50.84 USD
+0.84 (+1.68%)
50.84 USD
0 (0%)
Overall ISBA gets a fundamental rating of 2 out of 10. We evaluated ISBA against 133 industry peers in the Hotels, Restaurants & Leisure industry. Both the profitability and financial health of ISBA have multiple concerns. While showing a medium growth rate, ISBA is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- ISBA had negative earnings in the past year.
- ISBA had a negative operating cash flow in the past year.
- 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.
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 75.94% of its industry peers.
- ISBA's Return On Equity of -83.15% is on the low side compared to the rest of the industry. ISBA is outperformed by 68.42% of its industry peers.
- ISBA's Return On Invested Capital of 0.97% is on the low side compared to the rest of the industry. ISBA is outperformed by 75.19% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- ISBA has a worse Operating Margin (3.25%) than 70.68% of its industry peers.
- With a decent Gross Margin value of 55.16%, ISBA is doing good in the industry, outperforming 66.17% of the companies in the same industry.
- In the last couple of years the Gross Margin of ISBA has declined.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ISBA is destroying value.
- The number of shares outstanding for ISBA has been increased compared to 1 year ago.
- ISBA has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, ISBA has a worse debt to assets ratio.
2.2 Solvency
- ISBA has an Altman-Z score of 0.48. This is a bad value and indicates that ISBA is not financially healthy and even has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 0.48, ISBA is doing worse than 75.19% of the companies in the same industry.
- 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 64.66% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 7.14 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.48 |
ROIC/WACC0.1
WACC9.35%
2.3 Liquidity
- A Current Ratio of 0.68 indicates that ISBA may have some problems paying its short term obligations.
- Looking at the Current ratio, with a value of 0.68, ISBA is doing worse than 65.41% 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.
- Looking at the Quick ratio, with a value of 0.66, ISBA is doing worse than 63.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.68 | ||
| Quick Ratio | 0.66 |
3. Growth
3.1 Past
- ISBA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 37.09%, which is quite impressive.
- The Revenue has been growing slightly by 0.36% in the past year.
- 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
- Based on estimates for the next years, ISBA will show a very strong growth in Earnings Per Share. The EPS will grow by 22.49% on average per year.
- The Revenue is expected to grow by 6.41% on average over the next years.
EPS Next Y47.43%
EPS Next 2Y33.88%
EPS Next 3Y22.49%
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.
4. Valuation
4.1 Price/Earnings Ratio
- ISBA reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
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 60.90% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 16.7 |
4.3 Compensation for Growth
- ISBA's earnings are expected to grow with 22.49% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y33.88%
EPS Next 3Y22.49%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.55%, ISBA is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 1.19, ISBA pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.84, ISBA's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.55% |
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
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 2Y33.88%
EPS Next 3Y22.49%
50.84
+0.84 (+1.68%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Services
GICS IndustryHotels, Restaurants & Leisure
Earnings (Last)11-12 2025-11-12/bmo
Earnings (Next)02-12 2026-02-12/amc
Inst Owners75.78%
Inst Owner Change0%
Ins Owners12.56%
Ins Owner Change-0.52%
Market Cap2.50B
Revenue(TTM)2.49B
Net Income(TTM)-433.64M
Analysts48
Price Target49.51 (-2.62%)
Short Float %0.1%
Short Ratio2.36
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.55% |
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)79.78%
PT rev (3m)79.78%
EPS NQ rev (1m)-1.58%
EPS NQ rev (3m)-222.8%
EPS NY rev (1m)0%
EPS NY rev (3m)-364.97%
Revenue NQ rev (1m)2.78%
Revenue NQ rev (3m)3178.2%
Revenue NY rev (1m)0.66%
Revenue NY rev (3m)3234.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 1 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 4.79 | ||
| P/tB | N/A | ||
| EV/EBITDA | 16.7 |
EPS(TTM)-7.7
EYN/A
EPS(NY)-2.43
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 Rank | Sector 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 Rank | Sector 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 | 0.48 |
F-Score6
WACC9.35%
ROIC/WACC0.1
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 Y47.43%
EPS Next 2Y33.88%
EPS Next 3Y22.49%
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 Year346.53%
EBIT Next 3Y63.6%
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 2 / 10 and the dividend payout ratio is -0.47%.