ISBA
BULLISH
$48.7
Live
Isabella Bank Corporation · NASDAQ
Target $54.0
(+10.9%)
$23.7
52W Range
$58.83
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 12, 2026
Market cap
$356.97M
P/E
19.02
ROE
8.6%
Profit margin
23.9%
Debt/Equity
N/A
Dividend yield
2.3%
AI Analysis
AI-powered fundamental assessment
Confidence
75%
ISBA presents a stable financial profile with a Piotroski F-Score of 4/9, indicating a baseline of stability despite lacking strong momentum in health metrics. The stock is currently trading at $48.70, which is slightly above its Graham Number ($42.66) but significantly below its growth-based Intrinsic Value ($75.52). Strong double-digit revenue and earnings growth, combined with a compressing forward P/E of 12.18, suggest an attractive valuation for a growth-oriented regional bank. However, the bearish technical trend score (0/100) suggests a potential short-term correction despite the long-term price surge.
Key Strengths
Strong YoY revenue growth of 14.30% and earnings growth of 18.50%
Attractive forward P/E ratio (12.18) compared to current P/E (19.02)
Trading at a significant discount to its intrinsic value of $75.52
Sustainable dividend payout ratio of 43.75%
Impressive long-term price performance (+185% over 5 years)
Key Risks
Mediocre Piotroski F-Score (4/9) suggests only stable, not strong, financial health
Low Return on Assets (ROA) of 0.88% indicates inefficient asset utilization
History of inconsistent earnings surprises, with several misses in 2023-2024
Technical Trend score of 0/100 indicates strong bearish momentum or a peak
Limited analyst coverage (only 1 analyst) increases information risk
AI Fair Value Estimate
Based on comprehensive analysis
$58.59
+20.3% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
67
Strong
72
85
70
50
60
AI Verdict
Moderate Buy
Key drivers: Strong growth metrics, Undervaluation relative to intrinsic value, Stable but not exceptional health score
Confidence
80%
Value
72/100
Ref P/E 19.02, Forward P/E 12.18, Graham Number $42.66
Positives
- Price is well below intrinsic value
- Forward P/E is low
Watchpoints
- Trading slightly above Graham Number
Future
85/100
Ref Growth rates
Positives
- Double-digit YoY revenue and earnings growth
- Strong Q/Q revenue growth (20.13%)
Watchpoints
- Recent Q/Q EPS growth decline (-9.9%)
Past
70/100
Ref Historical trends
Positives
- Exceptional 1Y and 5Y price returns
Watchpoints
- Frequent earnings misses over the last 20 quarters
Health
50/100
Ref Piotroski F-Score 4/9
Positives
- Piotroski score in the 'Stable' range
Watchpoints
- Low ROA (0.88%)
- Piotroski score below 7
Dividend
60/100
Ref Yield 2.30%, Payout 43.75%
Positives
- Healthy payout ratio
- Consistent dividend rate
Watchpoints
- Relatively low yield (2.30%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$48.7
Analyst Target
$54.0
Upside/Downside
+10.9%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ISBA and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ISBA
Isabella Bank Corporation
Primary
|
+185.0% | +136.8% | +109.6% | +36.5% | +10.4% | +6.1% |
|
BKT
BlackRock Income Trust, Inc.
Peer
|
-9.0% | +10.1% | +5.1% | -0.4% | +1.3% | +0.3% |
|
FVAV
Fortress Value Acquisition Corp. V
Peer
|
+0.2% | +0.2% | +0.2% | +0.2% | -0.1% | +0.2% |
|
AWP
abrdn Global Premier Properties Fund
Peer
|
+21.9% | +28.7% | +9.6% | +5.5% | 0.0% | -1.8% |
|
INV
Innventure, Inc.
Peer
|
-56.6% | -57.7% | +17.9% | +25.4% | +30.1% | -6.5% |
ISB
Isabella Bank Corporation
Primary
5Y
+185.0%
3Y
+136.8%
1Y
+109.6%
6M
+36.5%
1M
+10.4%
1W
+6.1%
BKT
BlackRock Income Trust, Inc.
Peer
5Y
-9.0%
3Y
+10.1%
1Y
+5.1%
6M
-0.4%
1M
+1.3%
1W
+0.3%
FVA
Fortress Value Acquisition Corp. V
Peer
5Y
+0.2%
3Y
+0.2%
1Y
+0.2%
6M
+0.2%
1M
-0.1%
1W
+0.2%
AWP
abrdn Global Premier Properties Fund
Peer
5Y
+21.9%
3Y
+28.7%
1Y
+9.6%
6M
+5.5%
1M
0.0%
1W
-1.8%
INV
Innventure, Inc.
