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Isabella Bank Corporation - Common stock (ISBA)

NASDAQ Small Cap

Financial Services › State Commercial Banks

$45.70
Market Cap: $335M
Data as of Sep 30, 2025 (TTM)

Price History

Feb 9, 2026 — Mar 30, 2026

Investment Snapshot

  • Trading 11% above Graham Number — above intrinsic value estimate
  • Piotroski F-Score 5/9 — moderate financial health
  • ROE of 7.6% — below-average profitability
  • Dividend yield of 2.5%

Isabella Bank Corporation - Common stock (ISBA) is a Financial Services company operating in State Commercial Banks, listed on the NASDAQ , with a market capitalisation of $335 million . Key value metrics: P/E ratio 19.1, P/B ratio 1.45, Piotroski F-Score 5 out of 9 (moderate financial health) .

Value Score

Key Metrics

P/E Ratio
19.14
1.45
EPS
$2.39
Div. Yield
2.5%
PEG Ratio
P/S Ratio
EV/EBITDA
ROE
ROA
Gross Margin
Op. Margin
Net Margin
Debt/Equity
Current Ratio

Current vs 5-Year Average

Based on 5 years of SEC filings
Net Margin
↑ +2.1pp avg —
Gross Margin
↑ +2.1pp avg —
Operating Margin
↑ +2.1pp avg —
Return on Equity
↑ +2.1pp avg —
Debt / Equity
↑ +2.1pp avg —

Revenue & Net Income

EPS & Free Cash Flow Per Share

Financial Statements

Metric FY22 FY23 FY24
Revenue $X.XB $X.XB $X.XB
Gross Profit $X.XB $X.XB $X.XB
Operating Income $X.XB $X.XB $X.XB
Net Income $X.XB $X.XB $X.XB
EBITDA $X.XB $X.XB $X.XB
Total Assets $X.XB $X.XB $X.XB
Total Liabilities $X.XB $X.XB $X.XB
Data sourced from SEC EDGAR and Polygon.io. Methodology. View more Financial Services stocks →

Isabella Bank Corporation - Common stock — Fundamental Analysis Summary

Isabella Bank Corporation - Common stock (ISBA) is currently trading 11% above its Graham Number of $41.18, suggesting the market price exceeds Benjamin Graham's intrinsic value estimate. The stock carries a reasonable trailing P/E ratio of 19.1x.

On financial health, ISBA shows a moderate Piotroski F-Score of 5/9, and modest return on equity of 7.6% (sector average: 5.8%), and high leverage with a debt-to-equity ratio of 8.94.

StockPik's composite Value Score for ISBA is 77/100 — placing it in undervalued territory. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.

ISBA shows earnings growing at 36%.

ISBA pays a modest dividend yield of 2.5%.

Top Value Stocks in Financial Services

Symbol Price P/E Score
ACIC $11.36 5.1 100
ATLCP $22.87 2.9 100
ATLCL $24.97 3.2 100
ACGLN $16.52 1.4 100
ACGLO $19.79 1.7 100
How is the Value Score calculated?
Read our full methodology →
How is the Graham Number calculated?
Benjamin Graham's intrinsic value formula, worked examples, and how to use it →
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