NCM · Banks - Regional

ISBA (ISBA) Stock

$39.77 -2.55% NCM: ISBA Financial Services

Valuation

MetricValue
Price$39.77
Market Cap$291.62M
P/E Ratio16.23
P/B Ratio1.32
P/S Ratio2.62
EPS (TTM)$2.56
52-Week High$58.83
52-Week Low$28.49
Dividend Yield2.71%

Financials & Margins

MetricValue
ROE8.23%
ROA0.86%
ROCE9.52%
Gross Margin19.64%
Operating Margin19.64%
Net Margin17.23%
Debt/Equity0.61
Current Ratio0.12

Annual Financials (USD)

Metric20212022202320242025
Revenue$71.0M$77.0M$91.0M$102.0M$112.0M
Operating Profit$23.0M$27.0M$22.0M$16.0M$22.0M
Net Profit$19.0M$22.0M$18.0M$14.0M$19.0M
EPS$2.45$2.91$2.40$1.86$2.56
Op Margin32.8%35.1%24.1%16.1%19.8%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.0B$2.0B$2.1B$2.1B$2.2B
Total Liabilities$1.8B$1.8B$1.9B$1.9B$2.0B
Cash$105.0M$39.0M$34.0M$25.0M$26.0M
Borrowings$99.0M$87.0M$116.0M$113.0M$143.0M

Latest News

Isabella Bank Corporation Added to Russell 2000 Index ACCESS Newswire · Jul 2, 2026 Michigan bank to buy in-state peer for $54.6M Banking Dive · Jun 17, 2026 Michigan bank strikes deal for an in-state rival American Banker · Jun 16, 2026 Isabella Bank Acquires Grand River Commerce, Expands Michigan Presence MT Newswires · Jun 12, 2026 Isabella Bank Corporation to Acquire Grand River Commerce, Inc. ACCESS Newswire · Jun 12, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$26.0M$27.0M$24.0M$20.0M$27.0M
Investing Cash Flow$-231.0M$-109.0M$-30.0M$-40.0M$-119.0M
Financing Cash Flow$110.0M$32.0M$-26.0M$19.0M$68.0M
Net Cash Flow$-141.0M$-66.0M$-5.0M$-9.0M$1.0M
Free Cash Flow$24.0M$24.0M$20.0M$18.0M$23.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y18.69%
Return 3Y107.64%
Return 5Y114.69%

Ownership

Insiders Held6.65%
Institutions Held13.93%
Institutions Float Held14.93%
Institutional HolderSharesReport Date
Vanguard Capital Management LLC274,0482026-03-31
Millennium Management Llc107,3562026-03-31
Blackrock Inc.100,2012026-03-31
Susquehanna International Group, LLP94,7422026-03-31
Geode Capital Management, LLC80,4022026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BCML $30.75 +0.59% 14.22 $335.46M 3.39%
CBAN $22.21 +2.16% 12.45 $469.96M 2.37%
CZNC $25.10 +2.03% 14.51 $449.71M 5.29%
FINW $13.75 -0.15% 11.97 $188.46M 0.00%
FNLC $35.44 +1.58% 9.50 $399.61M 5.24%

About ISBA

ISBA is led by CEO Jerome E. Schwind, employs 368 people, headquartered in US, publicly traded since 2006.

ISBA stock trades at $39.77 with a market capitalization of $291.62M. The stock is valued at a price-to-earnings (P/E) ratio of 16.23, price-to-book of 1.32, price-to-sales of 2.62. Over the past 52 weeks the stock has ranged between $28.49 and $58.83, and currently trades 32.4% below its 52-week high. It pays a dividend yielding 2.71%.

On profitability, ISBA generates a return on equity (ROE) of 8.23%, return on capital employed of 9.52%, an operating margin of 19.64%, a net profit margin of 17.23%.

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