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Isabella Bank(NASDAQ) ISBA

Market Cap$269.91MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2003)+185%
5 Year+100%
1 Year+16%
1 Month-7%
$39.42
+7.09%
+2.61Today
Isabella Bank last closing stock price
MetricPriceDate
Last closeUSD 36.812026-07-24
Isabella Bank stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-6.17%USD 39.232026-07-17
1 month-7.14%USD 39.642026-06-24
3 month-10.95%USD 41.342026-04-24
Year to date-25.39%USD 49.342025-12-31
1 year+16.31%USD 31.652025-07-24
3 year+100.41%USD 18.372023-07-24
5 year+100.39%USD 18.372021-07-23
Since inception+184.73%USD 12.932003-10-03

Isabella Bank Financials at a Glance

Market Cap

$269.91MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$106.38M

Net Income (TTM)

$19.96M

EPS (TTM)

$2.72

P/E Ratio

13.53

Dividend

$1.12

Beta (Volatility)

0.22 (Low)

Price

$39.42

Volume

2,439

Open

$37.60

Previous Close

$39.42

Daily Range

$37.60 - $40.41

52-Week Range

$29.00 - $58.83

Estimated Earnings Date

Oct 26, 2026

ISBA News

No articles available.

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About Isabella Bank

Isabella Bank helps people in Michigan manage their money. It lends cash to families for homes and to farmers for crops. The bank also helps local businesses grow and pay their bills.

A Menu of Money Tools

  • Deposit Accounts: Checking, savings, and certificates of deposit—savings accounts that hold money for a fixed time—for people and businesses.
  • Business Loans: Real estate and operating loans for companies; commercial real estate is 42.38% of the loan portfolio.
  • Farming Credit: Mortgages and production loans specifically for farmers and agricultural businesses in the region.
  • Home Mortgages: Residential loans and equity lines that help families buy or improve their properties.
  • Wealth Management: Investment management, trust services, and estate planning for long-term financial goals.

Building the Local Network

  • Operates 30 banking offices across seven Michigan counties, including Clare, Gratiot, and Isabella.
  • Established the Isabella Bank Corporation 2025 Employee Stock Purchase Plan to offer shares to its employees.
  • Repurchased 8,062 shares of its own common stock during the three-month period ended March 31, 2026.

Regional Focus and Safety

Isabella Bank focuses on serving communities across mid-Michigan through a regional branch network. The company meets federal well capitalized rules, which means it holds enough cash to meet strict regulatory safety standards.

The Recent Performance

  • Revenue reached $29.5 million in Q1 2026, up 14.9% from $25.7 million in Q1 2025.
  • Net income rose to $5 million in the quarter ended March 31, 2026, up 26.4% year-over-year.
  • Operating income hit $6 million in Q1 2026, up 23% from the $4.9 million reported in Q1 2025.
  • Gross profit reached $21.2 million in Q1 2026, up 20.2% from the same period the previous year.

Bottom Line

Isabella Bank has evolved from a local lender into a regional financial institution with a strong mid-Michigan presence. Its consistent profit growth and high capital reserves support its role as a stable partner for the community.

AI Generated • May 12, 2026

Industry

Banks

Sector

Financials

Employees

362

CEO

Jerome E. Schwind, MBA

Website

www.isabellabank.com

Headquarters

Mount Pleasant, MI 48858, US

ISBA Financials

Key Financial Metrics (TTM)

Gross Margin

67.66%

Operating Margin

10.44%

Net Income Margin

18.77%

Return on Equity

8.48%

Return on Capital

5.92%

Return on Assets

0.90%

Earnings Yield

7.39%

Dividend Yield

3.04%

Payout Ratio

40.59%

Stock Overview

Market Cap

$269.91MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

7.33M

Volume

2.44K

Avg. Volume

55.68K

Financials (TTM)

Gross Profit

$71.98M

Operating Income

$11.10M

EBITDA

$12.17M

Operating Cash Flow

$25.89M

Capital Expenditure

-$3.03M

Free Cash Flow

$22.86M

Cash & ST Invst.

$481.06M

Total Debt

$116.01M

Isabella Bank Performance Analysis

Isabella Bank annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 79,464,0007.5%
20232023-12-31USD 93,458,00017.6%
20242024-12-31USD 104,554,00011.9%
20252025-12-31USD 112,001,0007.1%
Isabella Bank sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-308.4%
Q42025-12-319.7%
Q12026-03-31-6.0%
Q22026-06-30-42.6%
Isabella Bank annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.9118.8%
20232023-12-31USD 2.40-17.5%
20242024-12-31USD 1.86-22.6%
20252025-12-31USD 2.5637.9%
Isabella Bank sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-304.4%
Q42025-12-31-9.9%
Q12026-03-316.3%
Q22026-06-30-200.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$16.94M

-35.8%

Gross Profit

$8.69M

-55.1%

Gross Margin

51.32%

N/A

Market Cap

$269.91MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$733.46K

N/A

Employees

368

N/A

Net Income

$5.04M

+0.2%

EBITDA

-$6.54M

-197.5%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$481.06M

+111.4%

Total Debt

$116.01M

+59.6%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$29.56M

+0.3%

Short Term Debt

$116.01M

+168.5%

Return on Assets

0.90%

N/A

Return on Invested Capital

0.53%

N/A

Free Cash Flow

$3.24M

-12.8%

Operating Cash Flow

$3.78M

-19.7%

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Questions About ISBA

What is the current price of Isabella Bank?

Isabella Bank is trading at $39.42 per share.

What is the 52-week range for Isabella Bank?

Over the past 52 weeks, Isabella Bank has traded between $29.00 and $58.83.

How much debt does Isabella Bank have?

As of the most recent reporting period, Isabella Bank reported total debt of $145.57M.

How much cash does Isabella Bank have on hand?

Isabella Bank does not have cash on hand data available.

What is Isabella Bank’s dividend yield?

Isabella Bank currently has a dividend yield of 3.04%.

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