ISBA
ISABELLA BANK CORP
Next earnings Jul 17, 2026 (after close) · consensus $-1.08 EPS, $803M rev
Last earnings -4.3% on 2026-04-23
$40.15
▲ +0.75%$40.15▲ +7.52%
over 1Y
L $28.04EODHDH $56.22
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.8%
1W+1.1%
1M-4.3%
3M-12.1%
YTD-19.7%
1Y+7.5%
Buy
Conviction
Horizon
Medium (3–12mo)
Street · 10 analysts
Sell
Revenue grew 5.0% YoY.
The read
Quality fundamentals and an attractive price line up (~142% below fair value) — the rarer case where both the business and the entry look good.
ISABELLA BANK CORP shows $5.66M in FY2018 revenue (+5.0% YoY), a 334.4% net margin, and 8.2% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $19.5M | $22.2M | $18.2M | $13.9M | $18.9M |
| Diluted EPS | $2.45 | $2.91 | $2.40 | $1.86 | $2.56 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF12.6
PEG (trailing)0.43
Earnings yield6.4%
FCF yield7.9%
Quality & risk
ROIC (est.)—
Free cash flow$23.3M
Total debt$0.00
Net cash$26.0M
Piotroski F-Score5/6
Capital returns
Buyback yield1.6%
Dividend yield (est.)2.7%
Shareholder yield4.3%
Shares Δ YoY-1.1%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗425Filing2026-06-18open ↗4Period ending 2026-06-162026-06-17open ↗8-KPeriod ending 2026-06-162026-06-16open ↗424B5Filing2026-06-16open ↗425Filing2026-06-15open ↗8-KPeriod ending 2026-06-112026-06-15open ↗425Filing2026-06-12open ↗425Filing2026-06-12open ↗425Filing2026-06-12open ↗425Filing2026-06-12open ↗425Filing2026-06-12open ↗425Filing2026-06-12open ↗
Frequently asked
- Is ISABELLA BANK CORP (ISBA) a buy?
- ISBA currently carries a Buy rating with 4/5 conviction, derived from its latest SEC filings. Revenue grew 5.0% YoY.
- What is ISBA's fair value?
- A Modified-Graham model based on ISBA's SEC fundamentals estimates a fair value of about $97.28. It is an estimate from reported earnings, not a price target.
- Is ISBA overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, ISBA currently appears undervalued relative to its SEC-grounded earnings power.
- What is ISABELLA BANK CORP's quality score?
- ISBA scores 72.11764705882352/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000842517, latest 10-Q filed 2026-05-06) · EODHD · as of 6/26/2026, 8:36:44 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.