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ISABELLA BANK CORP (ISBA) Stock Fundamental Analysis

NASDAQ:ISBA - Nasdaq - US4642141059 - Common Stock - Currency: USD

27.95  0 (0%)

Fundamental Rating

3

Taking everything into account, ISBA scores 3 out of 10 in our fundamental rating. ISBA was compared to 396 industry peers in the Banks industry. ISBA may be in some trouble as it scores bad on both profitability and health. ISBA has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

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.
In the past 5 years ISBA has always been profitable.
ISBA had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

1.2 Ratios

ISBA has a worse Return On Assets (0.67%) than 64.39% of its industry peers.
Looking at the Return On Equity, with a value of 6.61%, ISBA is doing worse than 64.90% of the companies in the same industry.
Industry RankSector 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
ISBA Yearly ROA, ROE, ROICISBA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of ISBA (19.73%) is worse than 63.89% of its industry peers.
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 RankSector 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
ISBA Yearly Profit, Operating, Gross MarginsISBA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

2. Health

2.1 Basic Checks

ISBA does not have a ROIC to compare to the WACC, probably because it is not profitable.
ISBA has less shares outstanding than it did 1 year ago.
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.
ISBA Yearly Shares OutstandingISBA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
ISBA Yearly Total Debt VS Total AssetsISBA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

The Debt to FCF ratio of ISBA is 4.73, which is a neutral value as it means it would take ISBA, 4.73 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 4.73, ISBA is not doing good in the industry: 70.71% of the companies in the same industry are doing better.
ISBA has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
ISBA's Debt to Equity ratio of 0.39 is on the low side compared to the rest of the industry. ISBA is outperformed by 75.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF 4.73
Altman-Z N/A
ROIC/WACCN/A
WACC15.06%
ISBA Yearly LT Debt VS Equity VS FCFISBA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ISBA Yearly Current Assets VS Current LiabilitesISBA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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4

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.
ISBA shows a small growth in Revenue. In the last year, the Revenue has grown by 2.74%.
Measured over the past years, ISBA shows a small growth in Revenue. The Revenue has been growing by 4.14% on average per year.
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 quite strong growth in Earnings Per Share. The EPS will grow by 19.13% on average per year.
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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.
ISBA Yearly Revenue VS EstimatesISBA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
ISBA Yearly EPS VS EstimatesISBA Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

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4

4. Valuation

4.1 Price/Earnings Ratio

ISBA is valuated correctly with a Price/Earnings ratio of 14.19.
65.66% of the companies in the same industry are cheaper than ISBA, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.55, ISBA is valued a bit cheaper.
ISBA is valuated reasonably with a Price/Forward Earnings ratio of 10.59.
ISBA's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.30, ISBA is valued rather cheaply.
Industry RankSector Rank
PE 14.19
Fwd PE 10.59
ISBA Price Earnings VS Forward Price EarningsISBA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

ISBA's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 11.77
EV/EBITDA N/A
ISBA Per share dataISBA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

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)0.57
PEG (5Y)4.91
EPS Next 2Y19.13%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.01%, ISBA is a good candidate for dividend investing.
ISBA's Dividend Yield is a higher than the industry average which is at 3.51.
ISBA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 4.01%

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.
ISBA has decreased its dividend in the last 3 years.
Dividend Growth(5Y)0.84%
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

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 3YN/A
ISBA Yearly Income VS Free CF VS DividendISBA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
ISBA Dividend Payout.ISBA Dividend Payout, showing the Payout Ratio.ISBA Dividend Payout.PayoutRetained Earnings

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ISABELLA BANK CORP

NASDAQ:ISBA (6/6/2025, 8:00:02 PM)

27.95

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17 2025-04-17/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners0.09%
Inst Owner ChangeN/A
Ins Owners1.63%
Ins Owner Change0.01%
Market Cap206.27M
Analysts43.33
Price Target27.54 (-1.47%)
Short Float %0.01%
Short Ratio0.1
Dividend
Industry RankSector Rank
Dividend Yield 4.01%
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 14.19
Fwd PE 10.59
P/S 2.93
P/FCF 11.77
P/OCF 10.5
P/B 0.98
P/tB 1.27
EV/EBITDA N/A
EPS(TTM)1.97
EY7.05%
EPS(NY)2.64
Fwd EY9.44%
FCF(TTM)2.38
FCFY8.5%
OCF(TTM)2.66
OCFY9.52%
SpS9.54
BVpS28.49
TBVpS21.95
PEG (NY)0.57
PEG (5Y)4.91
Profitability
Industry RankSector 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 RankSector 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
WACC15.06%
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%