Isabella Bank Corporation
General ticker "ISBA" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $215.4M (TTM average)
Isabella Bank Corporation follows the US Stock Market performance with the rate: 44.6%.
Estimated limits based on current volatility of 4.9%: low 42.31$, high 46.26$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-09-26, amount 0.28$ (Y2.40%)
- Total employees count: 368 (+3.4%) as of 2024
- 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
- Current price 56.8% above estimated high
- Earnings for 9 months up through Q3 exceed 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 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [22.49$, 29.81$]
- 2025-12-31 to 2026-12-31 estimated range: [23.62$, 31.55$]
Financial Metrics affecting the ISBA estimates:
- Positive: with PPE of 14.0 at the end of fiscal year the price was neutral
- Positive: 7.86 < Operating profit margin, % of 16.12
- Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.33
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Positive: 6.82 < Operating cash flow per share per price, % of 10.21
- Negative: Shareholder equity ratio, % of 10.08 <= 18.93
- Positive: Industry operating profit margin (median), % of 19.98 > 9.92
- Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of 0.66
Short-term ISBA quotes
Long-term ISBA plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $76.55MM | $90.76MM | $101.71MM |
| Operating Expenses | $49.71MM | $68.93MM | $85.31MM |
| Operating Income | $26.84MM | $21.83MM | $16.40MM |
| Interest Expense | $5.32MM | $21.69MM | $34.14MM |
| Income(Loss) | $26.84MM | $21.83MM | $16.40MM |
| Taxes | $4.61MM | $3.67MM | $2.51MM |
| Profit(Loss)* | $22.24MM | $18.17MM | $13.89MM |
| Stockholders Equity | $186.21MM | $202.40MM | $210.28MM |
| Assets | $2,030.27MM | $2,058.97MM | $2,086.24MM |
| Operating Cash Flow | $26.89MM | $24.18MM | $19.64MM |
| Capital expenditure | $3.21MM | $4.06MM | $2.11MM |
| Investing Cash Flow | $-106.20MM | $-26.25MM | $-37.87MM |
| Financing Cash Flow | $12.91MM | $-3.19MM | $9.10MM |
| Earnings Per Share** | $2.95 | $2.42 | $1.86 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.