Isabella Bank (ISBA) Stock Price, News & Analysis

Company Overview

Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides various banking products and services to businesses, institutions, and individuals and their families. Its deposit products include checking accounts, savings accounts, certificates of deposit, direct deposits, and money market accounts. The company's loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans, including secured and unsecured personal loans. It also offers cash management, mobile and internet banking, electronic bill pay, automated teller machines, trust and investment, estate planning, and safe deposit box rental services; and insurance products. The company operated banking offices in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. Isabella Bank Corporation was founded in 1903 and is headquartered in Mount Pleasant, Michigan.

Key Stats

• Today's Range: $28.59 to $33.98
• 50-Day Range: $26.00 to $39.01
• 52-Week Range: $17.55 to $44.99
• Volume: 11,391 shs
• Average Volume: 8,887 shs
• Market Capitalization: $211.08 million
• P/E Ratio: 15.37
• Dividend Yield: 3.92%
• Price Target: $28.00
• Consensus Rating: Hold

Isabella Bank Stock Analysis - MarketRank™

Isabella Bank scored higher than 46% 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: 1.0 / 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.

Amount of Analyst Coverage

Isabella Bank has received no research coverage 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 15.37, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.66.

Price to Earnings Ratio vs. Sector

The P/E ratio of Isabella Bank is 15.37, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.05.

Price to Book Value per Share Ratio

Isabella Bank has a P/B Ratio of 1.06. 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: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

Isabella Bank is a leading dividend payer. It pays a dividend yield of 3.92%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

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

Dividend Coverage

The dividend payout ratio of Isabella Bank is 56.85%. 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: 2.4 / 5
• News Sentiment: 0.34

News Sentiment

Isabella Bank has a news sentiment score of 0.34. 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 lower news sentiment than the 0.73 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Isabella Bank this week, compared to 1 article on an average week.

Search Interest

1 people have searched for ISBA on MarketBeat in the last 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Isabella Bank insiders have sold 160.36% more of their company's stock than they have bought. Specifically, they have bought $10,712.00 in company stock and sold $27,890.00 in 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 on January 1st, 2025. Since then, ISBA shares have increased by 10.0% and is now trading at $28.59.

How were Isabella Bank's earnings last quarter?

Isabella Bank Co. (OTCMKTS:ISBA) issued its earnings results on Thursday, April, 17th. The company reported $0.57 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $0.52 by $0.05. The business earned $18.05 million during 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 authorized a stock buyback plan on Thursday, May 1st 2025, which authorizes the company to repurchase 0 shares, according to EventVestor. This authorizes the company to repurchase shares of its stock through open market purchases. Shares buyback plans are often 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
• Record date for 6/30 Dividend: 6/26/2025
• Ex-Dividend for 6/30 Dividend: 6/26/2025
• Dividend Payable: 6/30/2025
• Today: 7/06/2025
• Next Earnings (Estimated): 7/24/2025
• 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 Stock Price Target: $28.00
• High Stock Price Target: $28.00
• Low Stock Price Target: $28.00
• Potential Upside/Downside: -2.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.97
• Trailing P/E Ratio: 15.37
• Forward P/E Ratio: 12.71
• 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: $68.90 million
• Price / Sales: 3.06
• Cash Flow: $3.40 per share
• Price / Cash Flow: 8.40
• Book Value: $27.02 per share
• Price / Book: 1.06

Miscellaneous

• Outstanding Shares: 7,383,000
• Free Float: 6,704,000
• Market Cap: $211.08 million
• Optionable: Not Optionable
• Beta: 0.10