ISBA
Isabella Bank Corporation
ISBA's fundamentals are strong, but it looks expensive: trading at 14x earnings, above its usual 12x. Analysts expect earnings growth.
ISBA Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
ISBA's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like ISBA.
ISBA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.1x | $23.34 | -41% |
| Forward | 11x | $39.60 | — |
| Fair | 12x | $35.44 | -11% |
| Current | 14x | $39.60 | — |
| Expensive | 16x | $44.67 | +13% |
Historical ranges are pointers, not guarantees.
ISBA's PE is in its fair range at 14x. If earnings grow as analysts expect, today's price would be 11x next year's earnings.
ISBA Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for ISBA, but weaker profitability.
ISBA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.65 | +27% |
| Q3 2026 | $2.87 | +17% |
| Q2 2026 | $2.72 | +24% |
| Q1 2026 | $2.71 | +38% |
| Q4 2025 | $2.56 | +38% |
| Q3 2025 | $2.46 | +34% |
| Q2 2025 | $2.19 | +11% |
| Q1 2025 | $1.97 | -7.1% |
| Q4 2024 | $1.86 | -22% |
ISBA earned $2.87 per share over the past year, up 17% from the year before.
ISBA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $23.9M | +17% |
| Q2 2026 | $22.5M | +19% |
| Q1 2026 | $21.2M | +18% |
| Q4 2025 | $21.2M | +14% |
| Q3 2025 | $20.5M | +14% |
| Q2 2025 | $18.8M | +9.7% |
| Q1 2025 | $18.1M | +8% |
| Q4 2024 | $18.5M | +8.2% |
ISBA's revenue has grown year over year for nine quarters in a row: $24M last quarter, up 17% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 34% | +3.8 points |
| Q2 2026 | 28% | -5.3 points |
| Q1 2026 | 28% | +1.2 points |
| Q4 2025 | 32% | +6.2 points |
| Q3 2025 | 31% | +9.3 points |
| Q2 2025 | 33% | +8.9 points |
| Q1 2025 | 27% | +5.1 points |
| Q4 2024 | 26% | -0.4 points |
ISBA's operating margin was 34% last quarter, up 3.8 points from the same quarter a year ago.
ISBA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $4.9M | +181% |
| Q2 2026 | $7.3M | +0.8% |
| Q1 2026 | $3.2M | -13% |
| Q4 2025 | $10.6M | +61% |
| Q3 2025 | $1.7M | -49% |
| Q2 2025 | $7.2M | +44% |
| Q1 2025 | $3.7M | +47% |
| Q4 2024 | $6.6M | +62% |
ISBA's free cash flow was $26M over the past year, up 35% from the year before. Free cash flow isn't a meaningful measure for financial services companies like ISBA.
ISBA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +4.2% | +306K shares |
| 1 year | +3.7% | +271K shares |
| 3 years | +1% | +72.5K shares |
| 5 years | -5% | -402K shares |
| Available history | -5.6% | -452K shares |
ISBA has 8M diluted shares, up 3.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $136,000 |
| Q2 2026 | $224,000 |
| Q1 2026 | $402,000 |
| Q4 2025 | $1.5M |
| Q3 2025 | $609,000 |
| Q2 2025 | $1.5M |
| Q1 2025 | $1.1M |
| Q3 2024 | $1M |
ISBA spent $2M buying back its own shares over the past year.
ISBA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.7x | Net Cash |
| Q2 2026 | -0.4x | Net Cash |
| Q1 2026 | -0.8x | Net Cash |
| Q4 2025 | 0.1x | Very low |
| Q3 2025 | -5.4x | Net Cash |
| Q2 2025 | -3.6x | Net Cash |
| Q1 2025 | -2.0x | Net Cash |
| Q4 2024 | 0.3x | Very low |
ISBA has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like ISBA.
ISBA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 48.7 | Neutral |
| Stochastic | 61.5 | Neutral |
ISBA's weekly RSI is 49 (neutral) and its Stochastic is 61 (neutral).
ISBA PE vs Financial Services Sector
| Metric | ISBA | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 6% above |
| PE % | 62 | 63 | 1 pt below |
ISBA is trading at 14x earnings, in line with the Financial Services sector's median of 13x.
ISBA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $38.6 | 2.5% above |
| 20 week MA | $39.2 | 1.1% above |
| 50 week MA | $43.4 | 8.8% below |
| 100 week MA | $36.8 | 7.7% above |
| 200 week MA | $28.9 | 37% above |
ISBA's trend is mixed: it's above four of its five weekly moving averages, and 37% above its 200-week average.
ISBA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $24.2 | $19.8 | -18% |
| 2021 | $19.8 | $26.3 | +33% |
| 2022 | $26.3 | $23.0 | -13% |
| 2023 | $23.0 | $21.5 | -6.5% |
| 2024 | $21.5 | $26.0 | +21% |
| 2025 | $26.0 | $51.6 | +99% |
| 2026 YTD | $51.6 | $39.6 | -23% |
ISBA has finished lower in three of the last six years. It's down 23% so far in 2026.