ISABELLA BANK CORP (ISBA) Fundamental Analysis & Valuation

NASDAQ:ISBA • US4642141059

44.4 USD
-1.49 (-3.25%)
Last: Mar 11, 2026, 08:04 PM
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This ISBA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

2

Taking everything into account, ISBA scores 2 out of 10 in our fundamental rating. ISBA was compared to 126 industry peers in the Hotels, Restaurants & Leisure industry. ISBA has a bad profitability rating. Also its financial health evaluation is rather negative. ISBA is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

1

1. ISBA Profitability Analysis

1.1 Basic Checks

  • In the past year ISBA has reported negative net income.
  • In the past year ISBA has reported a negative cash flow from operations.
  • In the past 5 years ISBA always reported negative net income.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M

1.2 Ratios

  • ISBA's Return On Assets of -5.74% is on the low side compared to the rest of the industry. ISBA is outperformed by 79.37% of its industry peers.
  • ISBA has a worse Return On Equity (-83.15%) than 72.22% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 0.97%, ISBA is doing worse than 78.57% of the companies in the same industry.
Industry RankSector Rank
ROA -5.74%
ROE -83.15%
ROIC 0.97%
ROA(3y)-6.39%
ROA(5y)-4.24%
ROE(3y)-639.86%
ROE(5y)-385.68%
ROIC(3y)N/A
ROIC(5y)N/A
ISBA Yearly ROA, ROE, ROICISBA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -500 -1K -1.5K

1.3 Margins

  • With a Operating Margin value of 3.25%, ISBA is not doing good in the industry: 73.81% of the companies in the same industry are doing better.
  • ISBA has a better Gross Margin (55.16%) than 65.87% of its industry peers.
  • ISBA's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 3.25%
PM (TTM) N/A
GM 55.16%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-3.11%
GM growth 5Y-3.47%
ISBA Yearly Profit, Operating, Gross MarginsISBA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. ISBA Health Analysis

2.1 Basic Checks

  • ISBA has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for ISBA has been increased compared to 1 year ago.
  • The number of shares outstanding for ISBA has been increased compared to 5 years ago.
  • ISBA has a worse debt/assets ratio than last year.
ISBA Yearly Shares OutstandingISBA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
ISBA Yearly Total Debt VS Total AssetsISBA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

  • Based on the Altman-Z score of 0.46, we must say that ISBA is in the distress zone and has some risk of bankruptcy.
  • ISBA has a worse Altman-Z score (0.46) than 79.37% of its industry peers.
  • A Debt/Equity ratio of 7.14 is on the high side and indicates that ISBA has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 7.14, ISBA is doing worse than 69.05% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 7.14
Debt/FCF N/A
Altman-Z 0.46
ROIC/WACC0.11
WACC8.81%
ISBA Yearly LT Debt VS Equity VS FCFISBA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 0.68 indicates that ISBA may have some problems paying its short term obligations.
  • ISBA has a Current ratio of 0.68. This is in the lower half of the industry: ISBA underperforms 71.43% of its industry peers.
  • ISBA has a Quick Ratio of 0.68. This is a bad value and indicates that ISBA is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a Quick ratio value of 0.66, ISBA is not doing good in the industry: 69.05% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.68
Quick Ratio 0.66
ISBA Yearly Current Assets VS Current LiabilitesISBA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. ISBA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 37.09% over the past year.
  • ISBA shows a small growth in Revenue. In the last year, the Revenue has grown by 0.36%.
  • ISBA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 36.16% yearly.
EPS 1Y (TTM)37.09%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%66.67%
Revenue 1Y (TTM)0.36%
Revenue growth 3Y22.83%
Revenue growth 5Y36.16%
Sales Q2Q%5.36%

3.2 Future

  • ISBA is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.41% yearly.
  • The Revenue is expected to grow by 6.41% on average over the next years.
EPS Next Y44.93%
EPS Next 2Y33.7%
EPS Next 3Y22.41%
EPS Next 5YN/A
Revenue Next Year4.03%
Revenue Next 2Y5.25%
Revenue Next 3Y6.41%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
ISBA Yearly Revenue VS EstimatesISBA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B
ISBA Yearly EPS VS EstimatesISBA Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 -2 -4 -6 -8 -10

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1

4. ISBA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for ISBA. In the last year negative earnings were reported.
  • Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for ISBA. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
ISBA Price Earnings VS Forward Price EarningsISBA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 30 40

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ISBA indicates a slightly more expensive valuation: ISBA is more expensive than 65.87% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 16.03
ISBA Per share dataISBA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 -40 -60

4.3 Compensation for Growth

  • A more expensive valuation may be justified as ISBA's earnings are expected to grow with 22.41% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y33.7%
EPS Next 3Y22.41%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

1

5. ISBA Dividend Analysis

5.1 Amount

  • ISBA has a yearly dividend return of 0.61%, which is pretty low.
  • Compared to an average industry Dividend Yield of 1.11, ISBA has a dividend in line with its industry peers.
  • With a Dividend Yield of 0.61, ISBA pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.61%

5.2 History

  • ISBA has been paying a dividend for over 5 years, so it has already some track record.
  • ISBA has decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
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

