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OTCM
ISBA
Market cap226mUSD
Jul 11, Last price  
30.68USD
1D
-0.65%
1Q
29.45%
Jan 2017
10.16%
IPO
-7.03%
Name

Isabella Bank Corp

Chart & Performance

D1W1MN
P/E
16.31
P/S
2.52
EPS
1.88
Div Yield, %
2.74%
Shrs. gr., 5y
-1.59%
Rev. gr., 5y
9.37%
Revenues
90m
+26.48%
9,253,0009,780,00011,173,00043,581,00048,422,00049,313,00049,920,00053,722,00052,664,00052,945,00050,888,00052,189,00056,731,00059,179,00057,484,00064,770,00063,864,00071,234,00071,142,00089,978,000
Net income
14m
-23.55%
6,776,0007,001,0007,930,0004,101,0007,800,0009,045,00010,210,00012,206,00012,510,00013,724,00015,130,00013,799,00013,237,00014,021,00013,024,00010,885,00019,499,00022,238,00018,167,00013,889,000
CFO
21m
-13.47%
18,452,000-1,698,00060,387,00020,661,00018,225,00026,521,00018,860,00019,464,00022,741,00017,334,00012,090,00019,162,00016,989,00022,010,00023,303,00021,997,00025,501,00026,937,00023,715,00020,520,000
Dividend
Sep 26, 20240.28 USD/sh
Earnings
Jul 23, 2025

Profile

Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides various banking products and services to businesses, institutions, and individuals and their families. Its deposit products include checking accounts, savings accounts, certificates of deposit, direct deposits, and money market accounts. The company's loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans, including secured and unsecured personal loans. It also offers cash management, mobile and internet banking, electronic bill pay, automated teller machines, trust and investment, estate planning, and safe deposit box rental services; and group life, health, accident, disability, and other insurance products, as well as other employee benefit programs. As of December 31, 2021, the company operated 30 banking offices in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. Isabella Bank Corporation was founded in 1903 and is headquartered in Mount Pleasant, Michigan.
IPO date
Nov 08, 2001
Employees
347
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
89,978
26.48%
71,142
-0.13%
71,234
11.54%
Cost of revenue
31,420
37,361
27,270
Unusual Expense (Income)
NOPBT
58,558
33,781
43,964
NOPBT Margin
65.08%
47.48%
61.72%
Operating Taxes
2,509
3,665
4,606
Tax Rate
4.28%
10.85%
10.48%
NOPAT
56,049
30,116
39,358
Net income
13,889
-23.55%
18,167
-18.31%
22,238
14.05%
Dividends
(8,147)
(8,216)
(8,082)
Dividend yield
Proceeds from repurchase of equity
(2,885)
(3,422)
(551)
BB yield
Debt
Debt current
53,567
57,771
Long-term debt
69,335
29,245
Deferred revenue
(4,112)
Other long-term liabilities
1,822,398
1,787,231
(16,479)
Net debt
(458,292)
11,771
(1,128,616)
Cash flow
Cash from operating activities
20,520
23,715
26,937
CAPEX
(4,064)
(3,205)
Cash from investing activities
(37,866)
(25,779)
(106,255)
Cash from financing activities
9,099
(3,188)
12,912
FCF
2,462
106,621
38,326
Balance
Cash
22,830
33,672
619,405
Long term investments
489,029
23,892
596,227
Excess cash
507,360
54,007
1,212,070
Stockholders' equity
207,893
202,402
181,205
Invested Capital
1,931,915
2,004,961
1,889,955
ROIC
2.85%
1.55%
2.09%
ROCE
2.74%
1.64%
2.12%
EV
Common stock shares outstanding
7,473
7,575
7,648
Price
Market cap
EV
EBITDA
58,703
35,762
46,147
EV/EBITDA
Interest
34,143
21,687
5,317
Interest/NOPBT
58.31%
64.20%
12.09%