Isabella Bank Statistics
Total Valuation
Isabella Bank has a market cap or net worth of $239.20 million. The enterprise value is $203.32 million.
Important Dates
The last earnings date was Thursday, July 24, 2025, after market close.
| Earnings Date | Jul 24, 2025 |
| Ex-Dividend Date | Jun 26, 2025 |
Share Statistics
Isabella Bank has 7.36 million shares outstanding. The number of shares has decreased by -1.15% in one year.
| Current Share Class | 7.36M |
| Shares Outstanding | 7.36M |
| Shares Change (YoY) | -1.15% |
| Shares Change (QoQ) | -0.43% |
| Owned by Insiders (%) | 13.82% |
| Owned by Institutions (%) | 3.87% |
| Float | 6.34M |
Valuation Ratios
The trailing PE ratio is 14.84 and the forward PE ratio is 12.90.
| PE Ratio | 14.84 |
| Forward PE | 12.90 |
| PS Ratio | 3.29 |
| Forward PS | 5.62 |
| PB Ratio | 1.09 |
| P/TBV Ratio | 1.39 |
| P/FCF Ratio | 11.52 |
| P/OCF Ratio | 10.30 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 12.51 |
| EV / Sales | 2.77 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 9.80 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 3.50 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 7.69%.
| Return on Equity (ROE) | 7.69% |
| Return on Assets (ROA) | 0.77% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $199,171 |
| Profits Per Employee | $44,177 |
| Employee Count | 368 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Isabella Bank has paid $3.44 million in taxes.
| Income Tax | 3.44M |
| Effective Tax Rate | 17.45% |
Stock Price Statistics
The stock price has increased by +67.80% in the last 52 weeks. The beta is 0.27, so Isabella Bank's price volatility has been lower than the market average.
| Beta (5Y) | 0.27 |
| 52-Week Price Change | +67.80% |
| 50-Day Moving Average | 31.98 |
| 200-Day Moving Average | 26.71 |
| Relative Strength Index (RSI) | 53.46 |
| Average Volume (20 Days) | 7,664 |
Short Selling Information
The latest short interest is 62,773, so 0.85% of the outstanding shares have been sold short.
| Short Interest | 62,773 |
| Short Previous Month | 78,730 |
| Short % of Shares Out | 0.85% |
| Short % of Float | 0.99% |
| Short Ratio (days to cover) | 6.24 |
Income Statement
In the last 12 months, Isabella Bank had revenue of $73.30 million and earned $16.26 million in profits. Earnings per share was $2.19.
| Revenue | 73.30M |
| Gross Profit | 73.30M |
| Operating Income | 20.86M |
| Pretax Income | n/a |
| Net Income | 16.26M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.19 |
Full Income StatementBalance Sheet
The company has $108.55 million in cash and $72.68 million in debt, giving a net cash position of $35.88 million or $4.87 per share.
| Cash & Cash Equivalents | 108.55M |
| Total Debt | 72.68M |
| Net Cash | 35.88M |
| Net Cash Per Share | $4.87 |
| Equity (Book Value) | 220.50M |
| Book Value Per Share | 29.95 |
| Working Capital | -1.78B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $23.22 million and capital expenditures -$2.46 million, giving a free cash flow of $20.76 million.
| Operating Cash Flow | 23.22M |
| Capital Expenditures | -2.46M |
| Free Cash Flow | 20.76M |
| FCF Per Share | $2.82 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 28.46% |
| Pretax Margin | 26.87% |
| Profit Margin | 22.18% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 28.32% |
Dividends & Yields
This stock pays an annual dividend of $1.12, which amounts to a dividend yield of 3.45%.
| Dividend Per Share | $1.12 |
| Dividend Yield | 3.45% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 51.15% |
| Buyback Yield | 1.15% |
| Shareholder Yield | 4.60% |
| Earnings Yield | 6.80% |
| FCF Yield | 8.68% |
Dividend DetailsAnalyst Forecast
The average price target for Isabella Bank is $34.00, which is 4.62% higher than the current price. The consensus rating is "Hold".
| Price Target | $34.00 |
| Price Target Difference | 4.62% |
| Analyst Consensus | Hold |
| Analyst Count | 1 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
The last stock split was on March 11, 2008. It was a forward split with a ratio of 1.1:1.
| Last Split Date | Mar 11, 2008 |
| Split Type | Forward |
| Split Ratio | 1.1:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |