Isabella Bank Corporation
NASDAQ Capital MarketTotal Valuation
Isabella Bank Corporation carries a market capitalization of 276.70M, placing it among publicly traded companies globally. Its enterprise value stands at 174.38M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 276.70M |
| Enterprise Value | 174.38M |
Share Statistics
Isabella Bank Corporation currently has 7.63M shares outstanding.
| Shares Outstanding | 7.63M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Isabella Bank Corporation trades at a trailing price-to-earnings ratio of 14.52. The price-to-sales ratio is 3.49, and the price-to-book ratio stands at 1.21.
| PE Ratio | 14.52 |
| PS Ratio | 3.49 |
| PB Ratio | 1.21 |
| P/TBV Ratio | 1.50 |
| P/FCF Ratio | 10.11 |
| P/OCF Ratio | 11.20 |
Enterprise Valuation
On an enterprise value basis, Isabella Bank Corporation trades at an EV/EBITDA multiple of 79.01 and an EV/FCF ratio of 6.07.
| EV / Sales | 2.10 |
| EV / EBITDA | 79.01 |
| EV / EBIT | N/A |
| EV / FCF | 6.07 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 11.89 |
| Debt / EBITDA | 13.39 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 8.51 |
| Return on Assets (ROA) | 0.91 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Isabella Bank Corporation has paid 5.29M in income taxes, reflecting an effective tax rate of 20.93.
| Income Tax | 5.29M |
| Effective Tax Rate | 20.93 |
Stock Price Statistics
Isabella Bank Corporation's stock has gained approximately 2.14024% over the past 52 weeks. The 50-day moving average sits at 38.82, while the 200-day moving average is 43.19.
| Beta (5Y) | N/A |
| 52-Week Price Change | 2.14024% |
| 50-Day Moving Average | 38.82 |
| 200-Day Moving Average | 43.19 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Isabella Bank Corporation generated 82.99M in revenue and converted that into 19.96M in net income, yielding earnings per share of 2.72.
| Revenue | 82.99M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 25.25M |
| Net Income | 19.96M |
| EBITDA | 2.21M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 2.72 |
Balance Sheet
Isabella Bank Corporation holds 156.51M in cash and equivalents against 29.56M in total debt, resulting in a net debt position of -12.21M.
| Cash & Cash Equivalents | 156.51M |
| Total Debt | 29.56M |
| Net Debt | -12.21M |
| Equity (Book Value) | 248.70M |
| Book Value Per Share | 32.60 |
| Working Capital | N/A |
Cash Flow
Isabella Bank Corporation produced 25.87M in operating cash flow over the past twelve months. After subtracting -2.84M in capital expenditures, free cash flow totaled 23.03M - equivalent to 3.14 per share.
| Operating Cash Flow | 25.87M |
| Capital Expenditures | -2.84M |
| Free Cash Flow | 23.03M |
| FCF Per Share | 3.14 |
Margins
Isabella Bank Corporation operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 30.42 |
| Profit Margin | 24.06 |
| EBITDA Margin | 2.66 |
Dividends & Yields
The company's payout ratio of 40.41 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 1.10 |
| Dividend Yield | N/A |
| Payout Ratio | 40.41 |
| Shareholder Yield | -11.82 |
| FCF Yield | 9.89 |
Stock Splits
Isabella Bank Corporation's most recent stock split took place on March 11, 2008 with a 10:11 split ratio.
| Last Split Date | 3/11/2008 |
| Split Ratio | 10:11 |
Scores
Isabella Bank Corporation posts an Altman Z-Score of 0.21, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.21 |