ISBA logo

ISABELLA BANK CORP

ISBANASDAQ
๐Ÿ† #3382 by market capEarnings Nov 9 ยท PostUS Equity
$37.47โ–ผ $0.55 (โˆ’1.47%)
๐ŸŒ… Pre-market$37.47โ–ฒ 0.00%Regular close ยท extended-hours price shown
๐Ÿ””
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24hโ–ผ 1.5%
7dโ–ผ 0.1%
14dโ–ผ 1.5%
30dโ–ผ 3.0%
ytdโ–ผ 25.0%
1yโ–ฒ 6.7%
๐ŸฆMarket Cap
$275M
Small Cap
๐Ÿ“ˆRevenue Growth (YoY)
+10.1%
Healthy
๐Ÿ“ŠGross Margin
67.7%
High
๐Ÿ’ตFCF Margin
22.4%
Strong
โš–๏ธP/S Ratio
2.6x
Cheap
Otter Score
92
Very Good

Trading Snapshot

Day Range
$36.94 โ€“ $37.79
52-Week Range
$33.24 โ€“ $58.83
Volume
$2.90B
Avg Volume
$2.86B
Shares Outstanding
7.3M
Next Earnings
Oct 30, 2026

Fundamentals Snapshot

Annual Revenue
$112M
Last Q Revenue
$17M
P/E Ratio
13.8
P/S Ratio
2.6x
EPS (TTM)
$2.72
Dividend Yield
2.99%
Dilution (1yr)
โˆ’1.0%

Why Investors Own ISBA

  • โœ“High-growth profile โ€” revenue up +54.7% YoY with expanding US Equity exposure.
  • โœ“Healthy economics โ€” 60% gross margin and 25% free-cash-flow margin.
  • โœ“New products and segments could unlock additional revenue streams.
โš ๏ธ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

ISBA logo

ISABELLA BANK CORP

ISBA
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$112Mโ–ฒ +10.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
70.6%โ–ฒ +9.3% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isnโ€™t profitable yet.
$22Mโ–ฒ +35.0% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$23Mโ–ฒ +33.1% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing ownerโ€™s slice.
7.4Mโ–ผ โˆ’1.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
โˆ’$116Mโ–ผ โˆ’$28M YoY
StockOtter ยท stockotter.space

About ISABELLA BANK CORP

Isabella Bank Corporation serves as the parent company for Isabella Bank, providing a comprehensive suite of banking products and financial services. Its diverse clientele includes businesses, institutions, private individuals, and families. The bank facilitates savings through various deposit options, such as checking and savings accounts, certificates of deposit (CDs), direct deposit services, and money market accounts. Its lending solutions are extensive, comprising commercial, agricultural, and residential real estate loans, alongside consumer credit offerings, including both secured and unsecured personal loans. Beyond core banking, Isabella Bank Corporation offers a range of additional amenities. These include cash management tools, mobile and internet banking platforms, electronic bill payment, automated teller machines (ATMs), specialized trust and investment advisory, estate planning assistance, and safe deposit box rentals. The corporation also extends its services to include group life, health, accident, and disability insurance products, as well as various other employee benefit programs. As of December 31, 2021, the company maintained 30 branch locations situated in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. With a heritage dating back to its founding in 1903, Isabella Bank Corporation is headquartered in Mount Pleasant, Michigan.

๐Ÿฆฆ

Otter Score Breakdown

How it's scoredFive components, each rated 1โ€“5โ˜… and equally weighted (20%), averaged to a 0โ€“100 score:๐Ÿ’Ž Quality โ€” gross margin๐Ÿš€ Growth โ€” revenue YoYโš–๏ธ Valuation โ€” P/S ratioโšก Momentum โ€” 30-day price change๐Ÿ’ง Dilution โ€” 1-yr share issuance (buybacks score higher)
๐Ÿ’ŽQualityโ˜…โ˜…โ˜…โ˜…โ˜…
๐Ÿš€Growthโ˜…โ˜…โ˜…โ˜…โ˜…
โš–๏ธValuationโ˜…โ˜…โ˜…โ˜…โ˜…
โšกMomentumโ˜…โ˜…โ˜…โ˜…โ˜…
๐Ÿ’งDilutionโ˜…โ˜…โ˜…โ˜…โ˜…
Overall Score
Very Good
92/100

Analyst Ratings

โ“˜
Consensus
Sell
10 analysts
Strong Buy0
Buy0
Hold6
Sell2
Strong Sell2
Ratings as of Sep 2026

Latest News & Updates

Accesswireยท2d ago

Isabella Bank Corporation and Grand River Commerce, Inc. Announce Mailing of Election Materials and Election Deadline

MT PLEASANT, MI AND GRANDVILLE, MI / ACCESS Newswire / September 28, 2026 / Isabella Bank Corporation ("Isabella") (NASDAQ:ISBA) and Grand River Commerce, Inc. ("Grand River") (OTCQX:GNRV) announced today the mailing of

AccesswireยทAug 27

Isabella Bank Corporation Announces Third Quarter 2026 Dividend

MOUNT PLEASANT, MI / ACCESS Newswire / August 27, 2026 / Isabella Bank Corporation (Nasdaq:ISBA) today announced its Board of Directors declared a third-quarter cash dividend of $0.28 per common share at its regular meet

Seeking AlphaยทJul 25

Isabella Bank Struggles To Keep Pace With Expectations

Isabella Bank Corporation remains a Hold as recent earnings disappoint and valuation normalizes after a sharp price decline. ISBA's Q2 2026 EPS missed by 25%, marking the third consecutive earnings miss and highlighting

Zacks Investment ResearchยทJul 23

Isabella Bank Corporation (ISBA) Lags Q2 Earnings and Revenue Estimates

Isabella Bank Corporation (ISBA) came out with quarterly earnings of $0.69 per share, missing the Zacks Consensus Estimate of $0.92 per share. This compares to earnings of $0.55 per share a year ago.

AccesswireยทJul 23

Isabella Bank Corporation Reports Second Quarter 2026 Earnings

MOUNT PLEASANT, MI / ACCESS Newswire / July 23, 2026 / Isabella Bank Corporation (Nasdaq:ISBA) ("Isabella" or the "Company") reported net income of $5.0 million, or $0.69 per diluted share, for the second quarter 2026 co

AccesswireยทJul 2

Isabella Bank Corporation Added to Russell 2000 Index

MOUNT PLEASANT, MI / ACCESS Newswire / July 2, 2026 / Isabella Bank Corporation ("Isabella") (NASDAQ:ISBA) (the "Company"), the holding company for Isabella Bank, today announced it has been added to the Russell 2000ยฎ In