Symbols / ISBA Stock $40.99 +2.96% Isabella Bank Corporation

Financial Services • Banks - Regional • United States • NCM
ISBA (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Jerome E. Schwind
Exch · Country NCM · United States
Market Cap 300.58M
Enterprise Value 393.55M
Income 19.95M
Sales 81.55M
FCF (ttm) —
Book/sh 31.90
Cash/sh 6.83
Employees 341
Insider 10d —
IPO Jan 30, 2006
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 41.33%
P/E 15.13
Forward P/E 10.38
PEG —
P/S 3.69
P/B 1.28
P/C —
EV/EBITDA —
EV/Sales 4.83
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.71
EPS next Y 3.95
EPS Growth 28.30%
Revenue Growth 13.70%
EPS Gr Q/Q 26.40%
Rev Gr Q/Q —
Earnings (next) 2026-04-23
Earnings (prior) 2026-04-23
ROA 0.92%
ROE 8.88%
ROIC —
Gross Margin 0.00%
Oper. Margin 30.44%
Profit Margin 24.47%
Shs Outstand 7.33M
Shs Float 6.71M
Insider Own 7.56%
Instit Own 10.60%
Short Float 2.35%
Short Ratio 4.85
Short Interest 170.24K
52W High 58.83
vs 52W High -30.32%
52W Low 24.68
vs 52W Low 66.09%
Beta 0.15
Impl. Vol. —
Rel Volume 0.85
Avg Volume 31.37K
Volume 26.79K
Target (mean) $47.00
Tgt Median $47.00
Tgt Low $47.00
Tgt High $47.00
# Analysts 1
Recom Hold
Prev Close $39.81
Price $40.99
Change 2.96%
About

Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides banking and wealth management services to businesses, institutions, and individuals and their families in Michigan, the United States. The company offers deposit products, including checking and savings accounts; and certificates of deposit, direct deposits, and cash management services. Its loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans, including secured and unsecured personal loans. In addition, the company provides mobile and internet banking, investment management, trust and estate services, automated teller machines, and insurance products. Isabella Bank Corporation was founded in 1903 and is headquartered in Mount Pleasant, Michigan.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$47.00
Mean price target
2. Current target
$40.99
Latest analyst target
3. DCF / Fair value
$40.65
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$40.99
Low
$47.00
High
$47.00
Mean
$47.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-27 main Piper Sandler Neutral → Neutral $47
2026-02-09 main Piper Sandler Neutral → Neutral $54
2025-10-31 main Piper Sandler Neutral → Neutral $39
2025-07-29 main Piper Sandler Neutral → Neutral $34
2025-02-03 main Piper Sandler Neutral → Neutral $28
2024-10-30 main Piper Sandler Neutral → Neutral $24
2024-07-31 main Piper Sandler Neutral → Neutral $22
2022-10-25 up Piper Sandler Neutral → Overweight $25
2021-10-25 down Piper Sandler Overweight → Neutral $27
News
RSS: Latest ISBA news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-16 BOURLAND JILL Director — 6 $48.90 $300
2026-03-16 BOURLAND JILL Director — 6 $44.03 $300
2026-03-02 BARNES JEFFREY J Director — 1,030 $48.54 $49,996
