Price
No data yet.
Social Signal Score
Analyst Ratings
1 analystRevenue
$16.94M+5.51%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Jerome E. Schwind
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 360
- Beta
- 0.03
- Country
- US
- Piotroski score
- 6 / 9 (Middling)
- Altman Z-score
- 0.42
Financials
Revenue
$16.94M+5.5%Net Income
$5.04M+40.3%EBITDA
$-6.54M-225.5%Free Cash Flow
$8.24M+55.1%EPS (diluted)
$0.69+53.3%Shares Outstanding (diluted)
7.34M-8.4%Operating Expenses
$14.67MCash & Debt
$481.06MReturn of Capital
$2.21MRevenue by Segment (annual)
$11.02MDividend per Share
$0.28Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $112.00M | $18.91M | $2.56 |
| 2024 | $101.71M | $13.89M | $1.86 |
| 2023 | $90.76M | $18.17M | $2.42 |
| 2022 | $76.55M | $22.24M | $2.95 |
| 2021 | $71.28M | $19.50M | $2.48 |
| 2020 | $75.75M | $10.88M | $1.37 |
| 2019 | $76.34M | $13.02M | $1.65 |
| 2018 | $72.52M | $14.02M | $1.78 |
| 2017 | $67.35M | $13.24M | $1.69 |
| 2016 | $62.17M | $13.80M | $1.77 |
| 2015 | $60.31M | $15.13M | $1.95 |
| 2014 | $60.04M | $13.72M | $1.77 |
| 2013 | $60.03M | $12.51M | $1.63 |
| 2012 | $67.25M | $12.21M | $1.61 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from ISBA's reported EPS growth of 3.6% a year over 13 years.
- EPS in 5 years
- $3.06
- Implied price
- $61.16
- Return from $38.34
- 9.8% a year
To earn 15.0% a year on these assumptions you'd need to buy at $30.41 — -20.7% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 14 | 17 | 20 | 23 | 26 |
|---|---|---|---|---|---|
| -6.4% | -7.6% | -4.0% | -0.8% | 2.0% | 4.5% |
| -1.4% | -2.7% | 1.2% | 4.5% | 7.5% | 10.1% |
| 3.6% | 2.2% | 6.3% | 9.8% | 12.9% | 15.7% |
| 8.6% | 7.2% | 11.4% | 15.1% | 18.4% | 21.3% |
| 13.6% | 12.1% | 16.5% | 20.4% | 23.8% | 26.9% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
80+0.00%Social Signal Score
Mentions (3)
- Newsaccessnewswire.com·6h ago·Negative
…ulatory Approvals and Closing Date for Merger MT PLEASANT, MI AND GRANDVILLE, MI / ACCESS Newswire / October 6, 2026 / Isabella Bank Corporation ("Isabella") (NASDAQ:ISBA) and Grand River Commerce, Inc. ("Grand River") (OTCQX:GNRV) announced today receipt of all required regulatory approvals necessary to complete their previously announced merger pursuant to the Agreement and Plan of Merger, dated as of June 11, 2026, by and among Isabella, Grand River and 401 Merger Sub, Inc. In addition, Grand…
View source ↗ - Newsaccessnewswire.com·8d ago·Negative
…f Election Materials and Election Deadline MT PLEASANT, MI AND GRANDVILLE, MI / ACCESS Newswire / September 28, 2026 / Isabella Bank Corporation ("Isabella") (NASDAQ:ISBA) and Grand River Commerce, Inc. ("Grand River") (OTCQX:GNRV) announced today the mailing of the election materials and the deadline for shareholders of Grand River to elect the form of consideration that they wish to receive in Grand River's proposed merger with Isabella. The proposed merger remains subject to the receipt of re…
View source ↗ - Newsaccessnewswire.com·40d ago·Negative
Isabella Bank Corporation Announces Third Quarter 2026 Dividend MOUNT PLEASANT, MI / ACCESS Newswire / August 27, 2026 / Isabella Bank Corporation (Nasdaq:ISBA) today announced its Board of Directors declared a third-quarter cash dividend of $0.28 per common share at its regular meeting on August 26, 2026. The dividend will be payable September 30, 2026 to shareholders of record as of September 28, 2026.
View source ↗
Earnings
Thu, Oct 15(in 8 days)
Consensus estimate $0.92 per share
Typical surprise +0.0% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Jul 23$0.69 vs $0.92miss
- Thu, Apr 23$0.68 vs $0.78miss
- Thu, Feb 5$0.64 vs $0.74miss
- Mon, Oct 27$0.71 vs $0.60beat
- Thu, Jul 24$0.55 vs $0.55beat
- Thu, Apr 17$0.57 vs $0.52beat
Estimates and results for ISBA via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by ISBA officers and directors.
- Bought
- $140k
- Sold
- $121k
30 trades
2 trades
- Bourland Jillbought
- Bourland Jillbought
- Bourland Jillbought
- Bourland Jillbought
- Bourland Jillbought
- Bourland Jillbought
- Bourland Jillbought
- Catlin Jon Dbought
68 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in ISBA.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.