ISBA Fundamental Analysis - ISABELLA BANK CORP

Fundamental Rating

Taking everything into account, ISBA scores 3 out of 10 in our fundamental rating. ISBA was compared to 395 industry peers in the Banks industry. ISBA has a bad profitability rating. Also its financial health evaluation is rather negative. ISBA has a correct valuation and a medium growth rate.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year ISBA was profitable.

In the past year ISBA had a positive cash flow from operations.

Each year in the past 5 years ISBA has been profitable.

Each year in the past 5 years ISBA had a positive operating cash flow.

1.2 Ratios

ISBA has a Return On Assets of 0.67%. This is in the lower half of the industry: ISBA underperforms 65.06% of its industry peers.

ISBA has a Return On Equity of 6.61%. This is in the lower half of the industry: ISBA underperforms 66.58% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

ISBA has a Profit Margin of 19.73%. This is in the lower half of the industry: ISBA underperforms 63.54% of its industry peers.

In the last couple of years the Profit Margin of ISBA has declined.

ISBA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector 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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

2.2 Solvency

ISBA has a debt to FCF ratio of 4.73. This is a neutral value as ISBA would need 4.73 years to pay back of all of its debts.

The Debt to FCF ratio of ISBA (4.73) is worse than 65.82% of its industry peers.

A Debt/Equity ratio of 0.39 indicates that ISBA is not too dependend on debt financing.

The Debt to Equity ratio of ISBA (0.39) is worse than 73.92% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.39
Debt/FCF	4.73
Altman-Z	N/A

ROIC/WACCN/A

WACC14.16%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

ISBA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.08%.

Measured over the past 5 years, ISBA shows a small growth in Earnings Per Share. The EPS has been growing by 2.89% on average per year.

The Revenue has been growing slightly by 2.74% in the past year.

The Revenue has been growing slightly by 4.14% on average over the past years.

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 16.37 indicates a correct valuation of ISBA.

ISBA's Price/Earnings ratio is a bit more expensive when compared to the industry. ISBA is more expensive than 73.42% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 26.90, ISBA is valued a bit cheaper.

A Price/Forward Earnings ratio of 12.22 indicates a correct valuation of ISBA.

Compared to the rest of the industry, the Price/Forward Earnings ratio of ISBA indicates a slightly more expensive valuation: ISBA is more expensive than 67.85% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of ISBA to the average of the S&P500 Index (22.52), we can say ISBA is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	16.37
Fwd PE	12.22

4.2 Price Multiples

ISBA's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	13.58
EV/EBITDA	N/A

4.3 Compensation for Growth

The 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)0.66

PEG (5Y)5.67

EPS Next 2Y19.13%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.33%, ISBA has a reasonable but not impressive dividend return.

ISBA's Dividend Yield is a higher than the industry average which is at 3.17.

Compared to an average S&P500 Dividend Yield of 2.32, ISBA pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.33%

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

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

More info and screens

Find the best dividend stocks

Show peers with best dividend

ISABELLA BANK CORP

NASDAQ:ISBA (9/3/2025, 2:09:34 PM)

32.25

-0.88 (-2.66%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-18 2025-07-18/amc

Earnings (Next)10-22 2025-10-22/amc

Inst Owners0.01%

Inst Owner Change57382%

Ins Owners1.51%

Ins Owner Change0.02%

Market Cap238.00M

Analysts43.33

Price Target27.54 (-14.6%)

Short Float %0.82%

Short Ratio3.25

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.33%

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 Rank	Sector Rank
PE	16.37
Fwd PE	12.22
P/S	3.38
P/FCF	13.58
P/OCF	12.12
P/B	1.13
P/tB	1.47
EV/EBITDA	N/A

EPS(TTM)1.97

EY6.11%

EPS(NY)2.64

Fwd EY8.19%

FCF(TTM)2.38

FCFY7.37%

OCF(TTM)2.66

OCFY8.25%

SpS9.54

BVpS28.49

TBVpS21.95

PEG (NY)0.66

PEG (5Y)5.67

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC14.16%

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%

ISABELLA BANK CORP (ISBA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens