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Isabella Bank Corporation

ISBA

NASDAQFinancial ServicesBanks - Regional

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Regular session

$39.7459

−$0.1841 · -0.46%

Aug 24, 10:10 AM ET

ISBA company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

74

Undervalued

Momentum

31

Weakening

Sentiment

66

Bullish

Risk resilience

61

Moderate Risk

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AI-generated, informational only, and not investment advice.

Company profile

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US

Market position

Day range

Current $39.7459

52-week range

Current $39.7459

Open
$40.14
Previous close
$39.93
Volume
32.37K
Market cap
291.44M USD
50-day average
$40.109
-0.91% below average
200-day average
$44.6947
-11.07% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
485.47M USD
EV / EBITDA
21.79×
Earnings yield
5.12%
Free cash flow yield
6.32%

Profitability & efficiency

Return on equity
8.17%
Return on assets
0.86%
Return on invested capital
4.45%

Financial health

Current ratio
0.12×
Altman Z-score
0.43
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends100%69%37%6%Gross margin, FY2021: 90.33%Gross margin, FY2022: 92.42%Gross margin, FY2023: 75.41%Gross margin, FY2024: 64.58%Gross margin, FY2025: 70.60%Operating margin, FY2021: 32.76%Operating margin, FY2022: 35.07%Operating margin, FY2023: 24.05%Operating margin, FY2024: 16.12%Operating margin, FY2025: 19.76%Net margin, FY2021: 27.36%Net margin, FY2022: 29.05%Net margin, FY2023: 20.02%Net margin, FY2024: 13.66%Net margin, FY2025: 16.88%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 90.33%. Gross margin FY2022 92.42%. Gross margin FY2023 75.41%. Gross margin FY2024 64.58%. Gross margin FY2025 70.60%. Operating margin FY2021 32.76%. Operating margin FY2022 35.07%. Operating margin FY2023 24.05%. Operating margin FY2024 16.12%. Operating margin FY2025 19.76%. Net margin FY2021 27.36%. Net margin FY2022 29.05%. Net margin FY2023 20.02%. Net margin FY2024 13.66%. Net margin FY2025 16.88%.

Income trends

Revenue

112M USD+10.11%

Operating income

22.13M USD+34.98%

Net income

18.91M USD+36.15%
Income trends across reported periods121.81M USD82.57M USD43.32M USD4.08M USDRevenue, FY2021: 71.28M USDRevenue, FY2022: 76.55M USDRevenue, FY2023: 90.76M USDRevenue, FY2024: 101.71M USDRevenue, FY2025: 112M USDOperating income, FY2021: 23.35M USDOperating income, FY2022: 26.84M USDOperating income, FY2023: 21.83M USDOperating income, FY2024: 16.4M USDOperating income, FY2025: 22.13M USDNet income, FY2021: 19.5M USDNet income, FY2022: 22.24M USDNet income, FY2023: 18.17M USDNet income, FY2024: 13.89M USDNet income, FY2025: 18.91M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 71.28M USD. Revenue FY2022 76.55M USD. Revenue FY2023 90.76M USD. Revenue FY2024 101.71M USD. Revenue FY2025 112M USD. Operating income FY2021 23.35M USD. Operating income FY2022 26.84M USD. Operating income FY2023 21.83M USD. Operating income FY2024 16.4M USD. Operating income FY2025 22.13M USD. Net income FY2021 19.5M USD. Net income FY2022 22.24M USD. Net income FY2023 18.17M USD. Net income FY2024 13.89M USD. Net income FY2025 18.91M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue112M USD101.71M USD90.76M USD76.55M USD71.28M USD
Cost of goods sold32.93M USD36.03M USD22.32M USD5.8M USD6.89M USD
Gross profit79.07M USD65.69M USD68.45M USD70.75M USD64.38M USD
Selling, general, and administrative42.57M USD31.42M USD28.9M USD27.4M USD26.08M USD
Operating expenses56.94M USD49.29M USD46.62M USD43.91M USD41.04M USD
Interest income96.04M USD89.98M USD79.63M USD65.8M USD60.11M USD
Interest expense33.49M USD34.14M USD21.69M USD5.32M USD7.41M USD
Depreciation and amortization146K USD2.09M USD1.98M USD2.07M USD2.94M USD
Operating income22.13M USD16.4M USD21.83M USD26.84M USD23.35M USD
Net income18.91M USD13.89M USD18.17M USD22.24M USD19.5M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
36%
4 beats, 6 misses, 1 met estimate
Average EPS surprise
-4.88%
11 comparable reports
Latest EPS result
0.69
Estimate 0.92 · Miss by 25.00%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.960.790.620.45Q1 '25BeatQ2 '25BeatQ3 '25MetQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 0.52, estimate 0.49, surprise +6.12%, Beat. Q2 2025, reported Apr 17, 2025: actual 0.57, estimate 0.52, surprise +9.62%, Beat. Q3 2025, reported Jul 24, 2025: actual 0.55, estimate 0.55, surprise 0.00%, Met estimate. Q4 2025, reported Oct 27, 2025: actual 0.71, estimate 0.6, surprise +18.33%, Beat. Q1 2026, reported Feb 5, 2026: actual 0.64, estimate 0.74, surprise -13.51%, Miss. Q2 2026, reported Apr 23, 2026: actual 0.68, estimate 0.78, surprise -12.82%, Miss. Q3 2026, reported Jul 23, 2026: actual 0.69, estimate 0.92, surprise -25.00%, Miss. Q4 2026, reported Oct 26, 2026: actual —, estimate 0.92, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates30.91M25.93M20.94M15.96MQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 17.15M USD, estimate 18.6M USD, surprise -7.82%, Miss. Q2 2025, reported Apr 17, 2025: actual 17.57M USD, estimate 19.3M USD, surprise -8.98%, Miss. Q3 2025, reported Jul 24, 2025: actual 18.26M USD, estimate 19.8M USD, surprise -7.78%, Miss. Q4 2025, reported Oct 27, 2025: actual 19.88M USD, estimate 19.8M USD, surprise +0.38%, Beat. Q1 2026, reported Feb 5, 2026: actual 29.72M USD, estimate 21M USD, surprise +41.53%, Beat. Q2 2026, reported Apr 23, 2026: actual 21.48M USD, estimate 21.7M USD, surprise -1.04%, Miss. Q3 2026, reported Jul 23, 2026: actual 22.68M USD, estimate 23M USD, surprise -1.39%, Miss. Q4 2026, reported Oct 26, 2026: actual —, estimate 23.9M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$43.00

