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Home CompaniesIsabella Bank Corporation

Isabella Bank Corporation

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
40.64 USD 0.01 ( 0.02%)
Last update at 2026-11-06T21:00:00Z
VOLUME
13429
Market Cap
300.58M
P/E
14.54

Momentum Score

…

Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides banking and wealth management services to businesses, institutions, and individuals and their families in Michigan, the United States. The company offers deposit products, including checking and savings accounts; and certificates of deposit, direct deposits, and cash management services. Its loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans, including secured and unsecured personal loans. In addition, the company provides mobile and internet banking, investment management, trust and estate services, automated teller machines, and insurance products. Isabella Bank Corporation was founded in 1903 and is headquartered in Mount Pleasant, Michigan.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
40.19
Low
41.04
High
52 Week Price Range
31.37
Low
58.05
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Isabella Bank Corporation is the holding company for Isabella Bank, a community bank based in Mount Pleasant, Michigan that provides deposit, commercial and consumer lending, mortgage and treasury services to customers in its regional market. Long-term growth may be supported by loan and deposit expansion, higher fee income and net interest margin improvement, and investors may view the company as a locally focused franchise with conservative lending orientation.
Key risks include regional economic concentration, interest-rate and margin volatility, competition from larger banks and fintech, and regulatory or liquidity pressures.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
40.63
Dividend Yield
2.84%
Revenue TTM
83.20M
Revenue Per Share
11.34
Gross Profit TTM
83.20M
Debt / Equity
0.62
ROE
8.51%
Net Debt
116.47M
ROCE
6.88%
Diluted EPS TTM
2.71

