2.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-18 2025-07-18/amc
Earnings (Next)10-16 2025-10-16/amc
Inst Owners3.96%
Inst Owner Change0%
Ins Owners1.42%
Ins Owner Change-0.25%
Market Cap266.34M
Analysts43.33
Price Target27.54 (-23.69%)
Short Float %0.44%
Short Ratio2.22
Dividend
Industry RankSector Rank
Dividend Yield 3.03%
Yearly Dividend1.09
Dividend Growth(5Y)0.84%
DP58.66%
Div Incr Years0
Div Non Decr Years2
Ex-Date03-27 2025-03-27 (0.28)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)6.54%
Min EPS beat(2)-3.28%
Max EPS beat(2)16.35%
EPS beat(4)2
Avg EPS beat(4)0.72%
Min EPS beat(4)-18.86%
Max EPS beat(4)16.35%
EPS beat(8)2
Avg EPS beat(8)-8.66%
EPS beat(12)3
Avg EPS beat(12)-4.95%
EPS beat(16)6
Avg EPS beat(16)-1.37%
Revenue beat(2)0
Avg Revenue beat(2)-6.17%
Min Revenue beat(2)-12.12%
Max Revenue beat(2)-0.21%
Revenue beat(4)0
Avg Revenue beat(4)-4.68%
Min Revenue beat(4)-12.12%
Max Revenue beat(4)-0.21%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 18.32
Fwd PE 13.67
P/S 3.78
P/FCF 15.19
P/OCF 13.56
P/B 1.27
P/tB 1.64
EV/EBITDA N/A
EPS(TTM)1.97
EY5.46%
EPS(NY)2.64
Fwd EY7.31%
FCF(TTM)2.38
FCFY6.58%
OCF(TTM)2.66
OCFY7.37%
SpS9.54
BVpS28.49
TBVpS21.95
PEG (NY)0.74
PEG (5Y)6.35
Profitability
Industry RankSector Rank
ROA 0.67%
ROE 6.61%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.73%
GM N/A
FCFM 24.9%
ROA(3y)0.88%
ROA(5y)0.83%
ROE(3y)9.17%
ROE(5y)8.35%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.37%
PM growth 5Y-2.72%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF 4.73
Debt/EBITDA N/A
Cap/Depr 100.96%
Cap/Sales 2.99%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 126.22%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.6%
ROIC/WACCN/A
Cap/Depr(3y)146.55%
Cap/Depr(5y)108.34%
Cap/Sales(3y)4.33%
Cap/Sales(5y)3.54%
Profit Quality(3y)113.7%
Profit Quality(5y)130.36%
High Growth Momentum
Growth
EPS 1Y (TTM)-7.08%
EPS 3Y-8.77%
EPS 5Y2.89%
EPS Q2Q%26.19%
EPS Next Y24.9%
EPS Next 2Y19.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.74%
Revenue growth 3Y1.91%
Revenue growth 5Y4.14%
Sales Q2Q%8.04%
Revenue Next Year7.42%
Revenue Next 2Y7.69%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-10.79%
FCF growth 3Y-9.83%
FCF growth 5Y-4.41%
OCF growth 1Y-17.2%
OCF growth 3Y-8.34%
OCF growth 5Y-3.36%