Isabella Bank Corp (ISBA) stock
ISBANasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 30, 2026Score 11/3016% above fair value
$39.58−0.02 (-0.05%)
Close on Nov 13, 2026Market cap $302.83MP/E 13.8Yield 2.83%
Isabella Bank statistics
91 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Feb 4, 2027 (estimated, after the close)
- Last ex-dividend date
- Sep 28, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.23
- 1.52
- P/OCF Ratio
- 10.23
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 1.85
- 2.95
- EV / FCF
- 6.04
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 0.00%
- 0.33%
- Shares Change (QoQ)
- 0.32%
- 0.00%
- Float
- 7M
- 17M
- Shares Held by Insiders
- 2.92%
- 6.05%
- Shares Held by Institutions
- 20.4%
- 61.3%
Short sellingIndustry
- Short Interest
- 288,556
- –
- Short Interest Change
- -5.10%
- -4.13%
- Short % of Float
- 3.89%
- 3.58%
- Short % of Shares Outstanding
- 3.77%
- 3.18%
- Days to Cover
- 9.07
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $58.83
- –
- 52-Week Low
- $35.51
- –
- 20-Day Moving Average
- $39.49
- –
- 50-Day Moving Average
- $38.66
- –
- 200-Day Moving Average
- $42.17
- –
- Average True Range (14)
- $1.18
- –
- Price Change (1 Week)
- -2.61%
- 0.69%
- Price Change (1 Month)
- 7.82%
- 3.79%
- Price Change (3 Months)
- -3.46%
- -2.72%
- Price Change (6 Months)
- -3.58%
- 12.2%
- Price Change (YTD)
- -20.8%
- 19.9%
- Price Change (1 Year)
- -3.75%
- 25.7%
- Price Change (3 Years)
- 97.9%
- 65.1%
- Price Change (5 Years)
- 46.6%
- 26.9%
- Price Change (10 Years)
- 42.6%
- 66.8%
- Average Volume (10 Days)
- 29,645
- –
- Average Volume (20 Days)
- 30,909
- –
- Average Volume (90 Days)
- 50,498
- –
- Relative Volume
- 0.26
- 0.68
- Relative Strength Index (14)
- 51.1
- 53.1
- Volatility (1 Year)
- 40.2%
- 24.4%
- Beta (5 Years)
- 0.11
- 0.63
MarginsIndustry
- Pretax Margin
- 30.6%
- 37.0%
- FCF Margin
- 30.6%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 9.02%
- 10.7%
- Return on Assets (ROA)
- 0.95%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 17.1%
- 11.7%
- Net Income Growth (YoY)
- 17.1%
- 22.6%
- EPS Growth (YoY)
- 16.7%
- 21.6%
- FCF Growth (YoY)
- 50.2%
- 27.2%
- Revenue Growth (3Y CAGR)
- 1.92%
- 5.82%
- Revenue Growth (5Y CAGR)
- 3.92%
- 6.17%
- EPS Growth (3Y CAGR)
- -4.18%
- 1.31%
- EPS Growth (5Y CAGR)
- 13.8%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.04
- 0.04
- Revenue Per Employee
- $245.34K
- $358.92K
- Profits Per Employee
- $58.92K
- $110.51K
- Employee Count
- 362
- 492
- WACC
- 7.60%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $27.21M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $138.54M
- $165.09M
- Net Cash Per Share
- $18.11
- $8.07
- Equity (Book Value)
- $245.59M
- $570.13M
- Book Value Per Share
- $32.10
- $28.12
- Tangible Book Value
- $245.59M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$2.37M
- -$4.24M
- FCF Per Share
- $3.56
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 7.04%
- 8.29%
- FCF Yield
- 8.99%
- 9.18%
- Dividend Yield
- 2.83%
- 2.44%
- Buyback Yield
- -3.84%
- 1.82%
- Shareholder Yield
- -1.01%
- 3.26%
- Dividend Per Share
- $1.12
- $0.92
- Dividend Growth (YoY)
- 0.00%
- 4.26%
- Years of Dividend Growth
- 0
- 2
- Payout Ratio
- 38.3%
- 28.5%
- FCF Payout Ratio
- 30.0%
- 24.8%
Scores and fair valueIndustry
- Graham Number
- $45.53
- $45.07
- Graham Upside
- 15.0%
- 18.8%
- Altman Z-Score
- 0.21
- 0.22
- Piotroski F-Score
- 7
- 6
- Lynch Fair Value
- $39.67
- –
- Lynch Upside
- 0.23%
- -0.43%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | ISBA | S&P 500 | Difference | ISBA per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +7.4% | -3.0% | +10.4 pts | ||
| 3 months | -4.5% | -2.8% | −1.8 pts | ||
| Year to date | -19.2% | +11.5% | −30.7 pts | ||
| 1 year | -2.8% | +13.5% | −16.3 pts | ||
| 3 years | +124.0% | +77.7% | +46.3 pts | +30.9% | +21.1% |
| 5 years | +82.6% | +72.6% | +10.0 pts | +12.8% | +11.5% |
| 10 years | +120.7% | +308.2% | −187.4 pts | +8.2% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M ISBA shares were sold short on Oct 30, 2026, down 5.1% from the previous report, or 3.89% of the shares available to trade. At recent volumes it would take 9.1 days to buy them back. Over the last 20 sessions, 68.0% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 288,556 | -5.1% | 31,818 | 9.1 |
| Oct 15, 2026 | 304,049 | -3.1% | 28,796 | 10.6 |
| Sep 30, 2026 | 313,739 | -1.0% | 39,433 | 8.0 |
| Sep 15, 2026 | 316,784 | -0.7% | 66,063 | 4.8 |
| Aug 31, 2026 | 319,010 | +0.8% | 77,271 | 4.1 |
| Aug 14, 2026 | 316,436 | +3.6% | 54,122 | 5.8 |
| Jul 31, 2026 | 305,576 | +6.6% | 70,747 | 4.3 |
| Jul 15, 2026 | 286,677 | -8.2% | 39,793 | 7.2 |
| Jun 30, 2026 | 312,344 | +58.2% | 151,479 | 2.1 |
| Jun 15, 2026 | 197,465 | +8.5% | 43,051 | 4.6 |
| May 29, 2026 | 181,930 | +0.2% | 22,171 | 8.2 |
| May 15, 2026 | 181,495 | +8.6% | 22,795 | 8.0 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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