44.23 USD
+0.99 (+2.29%)
We assign a fundamental rating of 3 out of 10 to ISBA. ISBA was compared to 387 industry peers in the Banks industry. ISBA may be in some trouble as it scores bad on both profitability and health. ISBA is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
ISBA had positive earnings in the past year.
ISBA had a positive operating cash flow in the past year.
In the past 5 years ISBA has always been profitable.
Each year in the past 5 years ISBA had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.67%, ISBA is doing worse than 67.96% of the companies in the same industry.
ISBA's Return On Equity of 6.61% is on the low side compared to the rest of the industry. ISBA is outperformed by 68.73% 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
With a Profit Margin value of 19.73%, ISBA is not doing good in the industry: 66.15% of the companies in the same industry are doing better.
ISBA's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for ISBA so they could not be analyzed.
| 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
2. Health
2.1 Basic Checks
ISBA does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for ISBA has been reduced compared to 1 year ago.
Compared to 5 years ago, ISBA has less shares outstanding
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.
Looking at the Debt to FCF ratio, with a value of 4.73, ISBA is doing worse than 68.99% of the companies in the same industry.
ISBA has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.39, ISBA is not doing good in the industry: 73.39% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 4.73 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.89%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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%.
ISBA shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.89% yearly.
ISBA shows a small growth in Revenue. In the last year, the Revenue has grown by 2.74%.
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
Based on estimates for the next years, ISBA will show a very strong growth in Earnings Per Share. The EPS will grow by 21.86% on average per year.
ISBA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.18% yearly.
EPS Next Y24.9%
EPS Next 2Y19.13%
EPS Next 3Y21.86%
EPS Next 5YN/A
Revenue Next Year7.42%
Revenue Next 2Y7.69%
Revenue Next 3Y8.18%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 22.45, which indicates a rather expensive current valuation of ISBA.
Compared to the rest of the industry, the Price/Earnings ratio of ISBA indicates a rather expensive valuation: ISBA more expensive than 82.43% of the companies listed in the same industry.
ISBA's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.98.
The Price/Forward Earnings ratio is 16.76, which indicates a correct valuation of ISBA.
ISBA's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. ISBA is more expensive than 76.74% of the companies in the same industry.
ISBA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.45 | ||
| Fwd PE | 16.76 |
4.2 Price Multiples
ISBA's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. ISBA is more expensive than 69.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.62 | ||
| 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 21.86% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.9
PEG (5Y)7.78
EPS Next 2Y19.13%
EPS Next 3Y21.86%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.71%, ISBA has a reasonable but not impressive dividend return.
ISBA's Dividend Yield is comparable with the industry average which is at 3.33.
Compared to an average S&P500 Dividend Yield of 2.41, ISBA has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.71% |
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.
The dividend of ISBA is growing, but earnings are growing more, so the dividend growth is sustainable.
DP58.66%
EPS Next 2Y19.13%
EPS Next 3Y21.86%
NASDAQ:ISBA (11/25/2025, 8:00:02 PM)
44.23
+0.99 (+2.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners3.96%
Inst Owner Change79.4%
Ins Owners1.42%
Ins Owner Change-0.18%
Market Cap326.42M
Revenue(TTM)71.75M
Net Income(TTM)13.89M
Analysts43.33
Price Target27.54 (-37.73%)
Short Float %0.74%
Short Ratio3.77
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.71% |
Yearly Dividend1.09
Dividend Growth(5Y)0.84%
DP58.66%
Div Incr Years0
Div Non Decr Years2
Ex-Date
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 | 22.45 | ||
| Fwd PE | 16.76 | ||
| P/S | 4.64 | ||
| P/FCF | 18.62 | ||
| P/OCF | 16.62 | ||
| P/B | 1.55 | ||
| P/tB | 2.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.97
EY4.45%
EPS(NY)2.64
Fwd EY5.97%
FCF(TTM)2.38
FCFY5.37%
OCF(TTM)2.66
OCFY6.02%
SpS9.54
BVpS28.49
TBVpS21.95
PEG (NY)0.9
PEG (5Y)7.78
Graham Number35.54
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
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 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
WACC12.89%
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 3Y21.86%
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 3Y8.18%
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 FAQ
What is the fundamental rating for ISBA stock?
ChartMill assigns a fundamental rating of 3 / 10 to ISBA.
What is the valuation status for ISBA stock?
ChartMill assigns a valuation rating of 3 / 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 2 / 10.
Can you provide the PE and PB ratios for ISBA stock?
The Price/Earnings (PE) ratio for ISABELLA BANK CORP (ISBA) is 22.45 and the Price/Book (PB) ratio is 1.55.
How sustainable is the dividend of ISABELLA BANK CORP (ISBA) stock?
The dividend rating of ISABELLA BANK CORP (ISBA) is 4 / 10 and the dividend payout ratio is 58.66%.