2026-03-02 OPPERMAN SARAH R Director — 36 $48.54 $1,747
2026-03-02 EVANS JAE A Director — 18 $48.54 $874
2026-03-02 SCHWIND JEROME E Chief Executive Officer — 710 $48.54 $34,463
2026-03-02 SCHWIND JEROME E Chief Executive Officer — 396 $48.54 $19,222
2026-03-02 CATLIN JON D Officer — 103 $48.54 $5,000
2026-03-02 COFFIN MELINDA MARIE Director — 24 $48.54 $1,165
2026-03-02 SACKETT BRIAN ROY Director — 18 $48.54 $874
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
76.30
+11.49%
68.44
-2.24%
70.00
-1.73%
71.23
Operating Revenue
76.30
+11.49%
68.44
-2.24%
70.00
-1.73%
71.23
Selling General And Administration
33.21
+5.70%
31.42
+8.72%
28.90
+5.47%
27.40
Selling And Marketing Expense
1.99
+16.18%
1.71
-17.45%
2.07
+4.80%
1.98
General And Administrative Expense
31.22
+5.09%
29.71
+10.74%
26.83
+5.52%
25.42
Salaries And Wages
30.04
+5.13%
28.58
+10.31%
25.91
+4.09%
24.89
Reconciled Depreciation
2.14
+2.49%
2.09
+5.46%
1.98
-4.49%
2.07
Total Unusual Items
—
—
—
0.00
Total Unusual Items Excluding Goodwill
—
—
—
0.00
Special Income Charges
—
—
—
0.00
Other Special Charges
—
—
—
—
Net Income
18.91
+36.15%
13.89
-23.55%
18.17
-18.31%
22.24
Pretax Income
24.12
+47.11%
16.40
-24.89%
21.83
-18.67%
26.84
Net Interest Income
62.54
+12.02%
55.84
-3.64%
57.94
-4.19%
60.48
Interest Expense
33.49
-1.91%
34.14
+57.44%
21.69
+307.88%
5.32
Interest Income
96.03
+6.73%
89.98
+12.99%
79.63
+21.02%
65.80
Gain On Sale Of Security
0.00
0.00
-100.00%
0.07
—
Tax Provision
5.21
+107.77%
2.51
-31.54%
3.67
-20.43%
4.61
Tax Rate For Calcs
0.00
+41.24%
0.00
-8.86%
0.00
-2.16%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
18.91
+36.15%
13.89
-23.55%
18.17
-18.31%
22.24
Net Income From Continuing Operation Net Minority Interest
18.91
+36.15%
13.89
-23.55%
18.17
-18.31%
22.24
Net Income From Continuing And Discontinued Operation
18.91
+36.15%
13.89
-23.55%
18.17
-18.31%
22.24
Net Income Continuous Operations
18.91
+36.15%
13.89
-23.55%
18.17
-18.31%
22.24
Normalized Income
18.91
+36.15%
13.89
-23.55%
18.17
-18.31%
22.24
Net Income Common Stockholders
18.91
+36.15%
13.89
-23.55%
18.17
-18.31%
22.24
Diluted EPS
2.56
+37.63%
1.86
-22.50%
2.40
-17.53%
2.91
Basic EPS
2.56
+37.63%
1.86
-23.14%
2.42
-17.97%
2.95
Basic Average Shares
7.37
-1.27%
7.47
-0.59%
7.51
-0.51%
7.55
Diluted Average Shares
7.39
-1.09%
7.47
-1.43%
7.58
-0.94%
7.65
Diluted NI Availto Com Stockholders
18.91
+36.15%
13.89
-23.55%
18.17
-18.31%
22.24
Insurance And Claims
1.18
+4.24%
1.13
+22.78%
0.92
+71.69%
0.54
Occupancy And Equipment
10.54
+0.16%
10.52
+2.20%
10.30
+6.19%
9.70
Other Non Interest Expense
5.75
-4.17%
6.00
-0.12%
6.00
+34.97%
4.45
Professional Expense And Contract Services Expense
3.24
+46.47%
2.21
-5.47%
2.34
-0.76%
2.36
Line Item Trend 2025-12-31 2024-12-31 2023-12-31
Total Assets
2,209.45
+5.91%
2,086.24
+1.32%
2,058.97
Cash And Cash Equivalents
26.04
+6.11%
24.54
-27.11%
33.67
Cash Financial
22.93
+0.46%
22.83
-10.92%
25.63
