Is Isabella Bank Corporation (ISBA) Overvalued?
We dive into why Isabella Bank Corporation (ISBA) could be considered overvalued on 2026-08-17, based on AAII’s Value Score and Grade.Michael Rose
A+ Stock Grade Summary:
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COMPANY SUMMARY
Isabella Bank Corporation operates as 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 offers deposit products, including checking and savings accounts; and certificates of deposit, direct deposits, and cash management services. Its loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans, including secured and unsecured personal loans. In addition, the company provides mobile and internet banking, investment management, trust and estate services, automated teller machines, and insurance products. Isabella Bank Corporation was founded in 1903 and is headquartered in Mount Pleasant, Michigan.
Commentary & Analysis
Why Isabella Bank Corporation’s (ISBA) Stock Is Up 6.90%
As of Monday, July 27, Isabella Bank Corporation’s ISBA share price has surged by 6.90%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
What You Need to Know About Isabella Bank Corporation's Q3 Earnings
Isabella Bank Corporation's fiscal Q3 earnings report was released on Thursday, July 23. Let's dive in to see if (ISBA) missed or beat analyst's expectations.Rosalio Madrigal
Why Isabella Bank Corporation’s (ISBA) Stock Is Down 5.77%
As of Tuesday, June 16, Isabella Bank Corporation’s ISBA share price has dipped by 5.77%, which has investors questioning if this is right time to buy.Michael Rose
Why Isabella Bank Corporation’s (ISBA) Stock Is Down 7.77%
As of Friday, April 24, Isabella Bank Corporation’s ISBA share price has dipped by 7.77%, which has investors questioning if this is right time to buy.Jenna Brashear
Financial Summary
| Share Statistics | ISBA | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $284.5 | $673.5 | 31% |
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| Shares Out (Mil) | 7.3 | 15.4 | 18% |
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| Institutional Ownership | 73.6% | 84.1% | 45% |
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| Float (Mil) | 7.1 | 21.6 | 15% |
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| Beta | 0.03 | 0.45 | 7% |
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| Avg Daily Volume (000s) | 30 | 44 | 24% |
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| Price Change (52-week) |
3.6% | 90.3% | 56% |
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| Growth | ISBA | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 4.9% | 7.7% | 36% |
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| Net Income (5yr) | 11.6% | 11.1% | 58% |
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| EPS (5yr) | 13.8% | 10.0% | 54 |
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| Dividends (5yr) | 0.7% | 3.6% | 81% |
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| Cash Flow (5yr) | (61.4%) | (17.1%) | 4% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 1 | 1 | 1 | |
| Current EPS | $0.920 | $3.300 | $3.950 | |
| Month Ago EPS | $0.920 | $3.300 | $3.950 | |
| # Rev Up | 1 | 0 | 1 | |
| # Rev Down | 0 | 1 | 0 | |
| Three Months Ago EPS | $0.970 | $3.550 | $3.950 | |
| Year/Year Chg | 33.7% | 28.9% | na | |
| Financials | ISBA | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $83 | $187 | 24% |
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| Net Income (TTM) (Mil) | $20 | $53 | 49% |
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| EPS (TTM) | $2.722 | $2.600 | 76% |
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| Operating Cash Flow (TTM) (Mil) | $26 | $34 | 43% |
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| Net Cash Flow (TTM) (Mil) | ($67) | $2 | 18% |
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| Long-Term Debt (Q1) (Mil) | $30 | $94 | 35% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | ISBA | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.14 | 1.23 | 29% |
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| P/E | 13.7 | 12.0 | 35% |
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| Dividend Yield | 3.0% | 2.3% | 84% |
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| PEG (5yr hist) | 1.0 | 1.1 | 47% |
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| Ratios | ISBA | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 24.0% | 29.2% | 82% |
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| ROA | 0.9% | 1.1% | 45% |
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| ROE | 8.5% | 11.3% | 52% |
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| Liabilities to Assets | 88.8% | 89.7% | 84% |
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| F-Score | 6 | 4 | 67% |
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Passing Stock Screens
As of 10/9/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.7% |
| +/- S&P 500: | -0.8 |
