Isabella Bank Corporation(ISBA)Earnings, Financials & Key Ratios

ISBA•NASDAQ•Banking & Credit

$40.62

15.9× P/E·Price updated Jul 7, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommunity and retail regional banks

AboutIsabella 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.Show more

Net Interest Income$63M+12.0%
Total Revenue$112M+10.1%
Net Income$19M+36.2%
Return on Equity8.56%+27.2%
Net Interest Margin2.83%+5.8%
Efficiency Ratio50.84%+4.9%
ROA0.88%+31.4%
Equity / Assets10.47%+3.9%
Book Value per Share31.35+11.6%

ISBA Price & Volume

Isabella Bank Corporation (ISBA) stock price & volume — 10-year historical chart

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Regional Margin Stagnation Masks Liquidity Concentration Risks

Investment Thesis • Updated 2026Q1

VerdictNeutral

Growth:Accelerating

Profitability:Moderate

Financial:Vulnerable

Cash Flow:Stable

Primary Risk:Geographic and Liquidity Concentration

Key Thesis Takeaways

Isabella Bank Corporation demonstrates accelerating net interest income growth of 16.2% as of 2026Q1, yet this performance is tempered by persistent net interest margin stagnation between 0.6% and 0.8% over the last ten quarters.
While the bank maintains a stable equity-to-assets ratio of 0.10, its reliance on securities portfolio rotation to manage liquidity suggests a fragile operational foundation.
Investors should monitor the bank's sensitivity to localized economic shocks within its seven-county Michigan footprint, as current cash buffers remain thin relative to the $2.3B total asset base.

Verdict Logic

while the stock trades at a forward P/E of 11.31, the persistent net interest margin range of 0.6% to 0.8% and thin liquidity buffers suggest limited upside potential until the bank demonstrates more robust organic loan growth.

ISBA Growth Metrics

Isabella Bank Corporation (ISBA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years6.39%

5 Years8.13%

3 Years13.52%

TTM-

Profit CAGR

10 Years2.26%

5 Years11.68%

3 Years-5.26%

TTM35.67%

EPS CAGR

10 Years3.03%

5 Years13.82%

3 Years-4.18%

TTM37.56%

Return on Capital

10 Years5.78%

5 Years8.23%

3 Years7.22%

Last Year7.29%

ISBA Recent Earnings

Isabella Bank Corporation (ISBA) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 4/12 qtrs (36%)●Beat Revenue 2/12 qtrs (18%)

Q2 2026Latest

Apr 23, 2026

Metric

Actual

Est

EPS

$0.68-12.8%

$0.78

Rev

$21M-1.0%

$22M

Q2 2026

Mar 13, 2026

Metric

Actual

Est

EPS

$0.64

—

Rev

$31M

—

Q1 2026

Feb 5, 2026

Metric

Actual

Est

EPS

$0.64-13.5%

$0.74

Rev

$30M+41.5%

$21M

Q4 2025

Oct 27, 2025

Metric

Actual

Est

EPS

$0.71+18.3%

$0.60

Rev

$20M+0.4%

$20M

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 23, 2026	$0.68vs $0.78-12.8%	$21Mvs $22M-1.0%
Q2 2026	Mar 13, 2026	$0.64	$31M
Q1 2026	Feb 5, 2026	$0.64vs $0.74-13.5%	$30Mvs $21M+41.5%
Q4 2025	Oct 27, 2025	$0.71vs $0.60+18.3%	$20Mvs $20M+0.4%

Based on last 12 quarters of dataView full earnings history →

Latest ISBA News

Recent stock market news and headlines for Isabella Bank Corporation (ISBA)

Accesswire·5 days ago

Isabella Bank Corporation Added to Russell 2000 Index

MOUNT PLEASANT, MI / ACCESS Newswire / July 2, 2026 / Isabella Bank Corporation ("Isabella") (NASDAQ:ISBA) (the "Company"), the holding company for Isabella Bank, today announced it has been added to the Russell 2000® Index, effective after the U.S. market closed on June 26, 2026. The Russell 2000® Index measures the performance of approximately 2,000 small-cap U.S. companies and is widely regarded as a leading benchmark for the small-cap segment of the U.S. equity market.

