ISBANasdaqState Commercial BanksFiscal year ends December 31
ISABELLA BANK CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026
$36.27−0.44 (-1.20%)
Close on Oct 19, 2026
- Market cap
- $266.13M
- P/E (TTM)
- 13.3
- Dividend yield
- 3.09%
Isabella Bank statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Isabella Bank | Industry median |
|---|---|---|
| Market Cap | $276.70M | $679.86M |
| Enterprise Value | $234.93M | $408.94M |
| PE Ratio | 13.33 | 12.00 |
| PS Ratio | 3.24 | 3.61 |
| PB Ratio | 1.11 | 1.18 |
| P/TBV Ratio | 1.11 | 1.41 |
| P/FCF Ratio | 12.01 | 10.93 |
| P/OCF Ratio | 10.69 | 10.04 |
Enterprise value
| Measure | Isabella Bank | Industry median |
|---|---|---|
| EV / Sales | 2.75 | 2.78 |
| EV / FCF | 10.20 | 8.25 |
Income (trailing twelve months)
| Measure | Isabella Bank | Industry median |
|---|---|---|
| Revenue | $85.34M | $170.85M |
| Pretax Income | $25.25M | $70.12M |
| Net Income | $19.96M | $54.33M |
| EPS (Diluted) | $2.72 | $2.90 |
Margins
| Measure | Isabella Bank | Industry median |
|---|---|---|
| Pretax Margin | 29.6% | 36.4% |
| Profit Margin | 23.4% | 29.1% |
| FCF Margin | 27.0% | 33.0% |
Returns
| Measure | Isabella Bank | Industry median |
|---|---|---|
| Return on Equity (ROE) | 8.51% | 10.5% |
| Return on Assets (ROA) | 0.91% | 1.12% |
Growth
| Measure | Isabella Bank | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 16.3% | 11.8% |
| Net Income Growth (YoY) | 22.8% | 23.1% |
| EPS Growth (YoY) | 24.2% | 22.7% |
| FCF Growth (YoY) | 11.6% | 27.1% |
| Revenue Growth (3Y CAGR) | 1.92% | 5.82% |
| Revenue Growth (5Y CAGR) | 3.92% | 6.17% |
| EPS Growth (3Y CAGR) | -4.18% | 1.26% |
| EPS Growth (5Y CAGR) | 13.8% | 8.24% |
Balance sheet
| Measure | Isabella Bank | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $41.77M | $205.54M |
| Net Cash (Debt) | $41.77M | $164.40M |
| Net Cash Per Share | $5.48 | $8.13 |
| Equity (Book Value) | $248.70M | $560.44M |
| Book Value Per Share | $32.60 | $28.47 |
| Tangible Book Value | $248.70M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Isabella Bank | Industry median |
|---|---|---|
| Operating Cash Flow | $25.87M | $61.20M |
| Capital Expenditures | -$2.84M | -$4.02M |
| Free Cash Flow | $23.03M | $52.43M |
| FCF Per Share | $3.02 | $3.07 |
Efficiency
| Measure | Isabella Bank | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $235.76K | $353.78K |
| Profits Per Employee | $55.15K | $107.28K |
| Employee Count | 362 | 489 |
Dividends and yields
| Measure | Isabella Bank | Industry median |
|---|---|---|
| Earnings Yield | 7.21% | 8.07% |
| FCF Yield | 8.32% | 8.89% |
| Dividend Yield | 3.09% | 2.48% |
| Buyback Yield | -3.74% | 1.55% |
| Shareholder Yield | -0.65% | 3.13% |
| Dividend Per Share | $1.12 | $0.93 |
| Dividend Growth (YoY) | 0.00% | 4.26% |
| Years of Dividend Growth | 0 | 2 |
| Payout Ratio | 40.4% | 29.4% |
| FCF Payout Ratio | 35.0% | 26.0% |
Shares
| Measure | Isabella Bank | Industry median |
|---|---|---|
| Shares Outstanding | 7,628,870 | 18,839,100 |
| Shares Change (YoY) | -1.25% | 0.39% |
| Shares Change (QoQ) | 4.03% | 0.00% |
| Float | 7,405,180 | 17,061,900 |
| Shares Held by Insiders | 2.93% | 5.89% |
| Shares Held by Institutions | 20.4% | 61.9% |
Scores
| Measure | Isabella Bank | Industry median |
|---|---|---|
| Graham Number | $44.67 | $45.31 |
| Graham Upside | 23.2% | 21.6% |
| Altman Z-Score | 0.20 | 0.21 |
| Piotroski F-Score | 7 | 6 |
Calculated by StockData from Isabella Bank's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.