Other Short Term Investments
200.81
-58.94%
489.03
-7.41%
528.15
Receivables
—
—
35.13
Accounts Receivable
—
—
35.13
Net PPE
29.00
+4.85%
27.66
+0.07%
27.64
Gross PPE
80.00
+4.39%
76.64
-0.24%
76.82
Accumulated Depreciation
-51.00
-4.13%
-48.98
+0.41%
-49.18
Land And Improvements
6.31
+0.00%
6.31
+0.00%
6.31
Buildings And Improvements
38.38
+5.52%
36.37
+3.96%
34.98
Machinery Furniture Equipment
35.32
+4.00%
33.96
-4.41%
35.53
Goodwill And Other Intangible Assets
48.28
0.00%
48.28
0.00%
48.28
Goodwill
48.28
+0.00%
48.28
+0.00%
48.28
Other Intangible Assets
—
0.00
-50.00%
0.00
Investments And Advances
497.79
+1.79%
489.03
-7.41%
528.15
Total Liabilities Net Minority Interest
1,978.05
+5.44%
1,875.96
+1.04%
1,856.57
Payables And Accrued Expenses
—
—
—
Payables
—
—
—
Accounts Payable
—
—
—
Long Term Debt And Capital Lease Obligation
74.51
+25.39%
59.42
-14.29%
69.33
Long Term Debt
74.51
+25.39%
59.42
-14.29%
69.33
Stockholders Equity
231.40
+10.04%
210.28
+3.89%
202.40
Common Stock Equity
231.40
+10.04%
210.28
+3.89%
202.40
Capital Stock
123.20
-2.39%
126.22
-0.86%
127.32
Common Stock
123.20
-2.39%
126.22
-0.86%
127.32
Share Issued
7.62
+2.65%
7.42
-0.81%
7.49
Ordinary Shares Number
7.32
+0.55%
7.28
-0.72%
7.34
Treasury Shares Number
0.30
+110.12%
0.14
-5.34%
0.15
Retained Earnings
113.85
+10.51%
103.02
+5.90%
97.28
Gains Losses Not Affecting Retained Earnings
-8.02
+62.43%
-21.36
+17.54%
-25.90
Other Equity Adjustments
-8.02
+62.43%
-21.36
+17.54%
-25.90
Total Equity Gross Minority Interest
231.40
+10.04%
210.28
+3.89%
202.40
Total Capitalization
305.91
+13.43%
269.70
-0.75%
271.74
Invested Capital
305.91
+13.43%
269.70
-0.75%
271.74
Total Debt
74.51
+25.39%
59.42
-14.29%
69.33
Net Debt
48.47
+38.96%
34.88
-2.19%
35.66
Net Tangible Assets
183.11
+13.04%
161.99
+5.11%
154.12
Tangible Book Value
183.11
+13.04%
161.99
+5.11%
154.12
Available For Sale Securities
296.98
+13.98%
260.54
+1544.01%
15.85
Cash Cash Equivalents And Federal Funds Sold
26.04
+6.11%
24.54
-27.11%
33.67
Other Equity Interest
2.37
-0.71%
2.38
-35.47%
3.69
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
26.82
+36.56%
19.64
-18.79%
24.18
-10.06%
26.89
Cash Flow From Continuing Operating Activities
26.82
+36.56%
19.64
-18.79%
24.18
-10.06%
26.89
Net Income From Continuing Operations
18.91
+36.15%
13.89
-23.55%
18.17
-18.31%
22.24
Depreciation Amortization Depletion
2.14
+2.49%
2.09
+5.46%
1.98
-4.49%
2.07
Depreciation
2.14
+2.49%
2.09
+5.46%
1.98
-4.49%
2.07
Amortization Cash Flow
—
—
0.14
+25.00%
0.11
Depreciation And Amortization
2.14
+2.49%
2.09
+5.46%
1.98
-4.49%
2.07
Amortization Of Intangibles
—
—
0.14
+25.00%
0.11
Other Non Cash Items
-1.61
-57.80%
-1.02
-389.90%
-0.21
-132.65%
0.64
Stock Based Compensation
0.34
-28.36%
0.48
-39.13%
0.78
+28.20%
0.61
Asset Impairment Charge
—
—
—
—
Deferred Tax
0.04
+112.26%
-0.31
-130.75%
1.01
+7653.85%
0.01
Operating Gains Losses
-0.18
+15.49%
-0.21
+44.53%
-0.38
+39.14%
-0.63
