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Isabella Bank Corporation (ISBA)
:ISBA
US Market

Isabella Bank (ISBA) Stock Statistics & Valuation Metrics

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Total Valuation

Isabella Bank has a market cap or net worth of $192.78M. The enterprise value is $223.30M.
Market Cap$192.78M
Enterprise Value$223.30M

Share Statistics

Isabella Bank has 7,414,569 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding7,414,569
Owned by Insiders
Owned by Institutions

Financial Efficiency

Isabella Bank’s return on equity (ROE) is 0.07 and return on invested capital (ROIC) is 75.69%.
Return on Equity (ROE)0.07
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)75.69%
Return on Capital Employed (ROCE)0.04
Revenue Per Employee244.51K
Profits Per Employee37.74K
Employee Count368
Asset Turnover0.04
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Isabella Bank is 13.95. Isabella Bank’s PEG ratio is -0.60.
PE Ratio13.95
PS Ratio2.49
PB Ratio0.92
Price to Fair Value0.92
Price to FCF9.44
Price to Operating Cash Flow9.44
PEG Ratio-0.60

Income Statement

In the last 12 months, Isabella Bank had revenue of 89.98M and earned 13.89M in profits. Earnings per share was 1.86.
Revenue89.98M
Gross Profit89.98M
Operating Income88.27M
Pretax Income16.40M
Net Income13.89M
EBITDA0.00
Earnings Per Share (EPS)1.86

Cash Flow

In the last 12 months, operating cash flow was 19.30M and capital expenditures -516.00K, giving a free cash flow of 18.79M billion.
Operating Cash Flow19.30M
Free Cash Flow18.79M
Free Cash Flow per Share2.53

Dividends & Yields

Isabella Bank pays an annual dividend of $0.28, resulting in a dividend yield of 4.34%
Dividend Per Share$0.28
Dividend Yield4.34%
Payout Ratio56.28%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.29
52-Week Price Change50.99%
50-Day Moving Average23.84
200-Day Moving Average22.29
Relative Strength Index (RSI)66.84
Average Volume (3m)1.75K

Important Dates

Isabella Bank upcoming earnings date is Jul 18, 2025, TBA Not Confirmed.
Last Earnings DateApr 17, 2025
Next Earnings DateJul 18, 2025
Ex-Dividend DateMar 27, 2025

Financial Position

Isabella Bank as a current ratio of 0.43, with Debt / Equity ratio of 28.26%
Current Ratio0.43
Quick Ratio0.43
Debt to Market Cap0.28
Net Debt to EBITDA0.00
Interest Coverage Ratio2.59

Taxes

In the past 12 months, Isabella Bank has paid 2.51M in taxes.
Income Tax2.51M
Effective Tax Rate0.15

Enterprise Valuation

Isabella Bank EV to EBITDA ratio is 0.00, with an EV/FCF ratio of 10.94.
EV to Sales2.49
EV to EBITDA0.00
EV to Free Cash Flow10.94
EV to Operating Cash Flow10.94

Balance Sheet

Isabella Bank has $253.03M in cash and marketable securities with $185.71M in debt, giving a net cash position of -$193.60M billion.
Cash & Marketable Securities$253.03M
Total Debt$185.71M
Net Cash-$193.60M
Net Cash Per Share-$26.11
Tangible Book Value Per Share$21.73

Margins

Gross margin is 121.96%, with operating margin of 98.10%, and net profit margin of 15.44%.
Gross Margin121.96%
Operating Margin98.10%
Pretax Margin18.22%
Net Profit Margin15.44%
EBITDA Margin0.00%
EBIT Margin-2.32%

Analyst Forecast

The average price target for Isabella Bank is $27.00, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$27.00
Price Target Upside4.57% Upside
Analyst ConsensusHold
Analyst Count1
Revenue Growth Forecast9.80%
EPS Growth Forecast-7.88%

Scores

Smart Score8
AI Score74
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