Isabella Bank Corporation
NASDAQ Capital MarketTotal Valuation
Isabella Bank Corporation carries a market capitalization of 293.16M, placing it among publicly traded companies globally. Its enterprise value stands at -115.11M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 293.16M |
| Enterprise Value | -115.11M |
Share Statistics
Isabella Bank Corporation currently has 7.20M shares outstanding.
| Shares Outstanding | 7.20M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Isabella Bank Corporation trades at a trailing price-to-earnings ratio of 16.85. The price-to-sales ratio is 4.23, and the price-to-book ratio stands at 1.40.
| PE Ratio | 16.85 |
| PS Ratio | 4.23 |
| PB Ratio | 1.40 |
| P/TBV Ratio | 1.81 |
| P/FCF Ratio | 11.61 |
| P/OCF Ratio | 12.96 |
Enterprise Valuation
On an enterprise value basis, Isabella Bank Corporation trades at an EV/EBITDA multiple of 321.00 and an EV/FCF ratio of 8.29.
| EV / Sales | 8.87 |
| EV / EBITDA | 321.00 |
| EV / EBIT | N/A |
| EV / FCF | 8.29 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 12.62 |
| Debt / EBITDA | 13.64 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 8.48 |
| Return on Assets (ROA) | 0.92 |
| 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 20.94.
| Income Tax | 5.29M |
| Effective Tax Rate | 20.94 |
Stock Price Statistics
Isabella Bank Corporation's stock has gained approximately 23.01538% over the past 52 weeks. The 50-day moving average sits at 40.94, while the 200-day moving average is 44.20.
| Beta (5Y) | N/A |
| 52-Week Price Change | 23.01538% |
| 50-Day Moving Average | 40.94 |
| 200-Day Moving Average | 44.20 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Isabella Bank Corporation generated 79.42M in revenue and converted that into 19.95M in net income, yielding earnings per share of 2.71.
| Revenue | 79.42M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 25.24M |
| Net Income | 19.95M |
| EBITDA | 2.17M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 2.71 |
Balance Sheet
Isabella Bank Corporation holds 480.87M in cash and equivalents against 29.54M in total debt, resulting in a net debt position of -20.57M.
| Cash & Cash Equivalents | 480.87M |
| Total Debt | 29.54M |
| Net Debt | -20.57M |
| Equity (Book Value) | 240.04M |
| Book Value Per Share | 32.61 |
| Working Capital | N/A |
Cash Flow
Isabella Bank Corporation produced 25.95M in operating cash flow over the past twelve months. After subtracting -3.03M in capital expenditures, free cash flow totaled 22.92M - equivalent to 3.11 per share.
| Operating Cash Flow | 25.95M |
| Capital Expenditures | -3.03M |
| Free Cash Flow | 22.92M |
| FCF Per Share | 3.11 |
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 | 31.78 |
| Profit Margin | 25.12 |
| EBITDA Margin | 2.73 |
Dividends & Yields
The company's payout ratio of 40.61 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 1.10 |
| Dividend Yield | N/A |
| Payout Ratio | 40.61 |
| Shareholder Yield | -34.93 |
| FCF Yield | 8.61 |
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 |