Gain Loss On Investment Securities
0.00
0.00
+100.00%
-0.07
0.00
Unrealized Gain Loss On Investment Securities
—
—
—
0.00
Change In Working Capital
6.77
+348.02%
1.51
+105.43%
0.74
+233.09%
-0.55
Change In Receivables
—
—
-0.81
+71.24%
-2.81
Changes In Account Receivables
—
—
-0.81
+71.24%
-2.81
Change In Payables And Accrued Expense
—
—
1.01
-53.90%
2.18
Change In Payable
—
—
1.01
-53.90%
2.18
Change In Account Payable
—
—
1.01
-53.90%
2.18
Change In Other Current Assets
2.87
+66.57%
1.72
+577.78%
-0.36
+87.24%
-2.82
Change In Other Current Liabilities
3.91
+1979.33%
-0.21
-118.98%
1.10
-51.70%
2.27
Investing Cash Flow
-115.88
-206.03%
-37.87
-44.27%
-26.25
+75.29%
-106.20
Cash Flow From Continuing Investing Activities
-115.88
-206.03%
-37.87
-44.27%
-26.25
+75.29%
-106.20
Net PPE Purchase And Sale
-3.48
-65.19%
-2.11
+48.18%
-4.06
-26.80%
-3.21
Purchase Of PPE
-3.48
-65.19%
-2.11
+48.18%
-4.06
-26.80%
-3.21
Capital Expenditure
-3.48
-65.19%
-2.11
+48.18%
-4.06
-26.80%
-3.21
Net Investment Purchase And Sale
3.01
-92.67%
41.10
-35.38%
63.60
+144.80%
-141.96
Purchase Of Investment
-71.20
-859.01%
-7.42
+35.38%
-11.49
+94.55%
-210.91
Sale Of Investment
74.21
+52.92%
48.53
-35.38%
75.09
+8.90%
68.96
Gain Loss On Sale Of Business
—
—
—
0.00
Net Other Investing Changes
-3.06
—
0.57
-75.13%
2.29
Financing Cash Flow
90.56
+895.32%
9.10
+385.41%
-3.19
-124.69%
12.91
Cash Flow From Continuing Financing Activities
90.56
+895.32%
9.10
+385.41%
-3.19
-124.69%
12.91
Net Issuance Payments Of Debt
29.43
+1010.11%
-3.23
-111.14%
29.03
+334.28%
-12.39
Issuance Of Debt
—
—
40.00
0.00
Repayment Of Debt
—
—
—
-20.00
Long Term Debt Issuance
—
—
40.00
0.00
Long Term Debt Payments
—
—
—
-20.00
Net Long Term Debt Issuance
15.00
+250.00%
-10.00
-125.00%
40.00
+300.00%
-20.00
Net Short Term Debt Issuance
14.43
+113.32%
6.77
+161.68%
-10.97
-244.17%
7.61
Net Common Stock Issuance
-3.38
-17.09%
-2.88
+15.69%
-3.42
-521.05%
-0.55
Common Stock Payments
-4.71
-6.83%
-4.41
+12.52%
-5.04
-117.86%
-2.31
Common Stock Dividend Paid
-8.09
+0.76%
-8.15
+0.84%
-8.22
-1.66%
-8.08
Cash Dividends Paid
-8.09
+0.76%
-8.15
+0.84%
-8.22
-1.66%
-8.08
Repurchase Of Capital Stock
-4.71
-6.83%
-4.41
+12.52%
-5.04
-117.86%
-2.31
Changes In Cash
1.50
+116.42%
-9.13
-73.84%
-5.25
+92.09%
-66.41
Beginning Cash Position
24.54
-27.11%
33.67
-13.49%
38.92
-63.05%
105.33
End Cash Position
26.04
+6.11%
24.54
-27.11%
33.67
-13.49%
38.92
Free Cash Flow
23.34
+33.12%
17.53
-12.86%
20.12
-15.05%
23.68
Interest Paid Supplemental Data
33.48
-1.47%
33.98
+61.42%
21.05
+296.24%
5.31
Income Tax Paid Supplemental Data
2.20
+6.80%
2.06
-12.34%
2.35
-46.89%
4.42
Amortization Of Securities
0.97
-27.40%
1.33
-9.63%
1.47
-26.96%
2.02
Common Stock Issuance
1.33
-12.61%
1.52
-5.81%
1.62
-8.23%
1.76
Issuance Of Capital Stock
1.33
-12.61%
1.52
-5.81%
1.62
-8.23%
1.76
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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