8.19% upside
Past 12 months12-month forecastHigh $43.00Average $43.00Low $43.00

Recent analyst actions

1 institution

ISBA news

seekingalpha.com

Isabella Bank Struggles To Keep Pace With Expectations

Isabella Bank Corporation remains a Hold as recent earnings disappoint and valuation normalizes after a sharp price decline. ISBA's Q2 2026 EPS missed by 25%, marking the third consecutive earnings miss and highlighting…

Read source
zacks.com

Isabella Bank Corporation (ISBA) Lags Q2 Earnings and Revenue Estimates

Isabella Bank Corporation (ISBA) came out with quarterly earnings of $0.69 per share, missing the Zacks Consensus Estimate of $0.92 per share. This compares to earnings of $0.55 per share a year ago.

Read source
accessnewswire.com

Isabella Bank Corporation Reports Second Quarter 2026 Earnings

MOUNT PLEASANT, MI / ACCESS Newswire / July 23, 2026 / Isabella Bank Corporation (Nasdaq:ISBA) ("Isabella" or the "Company") reported net income of $5.0 million, or $0.69 per diluted share, for the second quarter 2026…

Read source
accessnewswire.com

Isabella Bank Corporation Added to Russell 2000 Index

MOUNT PLEASANT, MI / ACCESS Newswire / July 2, 2026 / Isabella Bank Corporation ("Isabella") (NASDAQ:ISBA) (the "Company"), the holding company for Isabella Bank, today announced it has been added to the Russell 2000®…

Read source
accessnewswire.com

Isabella Bank Corporation to Acquire Grand River Commerce, Inc.

Highlights: Expands presence in southwest Michigan, including the high-growth Grand Rapids area Combines two strong community banks, with continued focus on serving customers, communities and shareholders Aligns with the…

Read source
accessnewswire.com

Isabella Bank Corporation Announces Second Quarter 2026 Dividend

MT. PLEASANT, MI / ACCESS Newswire / May 28, 2026 / Isabella Bank Corporation (Nasdaq:ISBA) today announced its Board of Directors declared a second-quarter cash dividend of $0.28 per common share at its regular meeting…

Read source

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.12

2025 complete year+3.7% since 2021

2026 partial: $0.56

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Jun 26, 2026

$0.28

Quarterly

Record Jun 26, 2026 · Payment Jun 30, 2026

Dividend

Ex-dividend Mar 27, 2026

$0.28

Quarterly

Record Mar 27, 2026 · Payment Mar 31, 2026

Dividend

Ex-dividend Dec 17, 2025

$0.28

Quarterly

Record Dec 17, 2025 · Payment Dec 19, 2025

Dividend

Ex-dividend Sep 26, 2025

$0.28

Quarterly

Record Sep 26, 2025 · Payment Sep 30, 2025

Dividend

Ex-dividend Jun 26, 2025

$0.28

Quarterly

Record Jun 26, 2025 · Payment Jun 30, 2025

Dividend

Ex-dividend Mar 27, 2025

$0.28

Quarterly

Record Mar 27, 2025 · Payment Mar 31, 2025

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