ISABELLA BANK CORP
Qualité des données : 83%
ISBA
NASDAQ
Financial Services
Depository Institutions
48,90 €
▼
0,33 €
(-0,67%)
6 months return
—
Momentum
Neutral
1Y earnings growth
36,15%
Croissance
Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)36,15%
FCF Growth (3Y)8,98%
Qualité
Return on Equity
8,44%
En dessous de la moyenne du secteur (9,21%)
ROICN/A
Net MarginN/A
Op. MarginN/A
Sécurité
Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A
Valorisation
PE (TTM|NTM|2027)
19,25 | 12,18 | 12,41
Au-dessus de la moyenne du secteur (11,13)
P/B Ratio1,60
EV/EBITDAN/A
Dividend Yield2,26%
Quick Summary
Key Takeaways
Short bullets derived from reported financials—not the AI summary above.
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
Dividend yield of 2,26% — meaningful income
Healthy payout ratio of 43,75% with room to grow
18 consecutive years of dividends — reliable payer
Price History
Tendances Financières
Objectif de Cours des Analystes
1 analyste
Hold
+10.4%
upside to target
Actuel
48,90 €
Consensus Target
54,00 €
54,00 €
Bas
54,00 €
Haut
Prévisions
P/E Prévisionnel
12,18
BPA Prévisionnel
4,00 €
Croissance BPA (est.)
+11,1%
CA Est.
100,20 M
Surprises de Résultats
EPS
Reported
Estimate
Forecast
Next: Q1 2026
·
EPS Est: 0,78 €
·
Rev Est: 21,70 M
| Q12025 | Q22025 | Q32025 | Q42025 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|
| Reported | 0,57 € | 0,55 € | 0,71 € | 0,64 € | — | — |
| Estimate | 0,49 € | 0,59 € | 0,63 € | 0,74 € | 0,78 € | 0,86 € |
| Surprise | +16,33% | -6,78% | +12,70% | -13,51% | — | — |
Growth
Rev 5Y: N/A · Earnings 1Y: 36,15%
Growth
Rev 5Y: N/A · Earnings 1Y: 36,15%| 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
ROE: 8,44% · Net Margin: N/A
Profitability
ROE: 8,44% · Net Margin: N/A| 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
D/E: N/A · Current: N/A
Safety
D/E: N/A · Current: N/A| 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
Yield: 2,26% · Payout: 43,75%
Dividends
Yield: 2,26% · Payout: 43,75%| Dividend Yield | 2,26% | Payout Ratio | 43,75% |
| Dividend Growth (3Y) | 0,91% | Dividend Growth (5Y) | 0,73% |
| Consecutive Div Years | 18 yrs | ||
Valuation
P/E: 19,25 · EV/EBITDA: N/A
Valuation
P/E: 19,25 · EV/EBITDA: N/A| P/E Ratio | 19,25 | Forward P/E | 12,18 |
| P/B Ratio | 1,60 | P/S Ratio | N/A |
| PEG Ratio | N/A | Forward PEG | 1,10 |
| EV/EBITDA | N/A | Fwd EV/EBITDA | N/A |
| Forward P/S | 3,63 | Fwd Earnings Yield | 8,21% |
| FCF Yield | 6,41% | ||
| Market Cap | 363,94 M | Enterprise Value | 202,64 M |
Per Share
EPS: 2,56 · FCF/Share: 3,18
Per Share
EPS: 2,56 · FCF/Share: 3,18| 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
FCF Conv: 123,42% · CapEx/Rev: N/A
Efficiency
FCF Conv: 123,42% · CapEx/Rev: N/A| 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 | — | — | — | — | — |
Comparaison Sectorielle
vs médiane du secteur Financial Services (6628 pairs)
Par rapport à des entreprises similaires dans Financial Services
Comparaison Sectorielle
vs médiane du secteur Financial Services (6628 pairs) Par rapport à des entreprises similaires dans Financial Services| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 19,3 | 11,1 |
| P/B | 1,6 | 1,2 |
| ROE % | 8,4 | 9,2 |
| Net Margin % | — | 9,4 |
| Rev Growth 5Y % | — | 5,8 |
| D/E | — | 0,5 |
Historique des dividendes
Historique des dividendes
Rendement
2,26%
Taux de distribution
43,75%
Croissance (3 ans)
0,91%
Croissance (5 ans)
0,73%
Derniers paiements par action (plus récent en premier).
| Ex-dividende | Paiement | Montant / action |
|---|---|---|
| Mar 27, 2026 | — | 0,28 € |
| Dec 17, 2025 | — | 0,28 € |
| Sep 26, 2025 | — | 0,28 € |
| Jun 26, 2025 | — | 0,28 € |
| Mar 27, 2025 | — | 0,28 € |
| Dec 16, 2024 | — | 0,28 € |
| Sep 26, 2024 | — | 0,28 € |
| Jun 26, 2024 | — | 0,28 € |
| Mar 26, 2024 | — | 0,28 € |
| Dec 12, 2023 | — | 0,28 € |
| Sep 26, 2023 | — | 0,28 € |
| Jun 27, 2023 | — | 0,28 € |
{"event":"ticker_viewed","properties":{"ticker":"ISBA","listing_kind":"stock","pathname":"/stocks/isba","exchange":"NASDAQ","country":"US"}}