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 24.12M 16.40M 21.83M 26.84M 23.35M
Net income 18.91M 13.89M 18.17M 22.24M 19.50M
Selling general administrative 40.58M 29.71M 26.83M 46.82M 43.69M
Selling and marketing expenses 1.99M 1.71M 2.07M - -
Gross profit 79.07M 65.69M 68.45M 73.66M 67.04M
Reconciled depreciation 2.14M 2.09M 1.98M 2.18M 2.94M
Ebit 22.13M 16.40M 21.83M 26.84M 23.35M
Ebitda 22.28M 18.48M 23.81M - -
Depreciation and amortization 0.15M 2.09M 1.98M - -
Operating income 22.13M 16.40M 21.83M 26.84M 23.35M
Other operating expenses 89.87M 85.31M 68.93M 11.18M 10.57M
Interest expense 33.49M 34.14M 21.69M 5.32M 7.41M
Tax provision 5.21M 2.51M 3.67M 4.61M 3.85M
Interest income 96.03M 89.98M 79.63M 65.80M 60.11M
Net interest income 62.54M 55.84M 57.94M 60.48M 52.70M
Income tax expense 5.21M 2.51M 3.67M 4.61M 3.85M
Total revenue 112.00M 101.71M 90.76M 73.66M 67.04M
Total operating expenses 56.94M 49.29M 46.62M 46.82M 43.69M
Cost of revenue 32.93M 36.03M 22.32M - -
Total other income expense net 1.99M - - - -
Net income from continuing ops 18.91M 13.89M 18.17M 26.84M 23.35M
Net income applicable to common shares - - - 22.24M 19.50M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 2209.45M 2086.24M 2058.97M 2030.27M 2032.16M
Intangible assets - 0.00M 0.00M 48.29M 48.30M
Other current assets - - - 7.85M 21.72M
Total liab 1978.05M 1875.96M 1856.57M 1844.06M 1821.11M
Total stockholder equity 231.40M 210.28M 202.40M 186.21M 211.05M
Other current liab 1819.65M 1747.06M 1723.69M 1744.28M 1710.34M
Common stock 123.20M 126.22M 127.32M 128.65M 129.05M
Capital stock 123.20M 126.22M 127.32M 128.65M 129.05M
Retained earnings 113.85M 103.02M 97.28M 89.75M 75.59M
Other liab - - - 12.51M 11.20M
Good will 48.28M 48.28M 48.28M 48.28M 48.28M
Other assets - - - 1371.12M 1324.41M
Cash 26.04M 24.54M 33.67M 38.92M 105.33M
Total current liabilities 1887.65M 1800.63M 1770.50M 1744.28M 1710.34M
Net debt 116.47M 88.45M 82.46M - -
Short term debt 68.00M 53.57M 46.80M - -
Short long term debt total 142.51M 112.99M 116.14M - -
Other stockholder equity 2.37M 2.38M 3.69M -32.19M 6.40M
Property plant equipment - - - 25.55M 24.42M
Total current assets 226.85M 253.03M 596.95M 72.51M 105.33M
Long term investments 497.79M 489.03M 544.00M 1835.18M 1784.27M
Net tangible assets - - - 137.92M 162.75M
Short term investments 200.81M 228.49M 528.15M 580.48M 490.60M
Net receivables - - 35.13M 33.59M 19.98M
Long term debt 74.51M 59.42M 69.33M 87.02M 99.32M
Inventory - - - 0.44M 0.21M
Accounts payable - - - 12.77M 1710.34M
Accumulated other comprehensive income -8.02M -21.36M -25.90M - -
Common stock total equity - - - 128.65M 129.05M
Retained earnings total equity - - - 89.75M 75.59M
Non currrent assets other 85.27M 85.81M 49.74M 48.73M 69.84M
Non current assets total 1982.59M 1833.21M 1462.02M 1957.76M 1926.83M
Long term debt total - - - 87.02M 99.32M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 3.01M 41.10M -25.78M -140.32M -162.39M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities -115.88M -37.87M -26.25M -106.25M -229.63M
Net borrowings 29.43M -3.23M 29.03M -12.39M -59.48M
Total cash from financing activities 90.56M 9.10M -3.19M 12.91M 62.82M
Change to operating activities - - - 2.18M 1.35M
Net income 18.91M 13.89M 18.17M 22.24M 19.50M
Change in cash 1.50M -9.13M -5.25M -66.41M -141.31M
Begin period cash flow 24.54M 33.67M 38.92M 105.33M 246.64M
End period cash flow 26.04M 24.54M 33.67M 38.92M 105.33M
Total cash from operating activities 26.82M 19.64M 24.18M 26.94M 25.50M
Issuance of capital stock 1.33M 1.52M 1.62M 1.76M 1.59M
Depreciation 0.15M 2.09M 1.98M 4.29M 5.22M
Other cashflows from investing activities -115.41M -76.86M -85.78M 37.27M -65.65M
Dividends paid 8.09M 8.15M 8.22M 8.08M 8.37M
Change to account receivables - - -0.81M -2.81M -
Sale purchase of stock -4.71M -4.41M -5.04M 1.76M 1.59M
Other cashflows from financing activities 72.59M 23.36M -20.58M 31.62M 129.08M
Change to netincome - - - 1.93M 0.48M
Capital expenditures 3.48M 2.11M 4.06M 3.21M 1.59M
Cash flows other operating - - - -1.52M 0.29M
Cash and cash equivalents changes - - - -66.41M -141.31M
Change in working capital 6.77M 1.51M 0.74M -0.63M 1.35M
Stock based compensation 0.34M 0.48M 0.78M 0.15M 0.52M
Other non cash items 0.71M 1.99M 2.52M 1.12M 1.69M
Free cash flow 23.34M 17.53M 20.12M 23.73M 23.91M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
ISBA
Isabella Bank Corporation		 0.01
0.02%		 40.64 14.54 11.22 3.61 1.21 3.98
DBSDY
DBS Group Holdings Ltd ADR		 -6.82
3.06%		 215.88 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.66 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.02
0.06%		 34.57 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.81
0.94%		 85.79 11.53 10.27 5.72 1.83 8.22

Profile*

Isabella Bank Corporation

Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides banking and wealth management services to businesses, institutions, and individuals and their families in Michigan, the United States. The company offers deposit products, including checking and savings accounts; and certificates of deposit, direct deposits, and cash management services. Its loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans, including secured and unsecured personal loans. In addition, the company provides mobile and internet banking, investment management, trust and estate services, automated teller machines, and insurance products. Isabella Bank Corporation was founded in 1903 and is headquartered in Mount Pleasant, Michigan.

401 North Main Street, Mount Pleasant, MI, United States, 48858

989 772 9471

https://www.isabellabank.com

341

Name Title Year Born
Mr. Jae A. Evans Pres, CEO & Director 1957
Mr. Neil Michael McDonnell Chief Financial Officer 1964
Mr. Jerome E. Schwind VP & