Isabella Bank Corp
General ticker "ISBA" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $186.6M
Isabella Bank Corp follows the US Stock Market performance with the rate: 32.5%.
Estimated limits based on current volatility of 2.0%: low 24.75$, high 25.77$
Factors to consider:
- Company pays dividends: last record date 2024-12-16, amount 0.28$ (Y4.31%)
- Current price 13.8% above estimated high
- Earnings for 9 months up through Q3 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 2023-12-31 to 2025-12-30
- 2023-12-31 to 2024-12-30 estimated range: [15.81$, 22.83$]
- 2024-12-30 to 2025-12-30 estimated range: [17.58$, 24.78$]
Financial Metrics affecting the ISBA estimates:
- Positive: Operating cash flow per share per price, % of 15.49 > 12.76
- Positive: Non-GAAP EPS, $ of 2.40 > 2.29
- Negative: Interest expense per share, $ of 2.89 > 0.74
- Positive: -3.48 < Investing cash flow per share, $ of -3.43
- Positive: Operating profit margin, % of 30.69 > 19.51
- Positive: -0.25 < Return on assets ratio (scaled to [-100,100]) of 0.87
Short-term ISBA quotes
Long-term ISBA plot with estimates
Financial data
| YTD | 2021-12-31 | 2022-12-31 | 2023-12-31 |
|---|---|---|---|
| Operating Revenue | $63.86MM | $71.23MM | $71.14MM |
| Operating Expenses | $40.52MM | $39.07MM | $49.31MM |
| Operating Income | $23.35MM | $32.16MM | $21.83MM |
| Non-Operating Income | $0.00MM | $-5.32MM | $0.00MM |
| Interest Expense | $7.41MM | $5.32MM | $21.69MM |
| Income(Loss) | $23.35MM | $26.84MM | $21.83MM |
| Taxes | $3.85MM | $4.61MM | $3.67MM |
| Profit(Loss) | $19.50MM | $22.24MM | $18.17MM |
| Stockholders Equity | $211.05MM | $186.21MM | $202.40MM |
| Inventory | $111.34MM | $46.84MM | $0.00MM |
| Assets | $2,032.16MM | $2,030.27MM | $2,058.97MM |
| Operating Cash Flow | $25.50MM | $26.94MM | $23.71MM |
| Capital expenditure | $1.59MM | $3.21MM | $4.06MM |
| Investing Cash Flow | $-229.63MM | $-106.25MM | $-25.78MM |
| Financing Cash Flow | $62.82MM | $12.91MM | $-3.19MM |
| Earnings Per Share* | $2.48 | $2.95 | $2.42 |
* EPS are Split Adjusted, recent splits may be reflected with a delay.