Peer
5Y
-56.6%
3Y
-57.7%
1Y
+17.9%
6M
+25.4%
1M
+30.1%
1W
-6.5%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
19.02
Forward P/E
12.18
PEG Ratio
N/A
P/B Ratio
1.54
P/S Ratio
4.51
EV/Revenue
5.99
EV/EBITDA
N/A
Market Cap
$356.97M
Profitability
Profit margins and return metrics
Profit Margin
23.91%
Operating Margin
34.51%
Gross Margin
N/A
ROE
8.56%
ROA
0.88%
Growth
Revenue and earnings growth rates
Revenue Growth
+14.3%
Earnings Growth
+18.5%
Q/Q Revenue Growth
+20.13%
Q/Q Earnings Growth
+17.4%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$3.55
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
22.8%
Total Assets
$2.2B
Liabilities
$2.0B
Equity
$0.2B
Debt/Equity
8.55x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
92%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-02-05
$0.64
-13.5% surprise
2025-10-27
$0.71
+12.7% surprise
2025-07-24
$0.55
-6.8% surprise
2025-04-17
$0.57
+16.3% surprise
Financial Services Sector Comparison
Comparing ISBA against 362 companies in the Financial Services sector
(63 bullish, 158 neutral, 141 bearish)
P/E Ratio
19.02
This Stock
vs
52.08
Sector Avg
-63.5%
(Discount)
Return on Equity (ROE)
8.56%
This Stock
vs
-0.05%
Sector Avg
-16481.4%
(Below Avg)
Profit Margin
23.91%
This Stock
vs
66.07%
Sector Avg
-63.8%
(Weaker)
Revenue Growth
14.3%
This Stock
vs
43.38%
Sector Avg
-67.0%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
ISBA
Isabella Bank Corporation
|
BULLISH | $356.97M | 19.02 | 8.6% | 23.9% | $48.7 | |
|
BKT
BlackRock Income Trust, Inc.
|
BEARISH | $358.55M | 12.44 | 7.2% | 135.2% | $11.07 | Compare |
|
FVAV
Fortress Value Acquisition Corp. V
|
NEUTRAL | $362.82M | - | -% | -% | $10.04 | Compare |
|
AWP
abrdn Global Premier...
|
BEARISH | $349.39M | 55.57 | 1.8% | 54.6% | $3.89 | Compare |
|
INV
Innventure, Inc.
|
BEARISH | $347.5M | - | -76.1% | -% | $4.34 | Compare |
ISBA
Isabella Bank Corporation
BULLISH
Mkt Cap
$357M
P/E
19.0
ROE
8.6%
Price
$48.7
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-16 | BOURLAND JILL | Director | Purchase | 6 | $300 |
| 2026-03-02 | BARNES JEFFREY J | Director | Stock Award | 1,030 | $49,996 |
| 2026-03-02 | OPPERMAN SARAH R | Director | Stock Award | 36 | $1,747 |
| 2026-03-02 | EVANS JAE A | Director | Stock Award | 18 | $874 |
| 2026-03-02 | SCHWIND JEROME E | Chief Executive Officer | Stock Award | 710 | $34,463 |
| 2026-03-02 | SCHWIND JEROME E | Chief Executive Officer | Purchase | 396 | $19,222 |
| 2026-03-02 | CATLIN JON D | Officer | Purchase | 103 | $5,000 |
| 2026-03-02 | COFFIN MELINDA MARIE | Director | Stock Award | 24 | $1,165 |
| 2026-03-02 | SACKETT BRIAN ROY | Director | Stock Award | 18 | $874 |
| 2026-03-02 | HUENEMANN MICHAEL KYLE | Officer | Purchase | 61 | $2,961 |
| 2026-03-02 | TESSIN BRIAN B | Director | Stock Award | 826 | $40,094 |
| 2026-03-02 | MCDONNELL NEIL MICHAEL | President | Stock Award | 2 | $97 |
| 2026-03-02 | MCDONNELL NEIL MICHAEL | President | Purchase | 55 | $2,670 |
| 2026-03-02 | BOURLAND JILL | Director | Stock Award | 8 | $388 |
| 2026-03-02 | RUPP VICKI L. | Director | Stock Award | 251 | $12,184 |
BOURLAND JILL
Director
2026-03-16
6 shares
·
$300
BARNES JEFFREY J
Director
2026-03-02
1,030 shares
·
$49,996
OPPERMAN SARAH R
Director
2026-03-02
36 shares
·
$1,747
EVANS JAE A
Director
2026-03-02
18 shares
·
$874
SCHWIND JEROME E
Chief Executive Officer
2026-03-02
710 shares
·
$34,463
SCHWIND JEROME E
Chief Executive Officer
2026-03-02
396 shares
·
$19,222
CATLIN JON D
Officer
2026-03-02
103 shares
·
$5,000
COFFIN MELINDA MARIE
Director
2026-03-02
24 shares
·
$1,165
SACKETT BRIAN ROY
Director
2026-03-02
18 shares
·
$874
HUENEMANN MICHAEL KYLE
Officer
2026-03-02
61 shares
·
$2,961
TESSIN BRIAN B
Director
2026-03-02
826 shares
·
$40,094
MCDONNELL NEIL MICHAEL
President
2026-03-02
2 shares
·
$97
MCDONNELL NEIL MICHAEL
President
2026-03-02
55 shares
·
$2,670
BOURLAND JILL
Director
2026-03-02
8 shares
·
$388
RUPP VICKI L.
Director
2026-03-02
251 shares
·
$12,184
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
1 analysts
Piper Sandler
2026-02-09
Neutral
Neutral
Piper Sandler
2025-10-31
Neutral
Neutral
Past News Coverage
Recent headlines mentioning ISBA from our newsroom.
Newest → oldest
No matching news yet.