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ISBA Stock Chart & Stats
$36.81
$2.38(6.47%)
At close: 4:00 PM EDT
$36.81
$2.38(6.47%)
Day’s Range― - ―
52-Week Range$29.52 - $58.83
Previous Close$39.19
Volume57.61K
Average Volume (3M)9.01K
Market Cap
$312.78M
Enterprise Value$393.62
Total Cash (Recent Filing)$481.06M
Total Debt (Recent Filing)$145.57M
Price to Earnings (P/E)15.1
Beta0.06
Next Earnings
Oct 15, 2026EPS Estimate
0.92Next Dividend Ex-DateN/A
Dividend Yield2.74%
Share Statistics
EPS (TTM)2.72
Shares Outstanding7,628,873
10 Day Avg. Volume12,811
30 Day Avg. Volume9,008
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$43.00Price Target Upside16.82% 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 ConversionFree cash flow closely tracking earnings indicates strong earnings quality and internal cash generation. This supports lending capacity, capital investment and shareholder returns while reducing reliance on external funding.
Growing Equity BaseA larger equity base and moderate leverage provide resilience for a regional bank. This financial foundation can support balance-sheet growth and absorb credit or interest-rate stress without indicating major deterioration.
Strategic Footprint ExpansionThe proposed acquisition can broaden Isabella’s geographic reach, customer base and product capabilities, including wealth management. Greater scale may improve competitiveness and support more efficient growth if integration is successful.
Bears Say
TTM Revenue DeclineThe reversal in revenue momentum signals pressure on loan growth, spreads or fee activity. If sustained, weaker top-line performance could constrain earnings expansion and reduce the resources available for strategic investment.
Margin CompressionA substantial decline in operating margin indicates weaker spread income dynamics or higher operating costs. Persistent compression would lower earnings quality and make profitability more sensitive to funding costs and credit conditions.
Lower Capital EfficiencyAlthough equity growth improves resilience, the lower return on equity suggests the expanded capital base is generating less profit than in earlier periods. Continued underutilization could weigh on long-term earnings productivity.
Isabella Bank News
ISBA FAQ
What was Isabella Bank’s price range in the past 12 months?
Isabella Bank lowest stock price was $29.52 and its highest was $58.83 in the past 12 months.
What is Isabella Bank’s market cap?
Isabella Bank’s market cap is $312.78M.
When is Isabella Bank’s upcoming earnings report date?
Isabella Bank’s upcoming earnings report date is Oct 15, 2026 which is in 56 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 2.74%. 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 -3.462%.
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
Neutral
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10
Analyst Consensus
Hold
Average Price Target:
$43.00 (16.82% Upside)
$43.00 (16.82% Upside)
Blogger Sentiment
Bullish
ISBA Sentiment 60%
Sector Average 54%
Sector Average 54%
Insider Transactions
Bought Shares
Worth $1.1K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
81.22%
12-Months-Change
Fundamentals
Return on Equity
2.74%
Trailing 12-Months
Asset Growth
2.94%
Trailing 12-Months
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
▲(16.82% Upside)
Technical Analysis
Primis Financial
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CoastalSouth Bancshares
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Ownership Overview
2.27% Insiders
4.78% Mutual Funds
0.56% Other Institutional Investors
83.85% Public Companies and
Individual Investors