Stock Scorecard

Stock Summary for Isabella Bank Corp (ISBA) - $39.71 as of 7/31/2026 8:03:55 PM EST

Total Score

21 out of 30

Safety Score

57 out of 100

Currently on the following lists
None
Tim's Recommendation
Buy

Growth List Algorithm Criteria for ISBA

Positive Quarterly and Annual earnings growth
P/E ratio less than Industry P/E Ratio
P/E ratio less than Sector P/E Ratio
P/E ratio that is half the Annual earnings growth rate (or less)
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Positive net income past year and 12 trailing months
Free cash flow ratio greater than 0 and less than 10

Small Cap List Algorithm Criteria for ISBA

Revenue growing by at least 20% average per year over the last 5 years
Market Capitalization under 2 billion
Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months
Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months
Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year

Dividend List Algorithm Criteria for ISBA

Declared an ex-dividend date
Forward annual dividend rate greater than 2
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Current ratio most recent quarter greater than 2
Cash Flow per Share greater than Trailing Dividend Rate

Bonus Criteria for ISBA

P/E ratio less than five-year Average P/E ratio
Last Price to 52 Week Low Ratio Less Than 1
Total Cash Per Share > Last Day Price
P/S Ratio < 1
P/B Ratio < 1

Safety Rating Criteria for ISBA (57 out of 100)

Stock Price Rating (Max of 10) 8
Historical Stock Price Rating (Max of 10) 7
Stock Price Trend (Max of 10) 9
Book Value (Max of 10) 8
Book Value to Price (Max of 10) 1
Analyst Buy Ratings (Max of 5) 0
Analyst Strong Buy Ratings (Max of 5) 0
Dividend Yield Percentage (Max of 10) 6
Operating Margin (Max of 10) 6
Trading Volume (Max of 10) 3
Price to Earnings (Max of 10) 9
Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) 0

Financial Details for ISBA

Company Overview
Ticker ISBA
Company Name Isabella Bank Corp
Country USA
Description Isabella Bank Corporation is the bank holding company for Isabella Bank that provides banking and wealth management services to businesses, institutions, and individuals and their families in Michigan, the United States. The company is headquartered in Mount Pleasant, Michigan.
Sector Name FINANCIAL SERVICES
Industry Name BANKS - REGIONAL
Most Recent Quarter 6/30/2026
Next Earnings Date N/A

Stock Price History
Last Day Price 39.71
Price 4 Years Ago 20.15
Last Day Price Updated 7/31/2026 8:03:55 PM EST
Last Day Volume 99,269
Average Daily Volume 87,886
52-Week High 58.05
52-Week Low 28.75
Last Price to 52 Week Low 38.12%

Valuation Measures
Trailing PE 14.63
Industry PE 15.62
Sector PE 19.21
5-Year Average PE 21.31
Free Cash Flow Ratio 0.59
Industry Free Cash Flow Ratio 11.56
Sector Free Cash Flow Ratio 56.37
Current Ratio Most Recent Quarter 4.15
Total Cash Per Share 66.80
Book Value Per Share Most Recent Quarter 31.90
Price to Book Ratio 1.23
Industry Price to Book Ratio 1.31
Sector Price to Book Ratio 1.94
Price to Sales Ratio Twelve Trailing Months 3.65
Industry Price to Sales Ratio Twelve Trailing Months 3.67
Sector Price to Sales Ratio Twelve Trailing Months 4.09
Analyst Buy Ratings 0
Analyst Strong Buy Ratings 0

Share Statistics
Total Shares Outstanding 7,628,800
Market Capitalization 302,939,648
Institutional Ownership 14.17%

Dividends
Ex-Dividend Date 6/26/2026
Previous Dividend Amount 0.2800
Current Dividend Amount 0.2800
Total Years Dividend Increasing 0
Trailing Annual Dividend Rate 1.12
Trailing Annual Dividend Yield 2.85%
Forward Annual Dividend Rate 1.12
Forward Annual Dividend Yield 2.85%
5-Year Dividend Payments Count 20
3-Year Average Dividend Yield 2.27%
5-Year Average Dividend Yield 4.49%
1-Year Dividend Growth Rate Percentage 0.00%
3-Year Dividend Growth Rate Percentage 0.00%
5-Year Dividend Growth Rate Percentage 0.68%
All-Time Dividend Growth Rate Percentage 4.43%
Dividend Payout Ratio 41.33%

Income Statement
Quarterly Earnings Growth YOY 1.50%
Annual Earnings Growth 36.15%
Reported EPS 12 Trailing Months 2.72
Reported EPS Past Year 0.68
Reported EPS Prior Year 2.47
Net Income Twelve Trailing Months 19,953,000
Net Income Past Year 18,910,000
Net Income Prior Year 13,889,000
Quarterly Revenue Growth YOY 8.30%
5-Year Revenue Growth 8.13%
Operating Margin Twelve Trailing Months 32.30%

Balance Sheet
Total Cash Most Recent Quarter 481,063,000
Total Cash Past Year 26,041,000
Total Cash Prior Year 24,542,000
Net Cash Position Most Recent Quarter 451,526,000
Net Cash Position Past Year -48,473,000
Long Term Debt Past Year 74,514,000
Long Term Debt Prior Year 59,424,000
Total Debt Most Recent Quarter 29,537,000
Equity to Debt Ratio Past Year 0.76
Equity to Debt Ratio Most Recent Quarter 0.89
Total Stockholder Equity Past Year 231,396,000
Total Stockholder Equity Prior Year 210,276,000
Total Stockholder Equity Most Recent Quarter 248,704,000

Free Cash Flow
Free Cash Flow Twelve Trailing Months 22,860,000
Free Cash Flow Per Share Twelve Trailing Months 3.00
Free Cash Flow Past Year 23,338,000
Free Cash Flow Prior Year 17,531,000

Options
Put/Call Ratio 0.00
Has Options False
Liquidity Rating None

Technical Analysis
Yahoo Finance Chart Yahoo Finance Chart
MACD -0.32
MACD Signal -0.49
20-Day Bollinger Lower Band 36.50
20-Day Bollinger Middle Band 41.84
20-Day Bollinger Upper Band 47.19
Beta 0.03
RSI 50.72
50-Day SMA 28.04
150-Day SMA 0.00
200-Day SMA 0.00

System
Modified 7/31/2026 8:03:56 PM EST