Isabella Bank Corporation (ISBA)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 62 | 64 | 71 | 69 | 68 | 79 | 73 | - |
| Operating profit | $m | 22 | 11 | ||||||
| Net profit | $m | 11 | 19 | 22 | 18 | 14 | 19 | 20 | 24 |
| EPS reported | $ | 2.56 | 2.72 | ||||||
| Operating cashflow per share | $ | 3.63 | 3.51 | ||||||
| Capex per share | $ | 0.47 | 0.26 | ||||||
| FCF per share | $ | 3.16 | 3.25 | ||||||
| Free cash flow | $m | 23 | 24 | ||||||
| Net debt | $m | -84 | -335 | ||||||
| Book value equity | $m | 231 | 249 | ||||||
| Book value per share | $ | 31.35 | 33.88 | ||||||
| Number of shares | m | 7.38 | 7.34 | ||||||
| DPS (TTM paid) | $ | 1.12 | 1.12 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 19.53 | 13.93 | ||||||
| P/B LTM | x | 1.59 | 1.48 | ||||||
| P/S LTM | x | 4.70 | 5.07 | ||||||
| P/FCF LTM | x | 15.81 | 15.46 | ||||||
| EV/EBITDA LTM | x | 21.79 | 39.89 | ||||||
| EV/Sales LTM | x | 4.33 | -0.29 | ||||||
| Earnings Yield LTM | % | +5.12% | +7.18% | ||||||
| FCF Yield | % | +6.32% | +6.47% | ||||||
| Quality | |||||||||
| ROE | % | +8.17% | +8.48% | ||||||
| ROIC | % | +4.45% | +1.57% | ||||||
| Operating margin | % | +19.76% | +10.44% | ||||||
| Gross margin | % | +70.60% | +67.66% | ||||||
| FCF/Sales | % | +20.84% | +22.43% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +37.63% | +46.24% | ||||||
| Sales Growth YoY | % | +16.19% | +7.64% | ||||||
| Net Income Growth YoY | % | +36.15% | +43.73% | ||||||
| FCF Growth | % | +33.12% | +36.11% | ||||||
| Operating Profit Growth | % | +34.98% | -32.28% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.19% | +2.69% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | +42.79% | +40.30% | ||||||
| FCF/Debt | x | 0.16 | 0.16 | ||||||
| Net Debt/EBITDA | x | 5.23 | -27.57 | ||||||
| EBIT/Net interest | x | 0.66 | 0.33 | ||||||
| Net debt/market cap | % | +38.62% | +47.72% | ||||||
| Net debt/Equity | x | -0.36 | -1.35 | ||||||
| Gross debt/equity | x | 0.62 | 0.59 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Isabella Bank Corporation serves as the parent company for Isabella Bank, providing a comprehensive suite of banking products and financial services. Its diverse clientele includes businesses, institutions, private individuals, and families. The bank facilitates savings through various deposit options, such as checking and savings accounts, certificates of deposit (CDs), direct deposit services, and money market accounts. Its lending solutions are extensive, comprising commercial, agricultural, and residential real estate loans, alongside consumer credit offerings, including both secured and unsecured personal loans. Beyond core banking, Isabella Bank Corporation offers a range of additional amenities. These include cash management tools, mobile and internet banking platforms, electronic bill payment, automated teller machines (ATMs), specialized trust and investment advisory, estate planning assistance, and safe deposit box rentals. The corporation also extends its services to include group life, health, accident, and disability insurance products, as well as various other employee benefit programs. As of December 31, 2021, the company maintained 30 branch locations situated in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. With a heritage dating back to its founding in 1903, Isabella Bank Corporation is headquartered in Mount Pleasant, Michigan.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Isabella Bank Corporation (ISBA)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Isabella Bank Corporation serves as the parent company for Isabella Bank, providing a comprehensive suite of banking products and financial services. Its diverse clientele includes businesses, institutions, private individuals, and families. The bank facilitates savings through various deposit options, such as checking and savings accounts, certificates of deposit (CDs), direct deposit services, and money market accounts. Its lending solutions are extensive, comprising commercial, agricultural, and residential real estate loans, alongside consumer credit offerings, including both secured and unsecured personal loans. Beyond core banking, Isabella Bank Corporation offers a range of additional amenities. These include cash management tools, mobile and internet banking platforms, electronic bill payment, automated teller machines (ATMs), specialized trust and investment advisory, estate planning assistance, and safe deposit box rentals. The corporation also extends its services to include group life, health, accident, and disability insurance products, as well as various other employee benefit programs. As of December 31, 2021, the company maintained 30 branch locations situated in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. With a heritage dating back to its founding in 1903, Isabella Bank Corporation is headquartered in Mount Pleasant, Michigan.
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