Isabella Bank (ISBA) Stock Price, News & Analysis

Company Overview

Isabella Bank (OTCMKTS:ISBA) is a locally owned bank holding company headquartered in Mount Pleasant, Michigan. Operating as a community bank, it provides a full range of banking services to individuals and businesses through its network of branch offices and digital channels. The bank focuses on building long-term client relationships and supporting economic development in the Central Michigan region.

The bank’s core offerings include personal deposit products such as checking and savings accounts, certificates of deposit and money market accounts, along with online and mobile banking platforms. On the lending side, Isabella Bank delivers residential mortgage financing, consumer installment loans and home equity lines of credit. For business customers, it provides commercial real estate loans, equipment financing, lines of credit and treasury management solutions designed to streamline cash flow and payments.

In addition to traditional banking and lending services, Isabella Bank offers trust and wealth management services to help clients with financial planning, investment management and estate administration. The bank also partners with insurance and retirement planning specialists to provide comprehensive risk management and retirement income solutions.

Serving communities across Central and Northern Michigan, Isabella Bank maintains a strong emphasis on community involvement and local decision-making. With roots as a community-focused institution, the bank leverages its local knowledge and decision authority to deliver personalized service and support growth in the region it has served for generations.

Key Stats

• Today's Range: $35.36 to $37.00
• 50-Day Range: $31.54 to $37.23
• 52-Week Range: $20.10 to $44.99
• Volume: 9,351 shs
• Average Volume: 10,160 shs
• Market Capitalization: $263.49 million
• P/E Ratio: 19.25
• Dividend Yield: 3.13%
• Price Target: $34.00
• Consensus Rating: Hold

Isabella Bank Stock Analysis - MarketRank™

Isabella Bank scored higher than 19% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

Isabella Bank has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 1 hold rating, and no sell ratings.

Downside Risk

Isabella Bank has a consensus price target of $34.00, representing about 5.0% downside from its current price of $35.80.

Amount of Analyst Coverage

Isabella Bank has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 13.33%

Earnings Growth

Earnings for Isabella Bank are expected to grow by 13.33% in the coming year, from $2.25 to $2.55 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Isabella Bank is 19.25, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 211.16.

Price to Earnings Ratio vs. Sector

The P/E ratio of Isabella Bank is 19.25, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 26.84.

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: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for ISBA.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Isabella Bank pays a meaningful dividend of 3.19%, 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 51.14%. 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 43.92% next year. This indicates that Isabella Bank will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Short Interest

There is no current short interest data available for ISBA.

News and Social Media

• Score: 0.0 / 5
• News Sentiment: N/A

News Coverage This Week

MarketBeat has tracked 1 news article for Isabella Bank this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Isabella Bank insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 9.70% of the stock of Isabella Bank is held by insiders.

ISBA Stock Analysis - Frequently Asked Questions

How have ISBA shares performed this year?

Isabella Bank's stock was trading at $25.99 at the beginning of the year. Since then, ISBA stock has increased by 37.7% and is now trading at $35.80.

How were Isabella Bank's earnings last quarter?

Isabella Bank Co. (OTCMKTS:ISBA) announced its earnings results on Thursday, April, 17th. The company reported $0.57 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $0.52 by $0.05. The firm had revenue of $18.05 million for the quarter, compared to the consensus estimate of $18.50 million. Isabella Bank had a net margin of 13.28% and a trailing twelve-month return on equity of 7.34%.

How will Isabella Bank's stock buyback program work?

Isabella Bank's board initiated a share buyback plan on Thursday, May 1st 2025, which permits the company to repurchase 0 shares, according to EventVestor. This permits the company to repurchase shares of its stock through open market purchases. Shares buyback plans are generally an indication that the company's leadership believes its stock is undervalued.

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

• Last Earnings: 4/17/2025
• Today: 10/19/2025
• Next Earnings (Estimated): 10/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:ISBA
• Previous Symbol: NASDAQ:ISBA
• CIK: 842517
• Web: ir.isabellabank.com
• Phone: (989) 772-9471
• Fax: N/A
• Employees: 330
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Isabella Bank: $34.00
• High Price Target: $34.00
• Low Price Target: $34.00
• Potential Upside/Downside: -5.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.19
• Trailing P/E Ratio: 19.25
• Forward P/E Ratio: 15.91
• P/E Growth: N/A
• Net Income: $13.89 million
• Net Margins: 13.28%
• Pretax Margin: 15.79%
• Return on Equity: 7.34%
• Return on Assets: 0.73%

Debt

• Debt-to-Equity Ratio: 0.45
• Current Ratio: 0.81
• Quick Ratio: 0.81

Sales & Book Value

• Annual Sales: $70.49 million
• Price / Sales: 3.74
• Cash Flow: $4.26 per share
• Price / Cash Flow: 8.40
• Book Value: $27.02 per share
• Price / Book: 1.32

Miscellaneous

• Outstanding Shares: 7,360,000
• Free Float: 6,704,000
• Market Cap: $263.49 million
• Optionable: Not Optionable
• Beta: 0.12