Isabella Bank (ISBA) Stock Price, News & Analysis

Company Overview

Isabella Bank (NASDAQ: ISBA) is a community bank headquartered in Mount Pleasant, Michigan, serving individuals and businesses across mid-Michigan. The bank delivers a broad array of financial products, including checking and savings accounts, money market accounts, certificates of deposit, and online and mobile banking platforms designed to meet everyday banking needs.

On the commercial side, Isabella Bank offers business lending solutions such as lines of credit, term loans, and equipment financing, alongside treasury management, merchant services, and payroll processing to help companies manage cash flow and streamline operations. Residential mortgage lending is also a key focus, with home purchase and refinancing options available for first-time buyers and existing homeowners.

Wealth management and trust services form another cornerstone of the bank’s offerings. Through its trust department, Isabella Bank provides personalized investment strategies, estate planning, and fiduciary oversight aimed at preserving and growing client assets over the long term. This suite of services is tailored to meet the complex needs of families, individuals, and businesses seeking professional stewardship of their wealth.

With a network of branches and ATMs strategically located in Isabella County and surrounding communities, Isabella Bank emphasizes local decision-making and personalized customer service. By combining community-focused banking with digital tools, the institution seeks to deliver convenience and flexibility without sacrificing the close relationships that define regional banking.

Key Stats

• Today's Range: $39.75 to $41.54
• 50-Day Range: $39.81 to $49.92
• 52-Week Range: $24.68 to $58.83
• Volume: 31,727 shs
• Average Volume: 40,729 shs
• Market Capitalization: $304.49 million
• P/E Ratio: 15.33
• Dividend Yield: 2.70%
• Price Target: $47.00
• Consensus Rating: Hold

Isabella Bank Stock Analysis - MarketRank™

Isabella Bank scored higher than 74% of companies evaluated by MarketBeat, and ranked 26th out of 69 stocks in the financial services sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.6 / 5
• Analyst Rating: Hold

Consensus Rating

Isabella Bank has received a consensus rating of Hold. The company's average rating score is 2.33, and is based on no strong buy ratings, 1 buy rating, 2 hold ratings, and no sell ratings.

Upside Potential

Isabella Bank has a consensus price target of $47.00, representing about 13.1% upside from its current price of $41.54.

Amount of Analyst Coverage

Isabella Bank has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 11.27%

Earnings Growth

Earnings for Isabella Bank are expected to grow by 11.27% in the coming year, from $3.55 to $3.95 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Isabella Bank is 15.33, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.38.

Price to Earnings Ratio vs. Sector

The P/E ratio of Isabella Bank is 15.33, which means that it is trading at a less expensive P/E ratio than the Financial Services sector average P/E ratio of about 16.00.

Price to Book Value per Share Ratio

Isabella Bank has a P/B Ratio of 1.32. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.35% of the float of Isabella Bank has been sold short.

Short Interest Ratio / Days to Cover

Isabella Bank has a short interest ratio ("days to cover") of 3.44, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Isabella Bank has recently increased by 6.81%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Isabella Bank pays a meaningful dividend of 2.74%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Isabella Bank does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Isabella Bank is 41.33%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Isabella Bank will have a dividend payout ratio of 28.35% next year. This indicates that Isabella Bank will be able to sustain or increase its dividend.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 1.5 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Isabella Bank insiders have bought more of their company's stock than they have sold. Specifically, they have bought $909.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

1.32% of the stock of Isabella Bank is held by insiders.

Percentage Held by Institutions

Isabella Bank has minimal institutional ownership at this time.

ISBA Stock Analysis - Frequently Asked Questions

How have ISBA shares performed this year?

Isabella Bank's stock was trading at $50.00 at the beginning of the year. Since then, ISBA shares have decreased by 16.9% and is now trading at $41.54.

How were Isabella Bank's earnings last quarter?

Isabella Bank Corporation (NASDAQ:ISBA) released its earnings results on Thursday, April, 23rd. The company reported $0.68 earnings per share for the quarter, missing analysts' consensus estimates of $0.78 by $0.10. The company had revenue of $21.41 million for the quarter, compared to analysts' expectations of $21.70 million. Isabella Bank had a net margin of 17.30% and a trailing twelve-month return on equity of 8.40%.

How will Isabella Bank's stock buyback program work?

Isabella Bank's Board of Directors initiated a share buyback program on Thursday, May 1st 2025, which authorizes the company to buy back 0 outstanding shares, according to EventVestor. This authorizes the company to reacquire shares of its stock through open market purchases. Stock repurchase programs are often a sign that the company's leadership believes its shares are undervalued.

Who are Isabella Bank's major shareholders?

Top institutional investors of Isabella Bank include Dimensional Fund Advisors LP (0.12%). Insiders that own company stock include Jae A Evans, Michael P Prisby, Neil Michael Mcdonnell, Jill Bourland, Brian Roy Sackett and David Brian Behen.
View institutional ownership trends.

How do I buy shares of Isabella Bank?

Shares of ISBA stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Isabella Bank own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Isabella Bank investors own include JPMorgan Chase & Co. (JPM), PayPal (PYPL), Sinclair (SBGI), Avino Silver & Gold Mines (ASM), Taiwan Semiconductor Manufacturing (TSM), Toro (TTC) and United Microelectronics (UMC).

Company Calendar

• Record date for 3/31 Dividend: 3/27/2026
• Ex-Dividend for 3/31 Dividend: 3/27/2026
• Dividend Payable: 3/31/2026
• Last Earnings: 4/23/2026
• Today: 5/08/2026
• Next Earnings (Estimated): 7/23/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Financial Services
• Industry: State Commercial Banks – Fed Reserve System
• Sub-Industry: Banking
• Current Symbol: NASDAQ:ISBA
• Previous Symbol: NASDAQ:ISBA
• CIK: 842517
• Web: N/A
• Phone: (989) 772-9471
• Fax: N/A
• Employees: 330
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Isabella Bank: $47.00
• High Price Target: $47.00
• Low Price Target: $47.00
• Potential Upside/Downside: +13.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.71
• Trailing P/E Ratio: 15.33
• Forward P/E Ratio: 11.70
• P/E Growth: N/A
• Net Income: $18.91 million
• Net Margins: 17.30%
• Pretax Margin: 21.54%
• Return on Equity: 8.40%
• Return on Assets: 0.86%

Debt

• Debt-to-Equity Ratio: 0.62
• Current Ratio: 0.85
• Quick Ratio: 0.85

Sales & Book Value

• Annual Sales: $112 million
• Price / Sales: 2.72
• Cash Flow: $2.97 per share
• Price / Cash Flow: 14.00
• Book Value: $31.55 per share
• Price / Book: 1.32

Miscellaneous

• Outstanding Shares: 7,330,000
• Free Float: 7,236,000
• Market Cap: $304.49 million
• Optionable: N/A
• Beta: N/A