NASDAQ: ISBA
Isabella Bank Corp Stock

$39.12+0.07 (+0.18%)
Updated Jul 10, 2026
ISBA Price
$39.12
Fair Value Price
$58.16
Market Cap
$286.85M
52 Week Low
$29.12
52 Week High
$58.83
P/E
14.49x
P/B
1.23x
P/S
4.11x
PEG
7.45x
Dividend Yield
2.86%
Revenue
$81.55M
Earnings
$19.95M
Gross Margin
100%
Operating Margin
30.95%
Profit Margin
24.5%
Debt to Equity
8.63
Operating Cash Flow
$26M
Beta
0.15
Next Earnings
Jul 23, 2026
Ex-Dividend
N/A
Next Dividend
N/A

ISBA Overview

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.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine ISBA's potential to beat the market

CHold
  • Stocks with a Zen Rating of Hold (C) had an average return of +5.11% per year. Learn More

Zen Rating Component Grades

C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
D
ISBA
Ranked
#108 of 288

Top Ranked Stocks in Industry

View Top Bank Stocks

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Overview

Due Diligence Score

Industry Average (38)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how ISBA scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

ISBA ($39.12) is undervalued by 32.73% relative to our estimate of its Fair Value price of $58.16 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
ISBA ($39.12) is significantly undervalued by 32.73% relative to our estimate of its Fair Value price of $58.16 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
ISBA ($39.12) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more ISBA due diligence checks available for Premium users.

Valuation

ISBA fair value

Fair Value of ISBA stock based on Discounted Cash Flow (DCF)

Price
$39.12
Fair Value
$58.16
Undervalued by
32.73%
ISBA ($39.12) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
ISBA ($39.12) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
ISBA ($39.12) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

ISBA price to earnings (PE)

For valuing profitable companies with steady earnings

Company
14.49x
Industry
13.88x
Market
12.99x
ISBA is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
ISBA is poor value based... subscribe to Premium to read more.
P/E vs Market Valuation

ISBA price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
1.23x
Industry
1.34x
ISBA is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

ISBA price to earnings growth (PEG)

For valuing profitable companies with growth potential

ISBA is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

ISBA's financial health

Profit margin

Revenue
$20.6M
Net Income
$5.0M
Profit Margin
24.2%
ISBA's Earnings (EBIT) of $25.24M... subscribe to Premium to read more.
Interest Coverage Financials
ISBA's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$2.3B
Liabilities
$2.0B
Debt to equity
8.63
ISBA's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$3.8M
Investing
-$18.4M
Financing
$38.7M
ISBA's operating cash flow ($25.89M)... subscribe to Premium to read more.
Debt Coverage Financials

ISBA vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
ISBAC$286.85M+0.18%14.49x1.23x
FUNCC$286.11M+1.09%11.35x1.39x
OVLYC$282.78M+0.42%11.59x1.37x
FDBCC$292.87M-0.79%9.82x1.20x
WNEBC$280.55M+0.11%15.66x1.13x

Isabella Bank Stock FAQ

What is Isabella Bank's quote symbol?

(NASDAQ: ISBA) Isabella Bank trades on the NASDAQ under the ticker symbol ISBA. Isabella Bank stock quotes can also be displayed as NASDAQ: ISBA.

If you're new to stock investing, here's how to buy Isabella Bank stock.

What is the 52 week high and low for Isabella Bank (NASDAQ: ISBA)?

(NASDAQ: ISBA) Isabella Bank's 52-week high was $58.83, and its 52-week low was $29.12. It is currently -33.5% from its 52-week high and 34.34% from its 52-week low.

How much is Isabella Bank stock worth today?

(NASDAQ: ISBA) Isabella Bank currently has 7,332,561 outstanding shares. With Isabella Bank stock trading at $39.12 per share, the total value of Isabella Bank stock (market capitalization) is $286.85M.

Isabella Bank stock was originally listed at a price of $27.25 in May 13, 2025. If you had invested in Isabella Bank stock at $27.25, your return over the last year would have been 43.56% (not including any dividends or dividend reinvestments).

How much is Isabella Bank's stock price per share?

(NASDAQ: ISBA) Isabella Bank stock price per share is $39.12 today (as of Jul 10, 2026).

What is Isabella Bank's Market Cap?

(NASDAQ: ISBA) Isabella Bank's market cap is $286.85M, as of Jul 11, 2026.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Isabella Bank's market cap is calculated by multiplying ISBA's current stock price of $39.12 by ISBA's total outstanding shares of 7,332,561.
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