Isabella Bank (ISBA) Stock Price, News & Analysis

Company Overview

Isabella Bank Corporation (NASDAQ: ISBA) is a bank holding company headquartered in Mount Pleasant, Michigan. Through its principal subsidiary, Isabella Bank, the company provides community banking services to individuals, families, farmers and businesses.

Isabella Bank offers deposit products such as checking and savings accounts, money market accounts and certificates of deposit. Its lending activities include residential mortgages, home equity loans, consumer financing, agricultural loans and commercial real estate and business loans. The bank also provides online and mobile banking, electronic payment services and other cash-management solutions.

Founded in 1903, Isabella Bank serves customers through a network of offices in central Michigan. In addition to traditional banking, the organization provides wealth management and trust services, including investment management, retirement planning and estate-related services. Its operations are focused primarily on supporting the financial needs of households and businesses in the communities where it operates.

Key Stats

• Today's Range: $37.41 to $38.34
• 50-Day Range: $37.26 to $41.77
• 52-Week Range: $33.24 to $58.83
• Volume: 18,041 shs
• Average Volume: 40,764 shs
• Market Capitalization: $290.09 million
• P/E Ratio: 13.98
• Dividend Yield: 2.95%
• Price Target: $43.00
• Consensus Rating: Hold

Isabella Bank Stock Analysis - MarketRank™

Isabella Bank scored higher than 86% of companies evaluated by MarketBeat, and ranked 395th out of 833 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.8 / 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 $43.00, representing about 13.1% upside from its current price of $38.02.

Amount of Analyst Coverage

Isabella Bank has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 21.91%

Earnings Growth

Earnings for Isabella Bank are expected to grow by 21.91% in the coming year, from $3.24 to $3.95 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Isabella Bank is 13.98, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.59.

Price to Earnings Ratio vs. Sector

The P/E ratio of Isabella Bank is 13.98, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.76.

Price to Book Value per Share Ratio

Isabella Bank has a P/B Ratio of 1.21. 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

4.21% 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 4.8.

Change versus previous month

Short interest in Isabella Bank has recently decreased by 0.70%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Isabella Bank pays a meaningful dividend of 2.92%, 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 41.18%. 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: 3.0 / 5
• News Sentiment: 0.74

News Sentiment

Isabella Bank has a news sentiment score of 0.74. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.57 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Isabella Bank this week, compared to 2 articles on an average week.

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 $315.00 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.

Company Calendar

• Last Earnings: 7/23/2026
• Record date for 9/30 Dividend: 9/28/2026
• Ex-Dividend for 9/30 Dividend: 9/28/2026
• Dividend Payable: 9/30/2026
• Today: 10/07/2026
• Next Earnings (Estimated): 10/15/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:ISBA
• Previous Symbol: NASDAQ:ISBA
• CIK: 842517
• Web: isabellabank.com
• Phone: (989) 772-9471
• Fax: N/A
• Employees: 379
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Isabella Bank: $43.00
• High Price Target: $43.00
• Low Price Target: $43.00
• Potential Upside/Downside: +13.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.72
• Trailing P/E Ratio: 13.98
• Forward P/E Ratio: 11.73
• P/E Growth: N/A
• Net Income: $18.91 million
• Net Margins: 16.78%
• Pretax Margin: 21.22%
• Return on Equity: 8.48%
• Return on Assets: 0.89%

Debt

• Debt-to-Equity Ratio: 0.12
• Current Ratio: 0.84
• Quick Ratio: 0.84

Sales & Book Value

• Annual Sales: $112 million
• Price / Sales: 2.59
• Cash Flow: $2.89 per share
• Price / Cash Flow: 13.15
• Book Value: $31.55 per share
• Price / Book: 1.21

Miscellaneous

• Outstanding Shares: 7,630,000
• Free Float: 7,528,000
• Market Cap: $290.09 million
• Optionable: N/A
• Beta: 0.06