Isabella Bank (ISBA) Stock Price, News & Analysis

Company Overview

Isabella Bank (OTCMKTS:ISBA) is a community-oriented financial institution headquartered in Mount Pleasant, Michigan. The bank offers a comprehensive range of banking solutions tailored to individuals, families and small to mid-sized businesses. Through its network of full-service branches, Isabella Bank delivers personal and commercial checking and savings accounts, certificates of deposit (CDs), and online banking services designed to meet the evolving needs of its clientele.

In addition to traditional deposit accounts, Isabella Bank provides lending products that include residential and commercial mortgages, home equity lines of credit (HELOCs), construction loans and business lines of credit. The bank’s wealth management division offers trust and investment services, retirement planning and estate administration. Digital banking tools—featuring mobile check deposit, online bill pay and electronic statements—enhance convenience for customers while maintaining robust security protocols.

Founded in 1891 as the Isabella County Savings Bank, Isabella Bank has grown steadily over more than a century, expanding its footprint across Central Michigan. The institution is committed to community development and supports local organizations through philanthropic partnerships and volunteer initiatives. Isabella Bank’s executive management team, led by its President and CEO, draws on deep industry experience to pursue strategic growth while preserving the personalized service that defines its community banking heritage.

Key Stats

• Today's Range: $31.27 to $31.57
• 50-Day Range: $27.01 to $39.01
• 52-Week Range: $17.55 to $44.99
• Volume: 5,729 shs
• Average Volume: 8,946 shs
• Market Capitalization: $230.87 million
• P/E Ratio: 16.81
• Dividend Yield: 3.58%
• Price Target: $28.00
• Consensus Rating: Hold

Isabella Bank Stock Analysis - MarketRank™

Isabella Bank scored higher than 42% 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 16.81, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.49.

Price to Earnings Ratio vs. Sector

The P/E ratio of Isabella Bank is 16.81, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.15.

Price to Book Value per Share Ratio

Isabella Bank has a P/B Ratio of 1.16. 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 3.58%, 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: 1.9 / 5
• News Sentiment: 0.50

News Sentiment

Isabella Bank has a news sentiment score of 0.50. 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 0.75 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.

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 153.55% more of their company's stock than they have bought. Specifically, they have bought $11,000.00 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 20.3% and is now trading at $31.27.

How were Isabella Bank's earnings last quarter?

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

How will Isabella Bank's stock buyback program work?

Isabella Bank's board authorized a share repurchase program on Thursday, May 1st 2025, which allows the company to repurchase 0 shares, according to EventVestor. This allows the company to reacquire shares of its stock through open market purchases. Stock repurchase programs are generally an indication that the company's management 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: 7/19/2025
• 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 Price Target for Isabella Bank: $28.00
• High Price Target: $28.00
• Low Price Target: $28.00
• Potential Upside/Downside: -10.5%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.97
• Trailing P/E Ratio: 16.81
• Forward P/E Ratio: 13.90
• 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: 3.35
• Cash Flow: $3.72 per share
• Price / Cash Flow: 8.40
• Book Value: $27.02 per share
• Price / Book: 1.16

Miscellaneous

• Outstanding Shares: 7,383,000
• Free Float: 6,704,000
• Market Cap: $230.87 million
• Optionable: Not Optionable
• Beta: 0.10