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Isabella Bank Corp (ISBA)

Isabella Bank Corp is a financial holding company for Isabella Bank, a Michigan-based banking institution serving businesses, institutions, individuals, and families. Through its banking franchise, the company provides a range of deposit products such as checking and savings accounts, certificates of deposit, direct deposit services, and cash management solutions. Its lending activities include commercial, agricultural, residential real estate, and consumer loans, with both secured and unsecured personal lending among the consumer offerings. Isabella Bank Corp also provides mobile and internet banking, investment management, trust and estate services, ATM access, and insurance products. Founded in 1903, the company is headquartered in Mount Pleasant, Michigan, and its common stock is listed on NASDAQ under the ticker ISBA.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-ISBA
$44.17
10.1% Upside
Fair
$47
17.1% Upside
Fair
Fair
—
—
1.12
2.8%
July 21, 2026
14.7x
1.3x
3.6x
292.2 M
—
32.9%
92.5%
-2.1
40.6%
114.9%
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Valuation • Fair Value

Isabella Bank Corp (NASDAQ-ISBA) Fair Value by Valuation Model

Compare the primary fair value estimate for Isabella Bank Corp (NASDAQ-ISBA) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$44.17

Estimated upside of 10.1% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$30.19

Classic Ben Graham valuation formula reference.

DDM Fair Value

$69.30

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$35.79

Comparable-company valuation reference.

Analyst Price Target

$47

Analysts imply upside of 17.1%.

How to read these valuation models

Use this section to compare the primary fair value estimate for Isabella Bank Corp (NASDAQ-ISBA) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Isabella Bank Corp (NASDAQ-ISBA)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

81.552 M

Current operating scale indicator.

Revenue Forecast

92.5 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Isabella Bank Corp (NASDAQ-ISBA) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Isabella Bank Corp (NASDAQ-ISBA)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

6

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-2.1

Lower score that deserves closer risk review.

FCF / Net Income

114.9%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Isabella Bank Corp (NASDAQ-ISBA). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Isabella Bank Corp (NASDAQ-ISBA)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 21, 2026

Days to Earnings

0

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

2.8%

Income yield reference.

Upcoming Dividend

1.12

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

40.6%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Isabella Bank Corp (NASDAQ-ISBA), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Isabella Bank Corp (NASDAQ-ISBA) Stock Forecast & Technical Outlook

Review Isabella Bank Corp (NASDAQ-ISBA) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Isabella Bank Corp (NASDAQ-ISBA) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Isabella Bank Corp (NASDAQ-ISBA) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Neutral

The daily technical read for Isabella Bank Corp (NASDAQ-ISBA) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Sell

The weekly technical read for Isabella Bank Corp (NASDAQ-ISBA) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Buy

The monthly technical read for Isabella Bank Corp (NASDAQ-ISBA) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Isabella Bank Corp (NASDAQ-ISBA)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Isabella Bank Corp (NASDAQ-ISBA) has a Hold consensus, with 0 buy, 1 hold and 0 sell recommendations in the current data set.

Buy 0
Hold 1
Sell 0
FAQ • Fast Investor Answers

Isabella Bank Corp (NASDAQ-ISBA) Stock FAQ

Quick answers about Isabella Bank Corp (NASDAQ-ISBA) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$44.17
Estimated upside 10.1%
Valuation Rating
Undervalued
Estimated upside of 10.1%
Analyst Target
$47
Implied upside 17.1%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Isabella Bank Corp (NASDAQ-ISBA) is $44.17. This implies an estimated upside of 10.1% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 10.1% versus the current market price.

The available analyst price target for Isabella Bank Corp (NASDAQ-ISBA) is $47. The analyst target implies estimated upside of 17.1%.

The current financial health read for Isabella Bank Corp (NASDAQ-ISBA) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Isabella Bank Corp (NASDAQ-ISBA) is July 21, 2026.

Based on the current data, dividend yield is 2.8%, upcoming dividend amount is 1.12.

The current P/E ratio listed for Isabella Bank Corp (NASDAQ-ISBA) is 14.7x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Isabella Bank Corp is 292.2 M.

The ticker symbol for Isabella Bank Corp is NASDAQ-ISBA, and the stock is listed on NASDAQ.

Isabella Bank Corp (NASDAQ-ISBA) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Isabella Bank Corp is 32.9%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Isabella Bank Corp is 92.5%. Free float helps investors understand how much of the share base is available for public trading.

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