Isabella Bank Corporation Common stock (ISBA) Stock Price

ISBAStock

$39.44−5.70%52W

Market Cap$300.88M

P/E53.70x

PEG Ratio17.37

Div yield2.76%

Beta1.81

ISBA Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-40.76%

Price vs S&P 500 (4W)-34.57%

PEG Ratio17.37

VGM Score29.85

P/E Ratio (Annual)53.70x

Indicated Dividend Yield (Annual)2.76%

P/CF (Annual)37.98x

Book Value / Share (Quarterly)$16.17

P/TBV (Annual)8.16x

Revenue Growth (3Y)5.61%

Cash Flow / Share (Quarterly)$-14.31

Payout Ratio (TTM)58.66%

Price vs S&P 500 (YTD)-55.74%

Gross Margin (TTM)54.34%

Net Profit Margin (TTM)-29.98%

EPS (TTM)$-13.99

10-Day Avg Trading Volume0.20M

EPS Excl Extra (TTM)$-13.99

Revenue Growth (5Y)48.11%

EPS (Annual)$-11.58

Dividend / Share (Annual)$1.09

ROI (Annual)-12.76%

Gross Margin (Annual)54.84%

Net Profit Margin (5Y Avg)-16.95%

Cash / Share (Quarterly)$11.43

P/E Basic Excl Extra (TTM)50.71x

Revenue Growth QoQ (YoY)28.26%

EPS Growth (5Y)2.92%

P/E Normalized (Annual)53.70x

ROA (Last FY)-6.24%

Revenue Growth TTM (YoY)16.60%

EBITD / Share (TTM)$0.32

ROE (5Y Avg)-399.44%

Operating Margin (TTM)-11.46%

Cash Flow / Share (Annual)$-6.52

P/B Ratio0.83x

P/B Ratio (Quarterly)0.59x

Net Income / Employee (Annual)$-59,900

EV / Revenue (TTM)1.60x

Net Interest Coverage (TTM)-0.55x

ROA (TTM)-9.03%

EPS Growth QoQ (YoY)27.10%

EV / EBITDA (TTM)229.64x

EPS Incl Extra (Annual)$-11.58

Current Ratio (Annual)0.80x

Quick Ratio (Quarterly)0.91x

3-Month Avg Trading Volume0.07M

52-Week Price Return-5.70%

EV / Free Cash Flow (Annual)46.92x

P/E Incl Extra (TTM)50.71x

Revenue / Employee (TTM)$241,300

Tangible BV / Share (Quarterly)$7.11

P/S Ratio (Annual)0.25x

Asset Turnover (Annual)0.24x

52-Week High$20.74

Operating Margin (5Y Avg)-6.21%

EPS Excl Extra (Annual)$-11.58

CapEx CAGR (5Y)71.21%

Tangible BV CAGR (5Y)0.03%

26-Week Price Return-28.83%

Quick Ratio (Annual)0.68x

13-Week Price Return-32.59%

Total Debt / Equity (Annual)4.52x

Current Ratio (Quarterly)1.11x

Enterprise Value$4.51B

Revenue / Share Growth (5Y)29.79%

Asset Turnover (TTM)0.30x

Book Value / Share Growth (5Y)14.02%

Revenue / Employee (Annual)$227,100

Inventory Turnover (Annual)31.93x

Pretax Margin (Annual)-25.16%

Cash / Share (Annual)$16.45

3-Month Return Std Dev89.50%

Gross Margin (5Y Avg)55.74%

Net Income / Employee (TTM)$-72,400

EBITDA CAGR (5Y)1.32%

EBITDA Interim CAGR (5Y)53.17%

ROE (Last FY)-70.49%

Net Interest Coverage (Annual)-0.31x

EPS Basic Excl Extra (Annual)$-11.58

P/FCF (TTM)542.13x

Receivables Turnover (TTM)19.42x

EV / Free Cash Flow (TTM)46.92x

Total Debt / Equity (Quarterly)5.57x

EPS Incl Extra (TTM)$-13.99

Receivables Turnover (Annual)21.30x

ROI (TTM)-17.66%

Dividend Growth Rate (5Y)0.84%

P/S Ratio (TTM)0.23x

Pretax Margin (5Y Avg)-16.89%

Revenue / Share (Annual)$43.87

Tangible BV / Share (Annual)$3.15

Forward P/E12.30x

Free OCF CAGR (5Y)-4.41%

Price vs S&P 500 (52W)-24.26%

P/E Ratio (TTM)50.71x

EPS Growth TTM (YoY)-6.95%

Year-to-Date Return-42.92%

5-Day Price Return1.84%

EPS Normalized (Annual)$-11.58

ROA (5Y Avg)-5.43%

Net Profit Margin (Annual)-26.39%

Month-to-Date Return-32.30%

Cash Flow / Share (TTM)$-1.70

EBITD / Share (Annual)$-1.28

EPS Growth (3Y)-8.80%

Operating Margin (Annual)-14.78%

LT Debt / Equity (Annual)4.49x

P/CF (TTM)48.36x

ROI (5Y Avg)-9.25%

P/E Excl Extra (TTM)50.71x

LT Debt / Equity (Quarterly)5.55x

EPS Basic Excl Extra (TTM)$-13.99

P/TBV (Quarterly)7.05x

Payout Ratio (Annual)58.66%

P/B Ratio (Annual)0.82x

Dividend / Share (TTM)$1.09

Inventory Turnover (TTM)31.40x

Pretax Margin (TTM)-25.49%

Book Value / Share (Annual)$20.50

Price vs S&P 500 (13W)-34.55%

Net Margin Growth (5Y)4.65%

Dividend Yield (TTM)1.09%

Beta1.81x

P/FCF (Annual)157.22x

Revenue / Share (TTM)$46.86

ROE (TTM)-115.26%

52-Week Low$8.44

vGradeD

gGradeD

mGradeD

vgmGradeD

ISBA Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Jul 23, 2026	$0.92	$0.69	-25.00%(-$0.23)
Q1 2026	Apr 23, 2026	$0.78	$0.68	-12.82%(-$0.10)
Q4 2025	Feb 5, 2026	$0.74	$0.64	-13.51%(-$0.10)
Q3 2025	Oct 27, 2025	$0.63	$0.71	+12.70%(+$0.08)
Q2 2025	Jul 24, 2025	$0.59	$0.55	-6.78%(-$0.04)

ISBA Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

2.40

Industry Peers — State Banks(189)

Symbol	Value Score	Growth Score	Momentum Score	Price
ISBAIsabella Bank Corporation Common stock	D	D	D	$39.44
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About Isabella Bank Corporation Common stock

Isabella Bank Corp is a U.S. financial services holding company serving businesses, institutions, and individuals through diversified lending operations. Its loan portfolio spans commercial, agricultural, real estate, and consumer segments, supported by comprehensive deposit products including checking, savings, certificates of deposit, and cash management services. The company also provides digital banking, trust, and brokerage services.