NCM · Banks - Regional

Isabella Bank Corporation (ISBA) Stock

$38.69 +0.03% NCM: ISBA Financial Services

Valuation

MetricValue
Price$38.69
Market Cap$295.16M
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

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 $38.69 with a market capitalization of $295.16M. 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 34.2% 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%.

Isabella Bank Corporation by the numbers, 2016–2025

Between 2016 and 2025 Isabella Bank Corporation reported revenue of $62.0M rising to $112.0M, a change of +80.6% across 10 years. Compounded, revenue has grown 8.1% a year over five years, 13.3% over three, 9.8% over the last twelve months. Net profit rose to $19.0M.

Operating margin went from 26.0% in 2016 to 19.8% in 2025, a fall of 6.2 percentage points. The most recent net margin is 18.77%. On a trailing twelve-month basis to Jun '26, revenue is $106.0M and net profit $20.0M.

Borrowings fell from $338.0M to $143.0M, cash from operations was $27.0M in the latest year, positive in 10 of the last 10.

Return on equity has averaged 8.9% over five years, and was 8.2% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Isabella Bank Corporation (ISBA) — frequently asked questions

What is Isabella Bank Corporation (ISBA) stock price today?

Isabella Bank Corporation (ISBA) is currently trading at $38.69, up 0.03% today.

What is ISBA P/E ratio?

Isabella Bank Corporation's P/E ratio is 14.01. This is below the typical market average of roughly 18-22x. A low P/E can reflect a lower valuation, slower expected growth, or both.

What is ISBA return on equity (ROE)?

Isabella Bank Corporation's return on equity (ROE) is 8.48%. ROE measures net income relative to shareholders' equity. This is below the typical market range of roughly 12-15%.

What is Isabella Bank Corporation's market cap?

Isabella Bank Corporation has a market capitalization of $295.16M.

Does ISBA pay a dividend?

Yes. Isabella Bank Corporation currently yields 2.94%. Yield moves with the share price, so it changes daily even when the payment does not.

How much debt does ISBA carry?

Isabella Bank Corporation has a debt-to-equity ratio of 0.61. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is ISBA's profit margin?

Isabella Bank Corporation reports a net profit margin of 18.77% — the share of revenue left after every cost, including tax and interest.

What sector is ISBA in?

Isabella Bank Corporation is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is ISBA listed on?

Isabella Bank Corporation trades on NCM under the ticker ISBA.

What is ISBA's 52-week range?

Over the last year Isabella Bank Corporation has traded between $33.24 and $58.83.

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Screens ISBA currently matches

On the figures above, Isabella Bank Corporation passes the filters for 1 of our ready-made screens, among them Micro Cap Stocks. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

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