ISBA logo

ISABELLA BANK CORP

ISBANASDAQ
๐Ÿ† #2838 by market capEarnings Oct 26US Equity
$40.89โ–ฒ $0.61 (+1.49%)
Market closed ยท at close
1hโ€”
24hโ–ฒ 1.5%
7dโ–ผ 0.4%
14dโ–ฒ 2.5%
30dโ–ฒ 3.7%
1yโ–ฒ 32.3%
๐ŸฆMarket Cap
$300M
Small Cap
๐Ÿ“ˆRevenue Growth (YoY)
+10.1%
Healthy
๐Ÿ“ŠGross Margin
67.7%
High
๐Ÿ’ตFCF Margin
22.4%
Strong
โš–๏ธP/S Ratio
2.8x
Cheap
Otter Score
45
Weak

Trading Snapshot

Day Range
$40.31 โ€“ $41.24
52-Week Range
$29.52 โ€“ $58.83
Volume
$2.90B
Avg Volume
$2.86B
Shares Outstanding
7.3M
Next Earnings
Sep 10, 2026

Fundamentals Snapshot

Annual Revenue
$112M
Last Q Revenue
$17M
P/E Ratio
15.0
P/S Ratio
2.8x
EPS (TTM)
$2.72
Dividend Yield
2.74%

Why Investors Own ISBA

  • โœ“High-growth profile โ€” revenue up +54.7% YoY with expanding US Equity exposure.
  • โœ“Healthy economics โ€” 60% gross margin and 25% free-cash-flow margin.
  • โœ“New products and segments could unlock additional revenue streams.
โš ๏ธ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$112Mโ–ฒ +53.3% YoY
Gross Margin (TTM)
59.5%โ–ฒ +3.9% YoY
Operating Income (TTM)
$18Mโ–ฒ +53.3% YoY
Free Cash Flow (TTM)
$28Mโ–ฒ +53.3% YoY

About ISABELLA BANK CORP

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.

๐Ÿฆฆ

Otter Score Breakdown

โ“˜
๐Ÿ’ŽQualityโ˜…โ˜…โ˜…โ˜…โ˜…
๐Ÿš€Growthโ˜…โ˜…โ˜…โ˜…โ˜…
โš–๏ธValuationโ˜…โ˜…โ˜…โ˜…โ˜…
โšกMomentumโ˜…โ˜…โ˜…โ˜…โ˜…
Overall Score
Weak
45/100

Analyst Ratings

โ“˜
Consensus
Sell
10 analysts
Strong Buy0
Buy0
Hold6
Sell2
Strong Sell2
Ratings as of Aug 2026

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