ISABELLA BANK CORP (ISBA) Fundamental Analysis & Valuation

NASDAQ:ISBA • US4642141059

Current stock price

43.34 USD
-2.41 (-5.27%)
At close:
45 USD
+1.66 (+3.83%)
After Hours:

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

  • ISBA had negative earnings in the past year.
  • ISBA had a negative operating cash flow in the past year.
  • ISBA had negative earnings in each of the past 5 years.
  • Of the past 5 years ISBA 4 years had a positive operating cash flow.
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 2025 0 200M -200M -400M -600M

1.2 Ratios

  • ISBA has a worse Return On Assets (-6.24%) than 82.54% of its industry peers.
  • ISBA's Return On Equity of -70.49% is on the low side compared to the rest of the industry. ISBA is outperformed by 70.63% of its industry peers.
  • ISBA has a worse Return On Invested Capital (0.24%) than 80.95% of its industry peers.
Industry RankSector Rank
ROA -6.24%
ROE -70.49%
ROIC 0.24%
ROA(3y)-6.22%
ROA(5y)-5.43%
ROE(3y)-645.76%
ROE(5y)-399.44%
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 2025 0 -500 -1K -1.5K

1.3 Margins

  • The Operating Margin of ISBA (1.08%) is worse than 77.78% of its industry peers.
  • In the last couple of years the Operating Margin of ISBA has declined.
  • With a decent Gross Margin value of 54.84%, ISBA is doing good in the industry, outperforming 65.08% of the companies in the same industry.
  • In the last couple of years the Gross Margin of ISBA has declined.
Industry RankSector Rank
OM 1.08%
PM (TTM) N/A
GM 54.84%
OM growth 3Y-51.97%
OM growth 5Y-26.17%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.26%
GM growth 5Y-2.67%
ISBA Yearly Profit, Operating, Gross MarginsISBA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ISBA is destroying value.
  • Compared to 1 year ago, ISBA has more shares outstanding
  • The number of shares outstanding for ISBA has been increased compared to 5 years ago.
  • ISBA has a better debt/assets ratio than last year.
ISBA Yearly Shares OutstandingISBA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • Based on the Altman-Z score of 0.25, we must say that ISBA is in the distress zone and has some risk of bankruptcy.
  • ISBA has a worse Altman-Z score (0.25) than 84.92% of its industry peers.
  • A Debt/Equity ratio of 4.49 is on the high side and indicates that ISBA has dependencies on debt financing.
  • ISBA has a Debt to Equity ratio of 4.49. This is in the lower half of the industry: ISBA underperforms 63.49% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.49
Debt/FCF N/A
Altman-Z 0.25
ROIC/WACC0.03
WACC9.48%
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 2025 0 1B 2B 3B 4B

2.3 Liquidity

  • A Current Ratio of 0.80 indicates that ISBA may have some problems paying its short term obligations.
  • With a Current ratio value of 0.80, ISBA is not doing good in the industry: 62.70% of the companies in the same industry are doing better.
  • ISBA has a Quick Ratio of 0.80. 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 0.77, ISBA is doing worse than 61.90% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.8
Quick Ratio 0.77
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 2025 500M 1B 1.5B

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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

  • ISBA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.51%.
  • ISBA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.42%.
  • Measured over the past years, ISBA shows a very strong growth in Revenue. The Revenue has been growing by 48.11% on average per year.
EPS 1Y (TTM)-0.51%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-231.25%
Revenue 1Y (TTM)8.42%
Revenue growth 3Y5.61%
Revenue growth 5Y48.11%
Sales Q2Q%4328.49%

3.2 Future

  • ISBA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.62% yearly.
  • The Revenue is expected to grow by 11.45% on average over the next years. This is quite good.
EPS Next Y48.65%
EPS Next 2Y28.41%
EPS Next 3Y18.62%
EPS Next 5YN/A
Revenue Next Year23.73%
Revenue Next 2Y14.22%
Revenue Next 3Y11.45%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past 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 2028 1B 2B 3B
ISBA Yearly EPS VS EstimatesISBA Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 -2 -4 -6 -8 -10

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0

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 20 30 40 50

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 65.08% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 16.89
ISBA Per share dataISBA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50 -100

4.3 Compensation for Growth

  • A more expensive valuation may be justified as ISBA's earnings are expected to grow with 18.62% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y28.41%
EPS Next 3Y18.62%

More info and screens

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

0

5. ISBA Dividend Analysis

5.1 Amount

  • ISBA does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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ISBA Fundamentals: All Metrics, Ratios and Statistics

ISABELLA BANK CORP

NASDAQ:ISBA (4/20/2026, 8:09:25 PM)

After market: 45 +1.66 (+3.83%)

43.34

-2.41 (-5.27%)

