NCM · Banks - Regional

Isabella Bank Corporation (ISBA) Stock

$37.79 -1.74% NCM: ISBA Financial Services

Valuation

MetricValue
Price$37.79
Market Cap$277.10M
P/E Ratio14.01
P/B Ratio1.13
P/S Ratio2.63
EPS (TTM)$2.56
52-Week High$58.83
52-Week Low$33.24
Dividend Yield2.94%

Financials & Margins

MetricValue
ROE8.48%
ROA0.90%
ROCE0.53%
Gross Margin19.64%
Operating Margin19.64%
Net Margin18.77%
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 Ratio0.58
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
BCMLBayCom Corp $30.53 -1.01% 25.99 $333.06M 3.85%
CBANColony Bankcorp, Inc. $19.97 -1.67% 12.39 $422.53M 2.35%
CZNCCitizens & Northern Corp $24.94 -1.31% 17.37 $446.84M 4.37%
FINWFinWise Bancorp $10.99 +1.57% 10.84 $150.63M 0.00%
FNLCFirst Bancorp, Inc (ME) $32.97 -1.41% 10.03 $371.76M 4.44%

About Isabella Bank Corporation

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

Isabella Bank Corporation (ISBA) stock trades at $37.79 with a market capitalization of $277.10M. The stock is valued at a price-to-earnings (P/E) ratio of 14.01, price-to-book of 1.13, price-to-sales of 2.63. Over the past 52 weeks the stock has ranged between $33.24 and $58.83, and currently trades 35.8% below its 52-week high. It pays a dividend yielding 2.94%.

On profitability, Isabella Bank Corporation generates a return on equity (ROE) of 8.48%, return on capital employed of 0.53%, an operating margin of 19.64%, a net profit margin of 18.77%.

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