Isabella Bank Corporation
General ticker "ISBA" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $322.2M (TTM average)
Isabella Bank Corporation does not follow the US Stock Market performance with the rate: -22.6%.
Estimated limits based on current volatility of 1.5%: low 36.02$, high 37.13$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-09-28, amount 0.28$ (Y3.05%)
- Total employees count: 362 (-1.6%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Liquidity and credit risks, Operational and conduct risks, Market risk, Regulatory and compliance, Market competition
- Earnings for 6 months up through Q2 are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [39.23$, 53.81$]
- 2026-12-31 to 2027-12-31 estimated range: [37.58$, 52.74$]
Financial Metrics affecting the ISBA estimates:
- Positive: with PPE of 20.9 at the end of fiscal year the price was neutral
- Positive: 22.58 < Operating profit margin, % of 30.73
- Positive: 6.77 < Operating cash flow per share per price, % of 7.03
- Positive: -0.55 < Return on assets ratio (scaled to [-100,100]) of 0.85
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Interest expense per share per price, % of 8.77 <= 10.35
- Positive: 9.52 < Industry operating cash flow per share per price (median), % of 10.78
- Positive: 14.78 < Industry operating profit margin (median), % of 24.03
- Negative: 7.04 < Shareholder equity ratio, % of 10.47 <= 12.78
Short-term ISBA quotes
Long-term ISBA plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $71.77MM | $70.41MM | $78.51MM |
| Operating Expenses | $49.94MM | $54.01MM | $54.39MM |
| Operating Income | $21.83MM | $16.40MM | $24.12MM |
| Interest Expense | $21.69MM | $34.14MM | $33.49MM |
| Income(Loss) | $21.83MM | $16.40MM | $24.12MM |
| Taxes | $3.67MM | $2.51MM | $5.21MM |
| Net Income(Loss)* | $18.17MM | $13.89MM | $18.91MM |
| Stockholders Equity | $202.40MM | $210.28MM | $231.40MM |
| Assets | $2,058.97MM | $2,086.24MM | $2,209.45MM |
| Operating Cash Flow | $24.18MM | $19.64MM | $26.82MM |
| Capital expenditure | $4.06MM | $2.11MM | $3.48MM |
| Investing Cash Flow | $-26.25MM | $-37.87MM | $-115.88MM |
| Financing Cash Flow | $-3.19MM | $9.10MM | $90.56MM |
| Earnings Per Share** | $2.42 | $1.86 | $2.56 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.