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ISBA Stock Chart & Stats
$38.48
$2.38(6.47%)
At close: 4:00 PM EDT
$38.48
$2.38(6.47%)
Day’s Range― - ―
52-Week Range$33.24 - $58.83
Previous Close$39.19
Volume57.61K
Average Volume (3M)58.39K
Market Cap
$290.81M
Enterprise Value$393.62M
Total Cash (Recent Filing)$481.06M
Total Debt (Recent Filing)$145.57M
Price to Earnings (P/E)14.0
Beta0.11
Next Earnings
Oct 15, 2026EPS Estimate
0.92Next Dividend Ex-DateN/A
Dividend Yield2.94%
Share Statistics
EPS (TTM)2.72
Shares Outstanding7,628,873
10 Day Avg. Volume41,642
30 Day Avg. Volume58,393
Financial Highlights & Ratios
PEG Ratio0.52
Price to Book (P/B)1.59
Price to Sales (P/S)3.29
P/FCF Ratio15.81
Enterprise Value/Market Cap1.35
Enterprise Value/Revenue3.70
Enterprise Value/Gross Profit5.47
Enterprise Value/Ebitda32.34
Forecast
1Y Price Target
$43.00Price Target Upside11.75% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)3.55
Revenue Forecast (FY)$92.50M
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationStrong free cash flow conversion indicates that reported earnings are translating into usable cash, improving earnings quality and supporting capital flexibility. This provides Isabella Bank with resources to fund operations, maintain shareholder distributions, and pursue strategic initiatives over the coming quarters.
Resilient Balance SheetModerate leverage and a growing equity base provide resilience for a regional bank, helping absorb operating variability while preserving financial flexibility. The absence of major balance-sheet deterioration strengthens the foundation for continued lending and measured growth over the next several quarters.
Geographic ExpansionThe Grand River transaction could broaden Isabella Bank’s market presence and customer reach beyond its existing mid-Michigan footprint. Expansion into West Michigan offers a structural avenue for future loan, deposit, and fee growth if integration and regulatory requirements are completed successfully.
Bears Say
TTM Revenue DeclineThe latest revenue contraction indicates that recent operating momentum has weakened after several years of generally positive annual growth. If sustained, lower revenue would constrain the bank’s ability to expand earnings and could make future growth more dependent on cost control or balance-sheet expansion.
Operating Margin CompressionA sharp decline in operating margin shows that profitability has become less efficient even though TTM net income remained slightly above the prior year. Persistent compression could reduce earnings durability, limit internal capital generation, and weaken returns from the bank’s existing operating platform.
Merger Approval And Execution RiskThe proposed expansion is not yet fully secured because regulatory approvals and customary closing conditions remain outstanding. Delays, required changes, or unsuccessful execution could defer the expected footprint benefits and create integration demands before the transaction contributes to sustainable growth.
Isabella Bank News
ISBA FAQ
What was Isabella Bank’s price range in the past 12 months?
Isabella Bank lowest stock price was $33.24 and its highest was $58.83 in the past 12 months.
What is Isabella Bank’s market cap?
Isabella Bank’s market cap is $290.81M.
When is Isabella Bank’s upcoming earnings report date?
Isabella Bank’s upcoming earnings report date is Oct 15, 2026 which is in 10 days.
How were Isabella Bank’s earnings last quarter?
Isabella Bank released its earnings results on Jul 23, 2026. The company reported $0.69 earnings per share for the quarter, missing the consensus estimate of $0.92 by -$0.23.
Is Isabella Bank overvalued?
According to Wall Street analysts Isabella Bank’s price is currently Undervalued.
Does Isabella Bank pay dividends?
Isabella Bank pays a Quarterly dividend of $0.28 which represents an annual dividend yield of 2.94%. See more information on Isabella Bank dividends here
What is Isabella Bank’s EPS estimate?
Isabella Bank’s EPS estimate is 0.92.
How many shares outstanding does Isabella Bank have?
Isabella Bank has 7,628,873 shares outstanding.
What happened to Isabella Bank’s price movement after its last earnings report?
Isabella Bank reported an EPS of $0.69 in its last earnings report, missing expectations of $0.92. Following the earnings report the stock price went down -3.463%.
Which hedge fund is a major shareholder of Isabella Bank?
Currently, no hedge funds are holding shares in ISBA
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Isabella Bank Stock Smart Score
Underperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$43.00 (11.75% Upside)
$43.00 (11.75% Upside)
Blogger Sentiment
Bullish
ISBA Sentiment 60%
Sector Average 62%
Sector Average 62%
Insider Transactions
Bought Shares
Worth $564.6 over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
11.78%
12-Months-Change
Fundamentals
Return on Equity
2.94%
Trailing 12-Months
Asset Growth
2.94%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Isabella Bank
Isabella Bank Corporation serves as the parent company for Isabella Bank, providing a comprehensive suite of banking products and financial services. Its diverse clientele includes businesses, institutions, private individuals, and families. The bank facilitates savings through various deposit options, such as checking and savings accounts, certificates of deposit (CDs), direct deposit services, and money market accounts. Its lending solutions are extensive, comprising commercial, agricultural, and residential real estate loans, alongside consumer credit offerings, including both secured and unsecured personal loans. Beyond core banking, Isabella Bank Corporation offers a range of additional amenities. These include cash management tools, mobile and internet banking platforms, electronic bill payment, automated teller machines (ATMs), specialized trust and investment advisory, estate planning assistance, and safe deposit box rentals. The corporation also extends its services to include group life, health, accident, and disability insurance products, as well as various other employee benefit programs. As of December 31, 2021, the company maintained 30 branch locations situated in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. With a heritage dating back to its founding in 1903, Isabella Bank Corporation is headquartered in Mount Pleasant, Michigan.
ISBA Stock 12 Month Forecast
Average Price Target
$43.00
▲(11.75% Upside)
Technical Analysis
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Ownership Overview
2.28% Insiders
4.78% Mutual Funds
0.56% Other Institutional Investors
83.28% Public Companies and
Individual Investors