ISABELLA BANK CORP
Datakwaliteit: 83%
ISBA
Nasdaq
Financial Services
Depository Institutions
€ 49,65
▲
€ 1,76
(3,68%)
Marktkapitalisatie: 363,94 M
Prijs
€ 49,65
Marktkapitalisatie
363,94 M
Dagbereik
€ 47,26 — € 49,65
52-Weeksbereik
€ 23,00 — € 58,83
Volume
44.700
Openen € 48,02
50D / 200D Gem.
€ 48,10
3,22% above
50D / 200D Gem.
€ 40,78
21,75% above
Quick Summary
Belangrijkste Punten
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
Groei
Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)36,15%
FCF Growth (3Y)8,98%
Kwaliteit
Return on Equity
8,44%
Onder sectorgemiddelde (10,70%)
ROICN/A
Net MarginN/A
Op. MarginN/A
Veiligheid
Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A
Waardering
PE (TTM)
19,25
Boven sectorgemiddelde (12,63)
P/B Ratio1,60
EV/EBITDAN/A
Dividend YieldN/A
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (1096 peers)
Sectorvergelijking
vs Financial Services sector mediaan (1096 peers)| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| P/E | 19,3 | 12,6 |
| P/B | 1,6 | 1,4 |
| ROE % | 8,4 | 10,7 |
| Net Margin % | — | 14,8 |
| Rev Growth 5Y % | — | 6,4 |
| 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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