Isabella Bank Corporation

ISBA • Banks - Regional

$40.04

▲ +0.36 (+0.91%)

Precio actual

ResultadosÚltimo reporte: 30 jun 2026

PERFIL FAVORABLEAtractivaConfianza: 70%

Perfil cuantitativo — no constituye una recomendación de inversión.

Perfil cuantitativo — no constituye una recomendación de inversión.Metodología

Tesis del análisis: Alta calidad del negocio, con crecimiento y flujo de caja que respaldan el caso. La valoración todavía importa, pero el historial de ratios es favorable.

Capitalización

$293.94M

Crecimiento

5.1%

Flujo de caja

5/5

Tendencia

Stable

Evidencia

Márgenes estables o en mejora · 16.9%Crecimiento positivo de ingresos · 12.5%Flujo de caja libre positivo · 3.16Flujo de caja libre consistente · 5/5Múltiplo de ganancias razonable · 19.51

Datos financieros hasta: 30 jun 2026, 12:00 a.m. UTCÚltima actualización de earnings: 30 jun 2026, 12:00 a.m. UTCÚltima actualización del perfil: 12 ago 2026, 12:20 p.m. UTC

Resumen de la compañía

Valoración, calidad, fortaleza financiera, momentum y datos de analistas.

Price$40.04

Change0.91%

Shares Out7.34M

Market Cap$293.94M

Enterprise Value$-41.55M

52W Range29.52 - 58.83

Beta0.03

P/E14.72

P/S2.76

P/B1.18

P/FCF12.60

EV/Sales-0.39

Price$40.04

Change0.91%

Shares Out7.34M

Market Cap$293.94M

Enterprise Value$-41.55M

52W Range29.52 - 58.83

Beta0.03

P/E14.72

P/S2.76

P/B1.18

P/FCF12.60

EV/Sales-0.39

EV/EBITDA-4.39

EV/FCF-1.78

Earnings Yield6.79%

FCF Yield7.94%

Dividend Yield2.06%

Gross Margin70.60%

Oper. Margin19.76%

Profit Margin16.88%

Debt/Eq0.62

Current Ratio0.12

Quick Ratio0.12

Revenue 5Y5.12%

FCF 5Y4.99%

Target$43.00

Target Upside7.39%

Target Median$43.00

Target Range43.00 - 43.00

Volume47.50K

Avg Volume55.70K

EPS Surprise-0.10

ADN de inversión

Qué tan fuerte luce esta compañía para inversionistas de largo plazo

de 100

Calidad del negocio

Márgenes, ventaja competitiva, retornos

71/100

Fortaleza financiera

Deuda, caja, estabilidad

35/100

Potencial de crecimiento

Ingresos y expansión

64/100

Atractivo del precio

Barata o cara hoy

71/100

Por qué este puntaje▼

Márgenes estables o en mejora · 16.9%Crecimiento positivo de ingresos · 12.5%Flujo de caja libre positivo · 3.16Flujo de caja libre consistente · 5/5Múltiplo de ganancias razonable · 19.51Nivel de deuda manejable · 0.62

Analyst view

Analyst sentiment and price target

ISBA

Analyst sentiment

Based on 1 analyst votes · 2026-09-05

50/100

Neutral

Bullish

Hold

Bearish

Precio objetivo

2026-08-12

Bajo

$43.00

Promedio

$43.00

Mediana

$43.00

Alto

$43.00

Resumen de la compañía

IPO: 1/30/2006

Industria: Banks - Regional

P/B i: 1.18

Deuda / Patrimonio i: 0.62

Margen operativo: 19.76%

Margen neto: 16.88%

ROE i: -

ROIC: -

Salud financiera

Puntaje7 / 20

Deuda / Patrimonio: 0.62

Ratio corriente: 0.12

Ratio rápido: 0.12

Estado: Weak

Advertencias

Weak Liquidity
Weak quick ratio

Transacciones internas

Actividad reciente de ejecutivos e insiders

Bourland Jill

Transacción: 07/16/2026

COMPRA

Cambio

—

Precio

$39.07

Presentación

07/17/2026

Tipo

COMPRA

Ross Erika M

Transacción: 07/01/2026

OTRO

Cambio

Precio

Not reported

Presentación

07/08/2026

Tipo

OTRO

Bourland Jill

Transacción: 06/16/2026

COMPRA

Cambio

—

Precio

$41.43

Presentación

06/17/2026

Tipo

COMPRA

Insider	Tipo	Cambio	Precio	Transacción	Presentación
Bourland Jill	COMPRA	—	$39.07	07/16/2026	07/17/2026
Ross Erika M	OTRO	0	Not reported	07/01/2026	07/08/2026
Bourland Jill	COMPRA	—	$41.43	06/16/2026	06/17/2026
Tessin Brian B	COMPRA	+7	$41.49	06/01/2026	06/03/2026
Coffin Melinda Marie	COMPRA	+30	$41.49	06/01/2026	06/03/2026
Rupp Vicki L	COMPRA	+30	$41.49	06/01/2026	06/03/2026
Bourland Jill	COMPRA	+9	$41.49	06/01/2026	06/03/2026
Sackett Brian Roy	COMPRA	+22	$41.49	06/01/2026	06/03/2026
Opperman Sarah R	COMPRA	+43	$41.49	06/01/2026	06/03/2026
Schwind Jerome E	COMPRA	+113	$41.49	06/01/2026	06/03/2026
Barnes Jeffrey J	COMPRA	+225	$41.49	06/01/2026	06/03/2026
McDonnell Neil Michael	COMPRA	+3	$41.49	06/01/2026	06/03/2026
Bourland Jill	COMPRA	—	$41.05	05/18/2026	05/20/2026
Bourland Jill	COMPRA	—	$48.90	04/16/2026	04/17/2026
Bourland Jill	COMPRA	—	$44.03	03/16/2026	03/18/2026
Rupp Vicki L	COMPRA	+251	$48.54	03/02/2026	03/04/2026
Barnes Jeffrey J	COMPRA	+1,030	$48.54	03/02/2026	03/04/2026
Bourland Jill	COMPRA	+8	$48.54	03/02/2026	03/04/2026
Coffin Melinda Marie	COMPRA	+24	$48.54	03/02/2026	03/04/2026
Evans Jae A	COMPRA	+18	$48.54	03/02/2026	03/04/2026

