Isabella Bank

NAQ:ISBA · US4642141059

BanksSmall

360

Value23

Profit price13

Cash yield61

Sales & asset price25

Price/Sales34

EV / Gross Profit15

Price/Book25

Quality34

Returns on capital20

Profit margins—

Cash backing42

Cash Conversion74

Accruals22

Owner Earnings Margin29

Growth72

Sales growth70

Profit growth34

Profit Growth8

Owner Earnings Growth60

Reinvestment65

Price momentum90

Safety52

Debt load24

Debt serviceability82

Liquidity47

Sentiment46

Analyst ratings1

Expectations trend55

Opinion Changes50

Price Target Upside59

Market mood1

Value Creation13/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Isabella Bank clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA

IndustryBanks

SizeSmall

TypePublic Company

ExchangeNASDAQCM

Founded1988

Websiteir.isabellabank.com/investor-relations/default.aspx

ISINUS4642141059

Last UpdateApr 2, 2026

Indices

NASDAQ (USA)

Description

Isabella Bank Corporation is a financial holding company. The company’s wholly owned subsidiary, Isabella Bank, has various offices located throughout Bay, Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. The area includes…

Analysis

Hope premium

Isabella Bank Corporation is priced well ahead of what the underlying numbers justify, a pattern we describe as a hope premium.

On valuation, the picture is fair. The owner-earnings multiple stands at 16.6×; owner earnings: the cash an owner could take out each year.

Growth is solid; the safety picture is adequate. The company scores 13/20 on our value-creation score: creating some value.

Flags to be aware of: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250

2026

All-time high

Jun 2026

All-time low

Mar 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →