ISABELLA BANK CORP (ISBA) Fundamental Analysis & Valuation

NASDAQ:ISBA • US4642141059

Current stock price

44.03 USD
-0.28 (-0.63%)
Last:

This ISBA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

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.
  • ISBA had negative earnings in each of the past 5 years.
  • 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.
  • Looking at the Return On Equity, with a value of -83.15%, ISBA is doing worse than 73.02% of the companies in the same industry.
  • ISBA has a worse Return On Invested Capital (0.97%) than 77.78% of its industry peers.
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.
  • Looking at the Gross Margin, with a value of 55.16%, ISBA is in the better half of the industry, outperforming 65.87% of the companies in the same industry.
  • 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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0

2. ISBA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ISBA is destroying value.
  • Compared to 1 year ago, ISBA has more shares outstanding
  • ISBA has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, ISBA has a worse debt to assets ratio.
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

  • ISBA has an Altman-Z score of 0.45. This is a bad value and indicates that ISBA is not financially healthy and even has some risk of bankruptcy.
  • With a Altman-Z score value of 0.45, ISBA is not doing good in the industry: 79.37% of the companies in the same industry are doing better.
  • ISBA has a Debt/Equity ratio of 7.14. This is a high value indicating a heavy dependency on external financing.
  • ISBA's Debt to Equity ratio of 7.14 is on the low side compared to the rest of the industry. ISBA is outperformed by 69.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 7.14
Debt/FCF N/A
Altman-Z 0.45
ROIC/WACC0.11
WACC8.83%
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

  • ISBA has a Current 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.
  • Looking at the Current ratio, with a value of 0.68, ISBA is doing worse than 71.43% of the companies in the same industry.
  • 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.
  • ISBA has a Quick ratio of 0.66. This is in the lower half of the industry: ISBA underperforms 69.05% of its industry peers.
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.
  • Looking at the last year, ISBA shows a small growth in Revenue. The Revenue has grown by 0.36% in the last year.
  • The Revenue has been growing by 36.16% on average over the past years. This is a very strong growth!
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

  • Based on estimates for the next years, ISBA will show a very strong growth in Earnings Per Share. The EPS will grow by 22.41% on average per year.
  • 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

  • The Revenue growth rate is decreasing: in the next years the growth will be less 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 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

4.2 Price Multiples

  • ISBA's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. ISBA is more expensive than 65.08% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 15.78
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

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

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

1

5. ISBA Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.64%, ISBA is not a good candidate for dividend investing.
  • ISBA's Dividend Yield is comparable with the industry average which is at 1.11.
  • With a Dividend Yield of 0.64, ISBA pays less dividend than the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 0.64%

5.2 History

  • 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)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 (3/13/2026, 8:00:02 PM)

44.03

-0.28 (-0.63%)

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 Cap2.16B
Revenue(TTM)2.49B
Net Income(TTM)-433.64M
Analysts48
Price Target59.81 (35.84%)
Short Float %0.31%
Short Ratio5.07
Dividend
Industry RankSector Rank
Dividend Yield 0.64%
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)-0.26%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.78%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.66%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.87
P/FCF N/A
P/OCF N/A
P/B 4.15
P/tB N/A
EV/EBITDA 15.78
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 0.45
F-Score6
WACC8.83%
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 Fundamental Analysis 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 2 / 10 and the dividend payout ratio is -0.47%.