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Isabella Bank Corporation

ISBA Financial Banks Regional

Isabella Bank Corporation’s revenue for fiscal 2025 (year ended December 2025) was $112.0 million, up 7.12% from fiscal 2024. In the quarter to June 2026, revenue grew 13.6%, EPS grew 1.47%, free cash flow grew 1.06% and total debt fell 59.3%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three; insiders bought in the last twelve months.

36.60 0.11 −0.30%
Market cap
$280.1M
P/E
13.5×
Fwd P/E
11.9×
Dividend yield
3.06%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.13
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — 7 1 5 1 1 1 1 1 1 —
Sell — — — — — — — — — — — —
Insider Ownership 4.11%

Capital & Financial Ratios $m

Market Cap 280.06
Revenue 118.99
Net Income 19.96
Free Cash Flow 23.31
Net Debt (12.21)
Current Ratio 0.84
Debt/Equity 0.12
P/E ratio 13.46
Fwd P/E 11.90
P/S ratio 2.25
P/B ratio 1.08
Past 5Y EPS Growth 13.82%
This Y EPS Growth 28.91% (at or above 15%: strong)
Next Y EPS Growth 19.70% (at or above 15%: strong)
Next Y revenue growth (17.68%) (below 0%: weak)
Next 5Y EPS Growth 17.97% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 56.08%
10-year low 10-year high
P/S against its own 10 years 52.23%
10-year low 10-year high
P/B against its own 10 years 80.98%
10-year low 10-year high

Dividends

Payout Ratio 0.41
Annual Dividend Rate 1.12
Annual Dividend Yield 3.06%
total individual payouts
2027 Powerpack
2026 1.12
0.28
0.28
0.28
2025 1.12
0.28
0.28
0.28
0.28
2024 1.12
0.28
0.28
0.28
0.28
2023 1.12
0.28
0.28
0.28
0.28
2022 1.09
0.27
0.27
0.27
0.28
2021 1.08
0.27
0.27
0.27
0.27
2020 1.08
0.27
0.27
0.27
0.27
2019 1.05
0.26
0.26
0.26
0.27
2018 1.04
0.26
0.26
0.26
0.26
2017 1.02
0.25
0.25
0.26
0.26
2016 0.98
0.24
0.24
0.25
0.25
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 34 25 26 42
Receivables — — — —
Inventory — — — —
Other — — — —
1,370 1,435 1,549 1,617
2023 2024 2025 Q'26
Payables 1,724 1,747 1,820 1,810
ST’ Debt — — — —
Other — — — —
1,724 1,747 1,820 1,926

Compound Annual Growth %

10y 5y 3y
Sales — 7.34% 12.12%
Cash Flow — 4.04% (0.09%)
Earnings — 11.68% (5.26%)
Book Value — 1.15% 7.51%

Revenue $m

Mar Jun Sep Dec Year
’26 29 31 — — —
’25 26 27 29 30 112
’24 25 26 27 27 105
’23 22 23 24 25 93
’22 18 20 20 21 79
’21 19 18 19 19 74
’20 19 19 20 21 79
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 4 8 — — —
’25 5 8 3 12 27
’24 3 6 4 7 20
’23 8 7 4 5 24
’22 6 9 6 6 27
’21 7 9 5 4 26
’20 3 3 4 11 22
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 4 7 — — —
’25 4 7 2 11 23
’24 3 5 3 7 18
’23 6 7 2 4 20
’22 5 9 4 5 24
’21 7 9 5 4 25
’20 3 3 4 11 21
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 0.68 0.69 — — —
’25 0.53 0.68 0.71 0.64 2.56
’24 0.42 0.46 0.44 0.54 1.86
’23 0.70 0.61 0.58 0.51 2.40
’22 0.62 0.69 0.77 0.83 2.91
’21 0.67 0.57 0.58 0.63 2.45
’20 0.38 0.52 0.54 (0.10) 1.34
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 27.25 27.60 22.50 22.01 15.60 19.45 21.00 19.13 17.55 21.50