Chartmill FA Rating
GICS IndustryGroupConsumer Services
GICS IndustryHotels, Restaurants & Leisure
Earnings (Last)03-23
Earnings (Next)05-11
Inst Owners78.1%
Inst Owner Change0%
Ins Owners12.92%
Ins Owner Change1.02%
Market Cap2.11B
Revenue(TTM)2.66B
Net Income(TTM)-701.10M
Analysts48
Price Target60.61 (39.85%)
Short Float %0.38%
Short Ratio5.44
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-431.84%
Min EPS beat(2)-649.7%
Max EPS beat(2)-213.99%
EPS beat(4)1
Avg EPS beat(4)-572.32%
Min EPS beat(4)-1443.99%
Max EPS beat(4)18.41%
EPS beat(8)2
Avg EPS beat(8)-687.11%
EPS beat(12)2
Avg EPS beat(12)-699.7%
EPS beat(16)4
Avg EPS beat(16)-676.12%
Revenue beat(2)1
Avg Revenue beat(2)2.18%
Min Revenue beat(2)-1.91%
Max Revenue beat(2)6.27%
Revenue beat(4)1
Avg Revenue beat(4)-23.25%
Min Revenue beat(4)-97.07%
Max Revenue beat(4)6.27%
Revenue beat(8)1
Avg Revenue beat(8)-25.5%
Revenue beat(12)1
Avg Revenue beat(12)-17.86%
Revenue beat(16)1
Avg Revenue beat(16)-14.6%
PT rev (1m)1.33%
PT rev (3m)22.41%
EPS NQ rev (1m)-91.75%
EPS NQ rev (3m)-82.7%
EPS NY rev (1m)-143.07%
EPS NY rev (3m)-148.45%
Revenue NQ rev (1m)8.36%
Revenue NQ rev (3m)8.36%
Revenue NY rev (1m)16.2%
Revenue NY rev (3m)16.2%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.8
P/FCF N/A
P/OCF N/A
P/B 2.12
P/tB N/A
EV/EBITDA 16.89
EPS(TTM)-11.77
EYN/A
EPS(NY)-6.04
Fwd EYN/A
FCF(TTM)-6.49
FCFYN/A
OCF(TTM)-1.87
OCFYN/A
SpS54.51
BVpS20.41
TBVpS-111.6
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -6.24%
ROE -70.49%
ROCE 0.3%
ROIC 0.24%
ROICexc 0.26%
ROICexgc 0.98%
OM 1.08%
PM (TTM) N/A
GM 54.84%
FCFM N/A
ROA(3y)-6.22%
ROA(5y)-5.43%
ROE(3y)-645.76%
ROE(5y)-399.44%
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 3Y-54.91%
ROICexgc growth 5Y-11.27%
ROICexc growth 3Y-56.99%
ROICexc growth 5Y-21.54%
OM growth 3Y-51.97%
OM growth 5Y-26.17%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.26%
GM growth 5Y-2.67%
F-Score6
Asset Turnover0.24
Health
Industry RankSector Rank
Debt/Equity 4.49
Debt/FCF N/A
Debt/EBITDA 12.97
Cap/Depr 71.35%
Cap/Sales 8.47%
Interest Coverage 0.08
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.8
Quick Ratio 0.77
Altman-Z 0.25
F-Score6
WACC9.48%
ROIC/WACC0.03
Cap/Depr(3y)93.34%
Cap/Depr(5y)112.09%
Cap/Sales(3y)13.03%
Cap/Sales(5y)14.76%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-0.51%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-231.25%
EPS Next Y48.65%
EPS Next 2Y28.41%
EPS Next 3Y18.62%
EPS Next 5YN/A
Revenue 1Y (TTM)8.42%
Revenue growth 3Y5.61%
Revenue growth 5Y48.11%
Sales Q2Q%4328.49%
Revenue Next Year23.73%
Revenue Next 2Y14.22%
Revenue Next 3Y11.45%
Revenue Next 5YN/A
EBIT growth 1Y408.2%
EBIT growth 3Y-49.28%
EBIT growth 5Y9.35%
EBIT Next Year2013.32%
EBIT Next 3Y176.69%
EBIT Next 5YN/A
FCF growth 1Y-135.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-180%
OCF growth 3YN/A
OCF growth 5YN/A

ISABELLA BANK CORP / ISBA Fundamental Analysis FAQ

What is the fundamental rating for ISBA stock?

ChartMill assigns a fundamental rating of 1 / 10 to ISBA.


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

ChartMill assigns a valuation rating of 0 / 10 to ISABELLA BANK CORP (ISBA). This can be considered as Overvalued.


Can you provide the profitability details for ISABELLA BANK CORP?

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


What is the expected EPS growth for ISABELLA BANK CORP (ISBA) stock?

The Earnings per Share (EPS) of ISABELLA BANK CORP (ISBA) is expected to grow by 48.65% in the next year.