NASDAQ: ISBAIsabella Bank Corp Stock
$42.46+0.75 (+1.8%)
Updated May 20, 2026
ISBA Price
$42.46
Fair Value Price
N/A
Market Cap
$311.34M
52 Week Low
$24.68
52 Week High
$58.83
P/E
15.73x
P/B
1.33x
P/S
4.11x
PEG
8.08x
Dividend Yield
2.64%
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
0.2
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A
ISBA Overview
Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides various banking products and services to businesses, institutions, and individuals and their families. Its deposit products include checking accounts, savings accounts, certificates of deposit, direct deposits, and money market accounts. The company's loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans, including secured and unsecured personal loans. It also offers cash management, mobile and internet banking, electronic bill pay, automated teller machines, trust and investment, estate planning, and safe deposit box rental services; and group life, health, accident, disability, and other insurance products, as well as other employee benefit programs. As of December 31, 2021, the company operated 30 banking offices in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. Isabella Bank Corporation was founded in 1903 and 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 +7.53% 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#175 of 281
Ranked#175 of 281
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $68.82 | B | |
| $50.55 | B | |
| $23.79 | B |
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ISBA News
Overview
Due Diligence Score
–
Industry Average (39)
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 ($42.46) is trading above its intrinsic value of $16.09, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
ISBA is good value based on its earnings relative to its share price (15.73x), compared to the US market average (19.67x)
P/E vs Market Valuation
ISBA is poor value based... subscribe to Premium to read more.
P/E vs Industry 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
$42.46
Fair Value
$60.28
Undervalued by
29.56%
ISBA ($42.46) 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
15.73x
Industry
13.33x
Market
19.67x
ISBA is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
ISBA is good 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
1.33x
Industry
1.22x
ISBA is poor 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
Isabella Bank Stock FAQ
Company
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