Analyst estimates 2026–2028

Powerpack
High 29.90 29.95 28.25 24.80 24.50 29.00 26.25 26.00 26.23 58.83
People
People Employees — — — — 340 330 347 356 368 362
Revenue/emp, $m — — 0.00 0.00 0.23 0.22 0.23 0.26 0.28 0.31
Income, $m
Income, $m Revenue — — 75 75 79 74 79 93 105 112
Gross margin, % — — 79.12 76.29 82.41 89.97 93.31 76.79 67.34 70.10
EBT — — 15 14 12 23 27 22 16 24
EBT margin, % — — 20.55 19.12 15.11 31.58 33.78 23.36 15.68 21.54
Net income — — 14 13 11 19 22 18 14 19
Depreciation — — 5 5 5 5 4 3 3 3
Per share, $
Per share, $ Revenue — — 9.51 9.53 9.87 9.41 10.53 12.44 14.01 15.19
Earnings — — 1.78 1.65 1.37 2.48 2.95 2.42 1.86 2.56
Cash flow — — 2.79 2.95 2.76 3.25 3.56 3.22 2.63 3.64
Capex — — (0.24) (0.08) (0.14) (0.11) (0.42) (0.54) (0.28) (0.47)
Free cash flow — — 2.55 2.87 2.62 3.14 3.14 2.68 2.35 3.17
Book value — — 0.00 26.57 27.46 26.87 24.66 26.94 28.17 31.39
Shares, m — — 8 8 8 8 8 8 7 7
Valuation, ×
Valuation, × P/E — — 14.28 14.28 14.28 10.28 7.63 8.89 13.90 19.53
P/S — — 0.00 0.00 1.99 2.71 2.14 1.73 1.86 3.29
P/B — — 0.00 0.00 0.72 0.95 0.91 0.80 0.92 1.59
EV/Sales — — 0.00 0.00 0.87 2.63 2.74 2.61 2.70 3.72
EV/FCF — — 0.00 0.00 3.28 7.89 9.20 12.13 16.11 17.87
Cash, $m
Cash, $m Operating cash flow — — 22 23 22 26 27 24 20 27
Capex — — (2) (1) (1) (1) (3) (4) (2) (3)
Free cash flow — — 20 23 21 25 24 20 18 23
Balance, $m
Balance, $m Working capital — — — (81) (84) (305) (430) (354) (312) (271)
Total debt — — — 276 159 99 87 116 113 143
Net debt — — — 215 (88) (6) 48 82 88 116
Shareholders’ equity — — — 210 219 211 186 202 210 231
Returns, %
Returns, % ROA — — 0.00 1.44 0.58 0.98 1.09 0.89 0.67 0.88
ROIC — — 0.00 2.12 5.68 7.12 7.16 4.79 3.43 4.33
ROE — — 0.00 0.00 5.08 9.08 11.20 9.35 6.73 8.56
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Isabella Bank Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
MYFW First Western Financial, Inc. $287.7M 15.5× 12.3× +10.12% (above 0%: growing) +126.92% (above 0%: growing) +216.45% (above 0%: growing) 58.35% 0.00% Compare
ATLO Ames National Corporation $284.8M 12.5× 11.0× +7.68% (above 0%: growing) +31.37% (above 0%: growing) −13.26% (below 0%: shrinking) 73.46% 0.00% Compare
FUNC First United Corporation $283.5M 11.4× 9.1× +5.24% (above 0%: growing) −4.35% (below 0%: shrinking) +705.52% (above 0%: growing) 75.95% 0.00% Compare
FRAF Franklin Financial Services Corp. $282.6M 11.4× 10.0× +1.12% (above 0%: growing) +11.36% (above 0%: growing) +20.95% (above 0%: growing) 71.88% 0.00% Compare
OVLY Oak Valley Bancorp (CA) $282.3M 12.0× — +4.45% (above 0%: growing) −8.82% (below 0%: shrinking) −20.28% (below 0%: shrinking) 85.32% 0.00% Compare
ISBA Isabella Bank Corporation $280.1M 13.5× 11.9× +13.60% (above 0%: growing) +1.47% (above 0%: growing) +1.06% (above 0%: growing) 73.42% 0.00%
VABK Virginia National Bankshares Corporation $279.1M 11.1× 17.8× +24.86% (above 0%: growing) +110.13% (above 0%: growing) −47.94% (below 0%: shrinking) 77.48% 0.00% Compare
NKSH National Bankshares, Inc. $276.0M 13.6× 10.7× +6.17% (above 0%: growing) +119.44% (above 0%: growing) +118.57% (above 0%: growing) 71.02% 0.00% Compare
FNRN First Northern Community Bancorp $273.3M 12.2× — +2.07% (above 0%: growing) −12.99% (below 0%: shrinking) +31.66% (above 0%: growing) 83.16% 0.00% Compare
Median of peers $282.4M 12.1× 10.9× +5.71% +21.37% +26.31% 74.71% 0.00%

All 323 Banks Regional stocks →

Isabella Bank Corporation (ISBA) key facts

  • Strength: Isabella Bank Corporation’s revenue for fiscal 2025 (year ended December 2025) was $112.0 million, up 7.12% from fiscal 2024.
  • Strength: Net income was $18.9 million, or $2.56 per share (basic), a net margin of 16.9%.
  • Isabella Bank Corporation (ISBA) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, ISBA traded at $36.60, a market capitalization of $280.1 million.
  • At that price the stock trades at 13.5× trailing-twelve-month earnings and 2.3× sales; its P/E is higher than 56% of its own readings over the past ten years.
  • Isabella Bank Corporation pays an annual dividend of $1.12 per share, a yield of 3.06%, with a payout ratio of 41.2%.
  • Return on equity was 8.56% and debt-to-equity 0.12.
  • Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Isabella Bank Corporation (ISBA) Latest News

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stockrow.com/ISBA · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com