Isabella Bank (ISBA) Stock Price, News & Analysis

Company 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 insurance products. The company operated 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.

Key Stats

• Today's Range: $24.51 to $25.95
• 50-Day Range: $23.05 to $25.99
• 52-Week Range: $17.55 to $26.23
• Volume: 1,506 shs
• Average Volume: 1,926 shs
• Market Capitalization: $192.81 million
• P/E Ratio: 14.18
• Dividend Yield: 4.32%
• Price Target: $24.00
• Consensus Rating: Hold

Isabella Bank Stock Analysis - MarketRank™

Isabella Bank scored higher than 57% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.0 / 5
• Analyst Rating: Hold

Consensus Rating

Isabella Bank has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Isabella Bank has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 20.60%

Earnings Growth

Earnings for Isabella Bank are expected to grow by 20.60% in the coming year, from $1.99 to $2.40 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Isabella Bank is 14.18, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 111.77.

Price to Earnings Ratio vs. Sector

The P/E ratio of Isabella Bank is 14.18, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.03.

Price to Book Value per Share Ratio

Isabella Bank has a P/B Ratio of 0.96. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% of the outstanding shares of Isabella Bank have been sold short.

Short Interest Ratio / Days to Cover

Isabella Bank has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Isabella Bank has recently increased by 100.00%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

Isabella Bank is a leading dividend payer. It pays a dividend yield of 4.31%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Isabella Bank does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Isabella Bank is 61.20%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Isabella Bank will have a dividend payout ratio of 46.67% next year. This indicates that Isabella Bank will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.00% of the outstanding shares of Isabella Bank have been sold short.

Short Interest Ratio / Days to Cover

Isabella Bank has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Isabella Bank has recently increased by 100.00%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.59

News Sentiment

Isabella Bank has a news sentiment score of 0.59. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.72 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Isabella Bank this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Isabella Bank insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 7.30% of the stock of Isabella Bank is held by insiders.

ISBA Stock Analysis - Frequently Asked Questions

How have ISBA shares performed this year?

Isabella Bank's stock was trading at $25.99 at the start of the year. Since then, ISBA stock has decreased by 0.2% and is now trading at $25.95.
View the best growth stocks for 2025 here.

How were Isabella Bank's earnings last quarter?

Isabella Bank Co. (OTCMKTS:ISBA) issued its earnings results on Thursday, October, 24th. The company reported $0.61 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.45 by $0.16. The business earned $18.02 million during the quarter, compared to analysts' expectations of $17.50 million. Isabella Bank had a net margin of 13.43% and a trailing twelve-month return on equity of 7.32%.

How do I buy shares of Isabella Bank?

Shares of ISBA stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Isabella Bank own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Isabella Bank investors own include JPMorgan Chase & Co. (JPM), PayPal (PYPL), Sinclair (SBGI), Avino Silver & Gold Mines (ASM), Avino Silver & Gold Mines (ASM), Taiwan Semiconductor Manufacturing (TSM) and Toro (TTC).

Company Calendar

• Last Earnings: 10/24/2024
• Ex-Dividend for 12/18 Dividend: 12/16/2024
• Dividend Payable: 12/18/2024
• Today: 1/21/2025
• Next Earnings (Estimated): 2/21/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:ISBA
• Previous Symbol: NASDAQ:ISBA
• CUSIP: N/A
• CIK: 842517
• Web: ir.isabellabank.com
• Phone: (989) 772-9471
• Fax: N/A
• Employees: 330
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $24.00
• High Stock Price Target: $24.00
• Low Stock Price Target: $24.00
• Potential Upside/Downside: -7.5%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $1.83
• Trailing P/E Ratio: 14.18
• Forward P/E Ratio: 13.04
• P/E Growth: N/A
• Net Income: $18.17 million
• Net Margins: 13.43%
• Pretax Margin: 15.79%
• Return on Equity: 7.32%
• Return on Assets: 0.72%

Debt

• Debt-to-Equity Ratio: 0.45
• Current Ratio: 0.81
• Quick Ratio: 0.81

Sales & Book Value

• Annual Sales: $93.46 million
• Price / Sales: 2.06
• Cash Flow: $2.91 per share
• Price / Cash Flow: 8.91
• Book Value: $27.02 per share
• Price / Book: 0.96

Miscellaneous

• Outstanding Shares: 7,430,000
• Free Float: 6,887,000
• Market Cap: $192.81 million
• Optionable: Not Optionable
• Beta: 0.02