Peers Comparison

Key metrics vs top competitors for Isabella Bank Corporation (ISBA)

Full Screener →

Company	Price	Market Cap	P/E Ratio	Rev Growth (1Y)	Net Margin	ROE	Div Yield
ISBAIsabella Bank CorporationCurrent	$40.62	$297.78M	15.87	10.11%	16.88%	8.56%	2.7%
MBWMMercantile Bank Corporation	$57.41	$991.72M	10.51	2.74%	24.23%	13.36%	—
CFFIC&F Financial Corporation	$80.00	$260.35M	9.65	11.78%	14.94%	11.03%	—
CZWICitizens Community Bancorp, Inc.	$23.29	$224.61M	15.95	-9.41%	16.49%	8%	—
BWFGBankwell Financial Group, Inc.	$57.40	$457.66M	12.90	6.13%	18.69%	13.31%	—
LKFNLakeland Financial Corporation	$61.57	$1.53B	15.35	-1.93%	25.81%	14.79%	—

Compare ISBA vs Peers

Isabella Bank Corporation (ISBA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs MBWM

Most directly comparable listed peer for ISBA.

Scale Benchmark

vs V

Larger-name benchmark to compare ISBA against a more recognizable public peer.

Peer Set

Compare Top 5

vs MBWM, CFFI, CZWI, BWFG

ISBA SEC Filings & Documents

Isabella Bank Corporation (ISBA) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Jun 16, 2026·SEC

Material company update

Jun 15, 2026·SEC

Material company update

Jun 12, 2026·SEC

10-K Annual Reports

FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 12, 2025·SEC

10-Q Quarterly Reports

FY 2026

May 6, 2026·SEC

FY 2025

Nov 10, 2025·SEC

FY 2025

Aug 11, 2025·SEC

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ISBA Frequently Asked Questions

Isabella Bank Corporation (ISBA) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

How fast is Isabella Bank Corporation growing?

Isabella Bank Corporation (ISBA) grew revenue by 10.1% over the past year. This is steady growth.

Is ISBA profitable?

Yes, Isabella Bank Corporation (ISBA) is profitable, generating $20.0M in net income for fiscal year 2025 (16.9% net margin).

Dividend & Returns

Does ISBA pay dividends?

Yes, Isabella Bank Corporation (ISBA) pays a dividend with a yield of 2.70%. This makes it attractive for income-focused investors.

What is ISBA's return on equity?

Isabella Bank Corporation (ISBA) has a return on equity (ROE) of 8.6%. This is below average, suggesting room for improvement.

Industry Metrics

What is Isabella Bank Corporation's net interest margin?

Isabella Bank Corporation (ISBA) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.

What is Isabella Bank Corporation's efficiency ratio?

Isabella Bank Corporation (ISBA) has an efficiency ratio of 50.8%. This is excellent, indicating strong cost control.

What if you invested $1,000 in ISBA back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →

Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 23, 2026

$0.68vs $0.78-12.8%

$21Mvs $22M-1.0%

Q2 2026

Mar 13, 2026

$0.64

$31M

Q1 2026

Feb 5, 2026

$0.64vs $0.74-13.5%

$30Mvs $21M+41.5%

Q4 2025

Oct 27, 2025

$0.71vs $0.60+18.3%

$20Mvs $20M+0.4%

Company

Price

Market Cap

P/E Ratio

Rev Growth (1Y)

Net Margin

ROE

Div Yield

ISBAIsabella Bank CorporationCurrent

$40.62

$297.78M

15.87

10.11%

16.88%

8.56%

2.7%

MBWMMercantile Bank Corporation

$57.41

$991.72M

10.51

2.74%

24.23%

13.36%

—

CFFIC&F Financial Corporation

$80.00

$260.35M

9.65

11.78%

14.94%

11.03%

—

CZWICitizens Community Bancorp, Inc.

$23.29

$224.61M

15.95

-9.41%

16.49%

—

BWFGBankwell Financial Group, Inc.

$57.40

$457.66M

12.90

6.13%

18.69%

13.31%

—

LKFNLakeland Financial Corporation

$61.57

$1.53B

15.35

-1.93%

25.81%

14.79%

—