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Isabella bank corporationISBA.US Overview

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ISBA Recent Performance

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Isabella bank corporation

0.23%

Avg of Sector

-0.49%

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ISBA Profile

Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides various banking products and services to businesses, institutions, and individuals and their families. Its deposit products include checking accounts, savings accounts, certificates of deposit, direct deposits, and money market accounts. The company's loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans, including secured and unsecured personal loans. It also offers cash management, mobile and internet banking, electronic bill pay, automated teller machines, trust and investment, estate planning, and safe deposit box rental services; and group life, health, accident, disability, and other insurance products, as well as other employee benefit programs. As of December 31, 2021, the company operated 30 banking offices in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. Isabella Bank Corporation was founded in 1903 and is headquartered in Mount Pleasant, Michigan.

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ISBA FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

ISBA Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.72
PE Ratio (TTM)
-
Forward PE
-
PS Ratio (TTM)
-
PB Ratio
-
Price-to-FCF
10.09
METRIC
VALUE
vs. INDUSTRY
Gross Margin
90.88%
Net Margin
22.07%
Revenue Growth (YoY)
28.47%
Profit Growth (YoY)
16.75%
3-Year Revenue Growth
17.82%
3-Year Profit Growth
5.62%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.72
PE Ratio (TTM)
-
Forward PE
-
PS Ratio (TTM)
-
PB Ratio
-
Price-to-FCF
10.09
Gross Margin
90.88%
Net Margin
22.07%
Revenue Growth (YoY)
28.47%
Profit Growth (YoY)
16.75%
3-Year Revenue Growth
17.82%
3-Year Profit Growth
5.62%
  • When is ISBA's latest earnings report released?

    The most recent financial report for Isabella bank corporation (ISBA) covers the period of 2026Q1 and was published on 2026/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating ISBA's short-term business performance and financial health. For the latest updates on ISBA's earnings releases, visit this page regularly.

  • Where does ISBA fall in the P/E River chart?

    According to historical valuation range analysis, Isabella bank corporation (ISBA)'s current price-to-earnings (P/E) ratio is 16.79, placing it in the Watch zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of ISBA?

    According to the latest financial report, Isabella bank corporation (ISBA) reported an Operating Profit of 5.98M with an Operating Margin of 20.27% this period, representing a growth of 11.78% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is ISBA's revenue growth?

    In the latest financial report, Isabella bank corporation (ISBA) announced revenue of 29.49M, with a Year-Over-Year growth rate of 62.39%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does ISBA have?

    As of the end of the reporting period, Isabella bank corporation (ISBA) had total debt of 143.07M, with a debt ratio of 0.06. Short-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does ISBA have?

    At the end of the period, Isabella bank corporation (ISBA) held Total Cash and Cash Equivalents of 50.11M, accounting for 0.02 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does ISBA go with three margins increasing?

    In the latest report, Isabella bank corporation (ISBA) achieved the “three margins increasing” benchmark, with a gross margin of 72.03%%, operating margin of 20.27%%, and net margin of 16.93%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess ISBA's profit trajectory and future growth potential.

  • Is ISBA's EPS continuing to grow?

    According to the past four quarterly reports, Isabella bank corporation (ISBA)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.68. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of ISBA?

    Isabella bank corporation (ISBA)'s Free Cash Flow (FCF) for the period is 10.65M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 61.18% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of ISBA?

    The latest valuation data shows Isabella bank corporation (ISBA) has a Price-To-Earnings (PE) ratio of 16.79 and a Price/Earnings-To-Growth (PEG) ratio of 2.69. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.