ISABELLA BANK CORP
Data quality: 83%
ISBA
Nasdaq
Financial Services
Depository Institutions
$49.65
▲
$1.76
(3.68%)
Mkt Cap: 363.94 M
Price
$49.65
Mkt Cap
363.94 M
Day Range
$47.26 — $49.65
52-Week Range
$23.00 — $58.83
Volume
44,700
Open $48.02
50D / 200D Avg
$48.10
3.22% above
50D / 200D Avg
$40.78
21.75% above
Quick Summary
Key Takeaways
Earnings grew 36.15% over the past year
Generating 23.34 M in free cash flow
Cash machine — converts 123.42% of earnings into free cash flow
Growth
Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)36.15%
FCF Growth (3Y)8.98%
Quality
Return on Equity
8.44%
Below sector avg (9.24%)
ROICN/A
Net MarginN/A
Op. MarginN/A
Safety
Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A
Valuation
PE (TTM)
19.25
Above sector avg (11.15)
P/B Ratio1.60
EV/EBITDAN/A
Dividend YieldN/A
Price History
Financial Trends
Peer Comparison
vs Financial Services sector median (2150 peers)
Peer Comparison
vs Financial Services sector median (2150 peers)| Metric | Stock | Sector Median |
|---|---|---|
| P/E | 19.3 | 11.2 |
| P/B | 1.6 | 1.2 |
| ROE % | 8.4 | 9.2 |
| Net Margin % | — | 9.4 |
| Rev Growth 5Y % | — | 5.8 |
| D/E | — | 0.5 |
All Fundamental Metrics
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | N/A | Revenue Growth (3Y) | N/A |
| Earnings Growth (1Y) | 36.15% | Earnings Growth (3Y) | 2.02% |
| Revenue Growth (5Y) | N/A | Earnings Growth (5Y) | -0.76% |
| Profitability | |||
| Revenue (TTM) | N/A | Net Income (TTM) | 18.91 M |
| ROE | 8.44% | ROA | 0.86% |
| Gross Margin | N/A | Operating Margin | N/A |
| Net Margin | N/A | Free Cash Flow (TTM) | 23.34 M |
| ROIC | N/A | FCF Growth (3Y) | 8.98% |
| Safety | |||
| Debt / Equity | N/A | Current Ratio | N/A |
| Interest Coverage | N/A | Asset Turnover | N/A |
| Working Capital | N/A | Tangible Book Value | 227.42 M |
| Dividends | |||
| Dividend Yield | N/A | Payout Ratio | N/A |
| Dividend Growth (3Y) | N/A | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | N/A | ||
| Valuation | |||
| P/E Ratio | 19.25 | Forward P/E | N/A |
| P/B Ratio | 1.60 | P/S Ratio | N/A |
| PEG Ratio | N/A | Forward PEG | N/A |
| EV/EBITDA | N/A | Fwd EV/EBITDA | N/A |
| Forward P/S | N/A | Fwd Earnings Yield | N/A |
| FCF Yield | 6.41% | ||
| Market Cap | 363.94 M | Enterprise Value | 202.64 M |
| Per Share | |||
| EPS (Diluted TTM) | 2.56 | Revenue / Share | N/A |
| FCF / Share | 3.18 | OCF / Share | 3.66 |
| EPS CAGR (1Y) | 37.63% | EPS CAGR (5Y) | 1.10% |
| EPS CAGR (10Y) | 4.45% | ||
| Efficiency | |||
| CapEx / Revenue | N/A | FCF Conversion | 123.42% |
| SBC-Adj. FCF | 22.98 M | Growth Momentum | N/A |
Income Statement
Annual, most recent first
Income Statement
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Net Income | 18.91 M | 13.89 M | 18.17 M | 22.24 M | 19.50 M |
| EPS (Diluted) | 2.56 | 1.86 | 2.40 | 2.91 | 2.45 |
| Gross Profit | — | — | — | — | — |
| Operating Income | — | — | — | — | — |
| EBITDA | — | — | — | — | — |
| R&D Expenses | — | — | — | — | — |
| SG&A Expenses | — | — | — | — | — |
| D&A | — | — | — | — | — |
| Interest Expense | 62.54 M | 55.84 M | 21.69 M | 5.32 M | 7.41 M |
| Income Tax | 5.21 M | 2.51 M | 3.67 M | 4.61 M | 3.85 M |
Balance Sheet
Annual, most recent first
Balance Sheet
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 2.21 B | 2.09 B | 2.06 B | 2.03 B | 2.03 B |
| Total Liabilities | 1.98 B | 1.88 B | 1.86 B | 1.84 B | 1.82 B |
| Shareholders' Equity | 231.40 M | 210.28 M | 202.40 M | 186.21 M | 211.05 M |
| Total Debt | — | — | — | — | — |
| Cash & Equivalents | 26.04 M | 24.54 M | 33.67 M | 38.92 M | 105.33 M |
| Current Assets | — | — | — | — | — |
| Current Liabilities | — | — | — | — | — |
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