Sobre la compañía

Isabella Bank Corporation

Isabella Bank Corporation serves as the parent company for Isabella Bank, providing a comprehensive suite of banking products and financial services. Its diverse clientele includes businesses, institutions, private individuals, and families. The bank facilitates savings through various deposit options, such as checking and savings accounts, certificates of deposit (CDs), direct deposit services, and money market accounts. Its lending solutions are extensive, comprising commercial, agricultural, and residential real estate loans, alongside consumer credit offerings, including both secured and unsecured personal loans. Beyond core banking, Isabella Bank Corporation offers a range of additional amenities. These include cash management tools, mobile and internet banking platforms, electronic bill payment, automated teller machines (ATMs), specialized trust and investment advisory, estate planning assistance, and safe deposit box rentals. The corporation also extends its services to include group life, health, accident, and disability insurance products, as well as various other employee benefit programs. As of December 31, 2021, the company maintained 30 branch locations situated in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. With a heritage dating back to its founding in 1903, Isabella Bank Corporation is headquartered in Mount Pleasant, Michigan.

Fuente - Link

Competidores

BCML CBAN CZNC FINW FNLC FSBW JMSB MBCN PLBC WSBF

Tamaño = capitalización · color = línea del gráfico

Rendimiento de peers · 1A

Top performers + empresa seleccionada

Ultimas Noticias

Isabella Bank Corporation Announces Third Quarter 2026 Dividend

MOUNT PLEASANT, MI / ACCESS Newswire / August 27, 2026 / Isabella Bank Corporation (Nasdaq:ISBA) today announced its Board of Directors declared a third-quarter cash dividend of $0.28 per common share at its regular meeting on August 26, 2026. The dividend will be payable September 30, 2026 to shareholders of record as of September 28, 2026.

Accesswire

Isabella Bank Struggles To Keep Pace With Expectations

Isabella Bank Corporation remains a Hold as recent earnings disappoint and valuation normalizes after a sharp price decline. ISBA's Q2 2026 EPS missed by 25%, marking the third consecutive earnings miss and highlighting ongoing profit growth challenges. The pending Grand River Commerce acquisition offers market expansion but introduces integration risks and short-term NIM compression.

Seeking Alpha

Isabella Bank Corporation (ISBA) Lags Q2 Earnings and Revenue Estimates

Isabella Bank Corporation (ISBA) came out with quarterly earnings of $0.69 per share, missing the Zacks Consensus Estimate of $0.92 per share. This compares to earnings of $0.55 per share a year ago.

Zacks Investment Research

Isabella Bank Corporation Reports Second Quarter 2026 Earnings

MOUNT PLEASANT, MI / ACCESS Newswire / July 23, 2026 / Isabella Bank Corporation (Nasdaq:ISBA) ("Isabella" or the "Company") reported net income of $5.0 million, or $0.69 per diluted share, for the second quarter 2026 compared to $5.0 million, or $0.68 per diluted share, for the second quarter 2025. SECOND QUARTER 2026 HIGHLIGHTS Loans grew $30.7 million during the quarter Net interest margin (NIM) improved to 3.54%, up from 3.14% in second quarter 2025 Merger agreement signed with Grand River Commerce, Inc. and its banking subsidiary, Grand River Bank Launched a successful at-the-market stock offering, increasing equity by $11.7 million Added to the Russell 2000® Index "Isabella Bank Corporation had another strong quarter, driven by continued loan growth and margin expansion," said CEO Jerome Schwind.

Accesswire

Isabella Bank Corporation Added to Russell 2000 Index

MOUNT PLEASANT, MI / ACCESS Newswire / July 2, 2026 / Isabella Bank Corporation ("Isabella") (NASDAQ:ISBA) (the "Company"), the holding company for Isabella Bank, today announced it has been added to the Russell 2000® Index, effective after the U.S. market closed on June 26, 2026. The Russell 2000® Index measures the performance of approximately 2,000 small-cap U.S. companies and is widely regarded as a leading benchmark for the small-cap segment of the U.S. equity market.

Accesswire

Sorpresas de ganancias

Período	Estimado	Real	Sorpresa
2026-04-23	0.78	0.68	-0.1
2026-02-05	0.74	0.64	-0.1
2025-10-27	0.6	0.71	0.11
2025-07-24	0.55	0.55	0
2025-04-17	0.52	0.57	0.05
2025-01-30	0.49	0.52	0.03
2024-10-24	0.45	0.44	-0.01
2024-07-25	0.42	0.46	0.04
2024-04-18	0.51	0.42	-0.09
2024-02-16	0.69	0.51	-0.18
2023-10-19	0.72	0.58	-0.14
2023-07-21	0.66	0.61	-0.05