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  2. •

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    Banks - Regional
Isabella Bank Corporation

Isabella Bank Corporation

ISBA
Isabella Bank CorporationUS flagNASDAQ Capital Market
39.98
USD
+0.13
- -
293.16MMarket Cap
Isabella Bank Corporation
ISBA
(NASDAQ Capital Market)

Recent

price

39.98

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
6.54
6.57
7.08
6.37
6.47
6.45
6.57
7
7.23
7.41
7.79
8.48
9.44
9.32
9.16
10.33
10.79
Revenue per Share
1.2
1.35
1.61
1.63
1.77
1.95
1.77
1.69
1.78
1.65
1.37
2.59
2.95
2.42
1.86
2.56
2.71
Basic EPS, GAAP
3.09
2.16
2.09
2.74
1.92
0.9
2.1
2.25
2.5
2.78
2.58
3.17
3.14
2.68
2.35
3.16
3.11
Free Cash Flow per Basic Share
0.72
0.76
0.8
0.84
0.88
0.94
0.98
1.02
1.04
1.05
1.07
1.11
1.07
1.09
1.09
1.09
1.1
Dividend per Share
1.14
19.51
20.48
21.16
22.09
23.04
23.76
24.51
25.13
25.74
26.02
27.17
28.93
29.9
30.7
32.09
32.61
Book Value per Share
13
14.26
15.51
14.85
16.61
17.38
17.82
18.69
18.68
20.5
21.43
21.61
18.27
20.52
21.69
24.79
25.22
Tangible Book Value per Share
8
8
8
8
8
8
8
8
8
8
8
8
8
8
7
7
7
Basic Weighted Avg Shares
49
50
54
49
50
50
51
55
57
58
62
64
71
70
68
76
79
Sales/Revenue/Turnover
21.6
- -
27.07
30.01
32.09
36.73
31.47
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
3
4
3
3
3
3
3
3
3
3
3
3
2
2
2
2
2
Depreciation Expense
9
10
12
13
14
15
14
13
14
13
11
19
22
18
14
19
20
Net Income, GAAP
15.06
11.71
16.22
14.93
14.59
17.85
14.54
18.56
8.86
9.58
8.31
16.48
17.16
16.79
15.3
21.61
20.94
Effective Tax Rate (%)
18.35
20.51
22.68
25.53
27.41
30.17
26.9
24.13
24.65
22.27
17.58
30.53
31.22
25.95
20.29
24.78
25.12
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
195
142
152
162
192
235
270
290
300
245
90
49
29
69
59
75
30
LT Debt
145
155
164
161
175
184
188
195
196
210
219
211
186
202
210
231
234
Total Equity
2.68
- -
3.98
3.91
3.98
3.85
3.15
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
133.33
13.06
8.04
7.85
8.23
8.65
7.57
7.01
7.19
6.5
5.31
9.48
10.51
8.2
6.12
8.11
8.48
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
29
75
30
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
7
7
7
Market Capitalization
261
369
336

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
673
227
481
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
2.51%
1.48%
10.04%
Free Cash Flow
18.08%
4.2%
33.12%
Net Income, GAAP
5.7%
17.5%
36.15%
Sales/Revenue/Turnover
4.38%
4.44%
11.49%
Total Cash Common Dividend
1.1%
-1.04%
-0.76%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
16
17
18
17
68
2025
18
18
20
21
76
2026
21
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.42
0.47
0.44
0.54
1.86
2025
0.53
0.68
0.71
0.64
2.56
2026
0.68
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.28
0.27
0.27
0.28
1.09
2025
0.27
0.27
0.27
0.27
1.09
2026
0.28
- -
- -
- -
- -
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Business
Isabella Bank Corporation (Nasdaq: ISBA) operates as the holding company for Isabella Bank, a state-chartered community bank that provides a full range of personal and commercial banking products and services; deposit products including checking accounts, savings accounts, certificates of deposit, direct deposits, and cash management services; lending products encompassing commercial real estate loans and lines of credit, agricultural loans, residential real estate loans, consumer loans including secured and unsecured personal loans, and commercial loans; and wealth management services through Isabella Wealth comprising investment, trust, and estate planning services, as well as electronic services such as online banking, mobile banking, eStatements, bill payment, remote deposit, and debit card services. The bank also offers additional services including notary services, safe deposit boxes, telephone banking, wire transfers, cashier's checks, coin counting, money orders, and teller services. Isabella Bank Corporation serves businesses, institutions, individuals, and families primarily in mid-Michigan across eight counties: Bay, Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw. Founded in 1903 and headquartered in Mt. Pleasant, Michigan, the company maintains approximately 368 employees and focuses on community banking within the U.S. financial services sector. In a significant strategic development, Isabella Bank Corporation uplisted its common stock to The Nasdaq Capital Market under the ticker ISBA effective May 12, 2025, enhancing stock liquidity, visibility to investors, and potential for franchise growth while retaining its name and ticker symbol. Recent operational highlights include robust commercial loan growth of $23.1 million in Q2 2025 driven by a strong pipeline, total loan expansion to $1.4 billion, notable increases in non-maturity deposits including an $89 million influx from a not-for-profit client, recovery of a prior overdraft charge-off improving credit provisions, and a $10.6 million investment in new separate account bank-owned life insurance (BOLI) policies in Q1 2025. The company continues to emphasize profitability, non-interest income growth, shareholder value through dividends and share repurchases, and sustained net interest margin expansion amid stable funding costs.

Company News

APIChatGPT

  • accessnewswire.com

    Isabella Bank Corporation Added to Russell 2000 Index

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    Isabella Bank Corporation Announces Second Quarter 2026 Dividend

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    Isabella Bank Corporation Reports Strong First Quarter 2026 Earnings

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    Isabella Bank (ISBA) Expected to Announce Quarterly Earnings on Thursday

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    Isabella Bank Corporation Announces First Quarter 2026 Dividend

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    Surging Earnings Estimates Signal Upside for Isabella Bank (ISBA) Stock

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    Isabella Bank Corporation (ISBA) Q4 Earnings Miss Estimates

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    Isabella Bank Corporation Reports Fourth Quarter and 2025 Annual Earnings

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    Short Interest in Isabella Bank Corporation (NASDAQ:ISBA) Increases By 43.8%

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    Insider Buying: Isabella Bank (NASDAQ:ISBA) President Acquires $15,022.74 in Stock

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    Isabella Bank (NASDAQ:ISBA) Director Purchases $11,998.36 in Stock

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    Insider Buying: Isabella Bank (NASDAQ:ISBA) Director Acquires $19,980.74 in Stock

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    Ritzert Joins Isabella Bank Corporation as Chief Financial Officer

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