  • The earnings of ISBA are negative and hence is the payout ratio. ISBA will probably not be able to sustain this dividend level.
DP-0.47%
EPS Next 2Y33.7%
EPS Next 3Y22.41%
ISBA Yearly Income VS Free CF VS DividendISBA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200M -400M

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ISBA Fundamentals: All Metrics, Ratios and Statistics

ISABELLA BANK CORP

NASDAQ:ISBA (3/11/2026, 8:04:43 PM)

44.4

-1.49 (-3.25%)

Chartmill FA Rating
GICS IndustryGroupConsumer Services
GICS IndustryHotels, Restaurants & Leisure
Earnings (Last)03-03
Earnings (Next)05-11
Inst Owners76.17%
Inst Owner Change39.99%
Ins Owners12.61%
Ins Owner Change1.02%
Market Cap2.18B
Revenue(TTM)2.49B
Net Income(TTM)-433.64M
Analysts48
Price Target59.81 (34.71%)
Short Float %0.31%
Short Ratio5.07
Dividend
Industry RankSector Rank
Dividend Yield 0.61%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP-0.47%
Div Incr Years0
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-828.99%
Min EPS beat(2)-1443.99%
Max EPS beat(2)-213.99%
EPS beat(4)1
Avg EPS beat(4)-456.79%
Min EPS beat(4)-1443.99%
Max EPS beat(4)18.41%
EPS beat(8)2
Avg EPS beat(8)-657.28%
EPS beat(12)2
Avg EPS beat(12)-872.87%
EPS beat(16)4
Avg EPS beat(16)-658.21%
Revenue beat(2)0
Avg Revenue beat(2)-1.1%
Min Revenue beat(2)-1.91%
Max Revenue beat(2)-0.29%
Revenue beat(4)0
Avg Revenue beat(4)-49.12%
Min Revenue beat(4)-97.19%
Max Revenue beat(4)-0.29%
Revenue beat(8)0
Avg Revenue beat(8)-26.76%
Revenue beat(12)0
Avg Revenue beat(12)-18.51%
Revenue beat(16)0
Avg Revenue beat(16)-15.44%
PT rev (1m)6.93%
PT rev (3m)117.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-221.21%
EPS NY rev (1m)0%
EPS NY rev (3m)-377.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3178.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3234.87%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.88
P/FCF N/A
P/OCF N/A
P/B 4.19
P/tB N/A
EV/EBITDA 16.03
EPS(TTM)-7.7
EYN/A
EPS(NY)-2.49
Fwd EYN/A
FCF(TTM)-6.18
FCFYN/A
OCF(TTM)-1.47
OCFYN/A
SpS50.67
BVpS10.61
TBVpS-62.12
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -5.74%
ROE -83.15%
ROCE 1.22%
ROIC 0.97%
ROICexc 0.99%
ROICexgc 2.22%
OM 3.25%
PM (TTM) N/A
GM 55.16%
FCFM N/A
ROA(3y)-6.39%
ROA(5y)-4.24%
ROE(3y)-639.86%
ROE(5y)-385.68%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-3.11%
GM growth 5Y-3.47%
F-Score6
Asset Turnover0.33
Health
Industry RankSector Rank
Debt/Equity 7.14
Debt/FCF N/A
Debt/EBITDA 10.22
Cap/Depr 81.78%
Cap/Sales 9.3%
Interest Coverage 0.24
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.68
Quick Ratio 0.66
Altman-Z 0.46
F-Score6
WACC8.81%
ROIC/WACC0.11
Cap/Depr(3y)125.58%
Cap/Depr(5y)105.92%
Cap/Sales(3y)17.68%
Cap/Sales(5y)13.89%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)37.09%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%66.67%
EPS Next Y44.93%
EPS Next 2Y33.7%
EPS Next 3Y22.41%
EPS Next 5YN/A
Revenue 1Y (TTM)0.36%
Revenue growth 3Y22.83%
Revenue growth 5Y36.16%
Sales Q2Q%5.36%
Revenue Next Year4.03%
Revenue Next 2Y5.25%
Revenue Next 3Y6.41%
Revenue Next 5YN/A
EBIT growth 1Y279.76%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year351.49%
EBIT Next 3Y65.89%
EBIT Next 5YN/A
FCF growth 1Y21.54%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-144.44%
OCF growth 3Y11.25%
OCF growth 5Y3.91%

ISABELLA BANK CORP / ISBA FAQ

What is the fundamental rating for ISBA stock?

ChartMill assigns a fundamental rating of 2 / 10 to ISBA.


What is the valuation status of ISABELLA BANK CORP (ISBA) stock?

ChartMill assigns a valuation rating of 1 / 10 to ISABELLA BANK CORP (ISBA). This can be considered as Overvalued.


How profitable is ISABELLA BANK CORP (ISBA) stock?

ISABELLA BANK CORP (ISBA) has a profitability rating of 1 / 10.


Can you provide the financial health for ISBA stock?

The financial health rating of ISABELLA BANK CORP (ISBA) is 0 / 10.


Can you provide the dividend sustainability for ISBA stock?

The dividend rating of ISABELLA BANK CORP (ISBA) is 1 / 10 and the dividend payout ratio is -0.47%.