Isabella Bank (ISBA) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Isabella Bank

NasdaqCM•Financial Services•Banks - Regional

$39.62-0.42(-0.01%)Pre-market

Market Cap

$279.38M

P/E

14.0x

P/S

2.3x

P/B

1.1x

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.

How this company scores

WeakMetricSide Score: 82/100

Grade capped at D — Interest coverage below 1× (0.8x) — earnings cannot cover interest. Strongest: Growth (23/25); weakest: Balance Sheet & Red Flags (18/25).

Profitability18/25

Growth23/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality23/25

Strengths

Strong marginsRising earningsLow leverageCash-backed earnings

Grade capped at D

Interest coverage below 1× (0.8x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 14.0x5y range 6.9x – 19.5x

Currently above its 20-quarter median.

P/S · 2.3x5y range 1.4x – 3.3x

Currently near its 20-quarter median.

P/B · 1.1x5y range 0.7x – 1.6x

Price & Volume

Market Cap $279.38M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $118.99M
Q. Revenue: $30.59M
TTM EBITDA: $28.52M
TTM Op. Income: $25.25M
Q. Op. Income: $6.18M
TTM Net Income: $19.96M
Q. Net Income: $5.04M
EPS: $0.69
Shares Out.: $7.33M

$118.99M in TTM revenue grew 11.1% YoY, reaching $30.59M last quarter. TTM EBITDA of $28.52M and TTM operating income of $25.25M show growth is flowing through to the bottom line. TTM net income of $19.96M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 73.4%
EBITDA Margin: 22.1%
Op. Margin: 20.2%
Net Margin: 16.5%

Op. margin of 20.2% is down 2.7% YoY — costs are rising relative to revenue. Net margin at 16.5% and gross margin of 73.4% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 14.0x
P/S Ratio: 2.3x
P/B Ratio: 1.1x

At 14.0x P/E, the stock trades below typical market levels. P/S of 2.3x and P/B of 1.1x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has fallen for 2 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.22B
Cash: $41.77M
Long-Term Debt: $29.56M
Book Value: $248.70M
D/E Ratio: 0.1
Debt/EBITDA: 4.4

With $2.22B in assets and $29.56M in long-term debt, D/E is 0.1and book value is $248.70M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 2 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $7.70M
TTM Free Cash Flow: $22.92M
FCF Margin: 19.3%
FCF / Net Income: 1.1

TTM FCF of $22.92M on $7.70M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 9% — an improving trend.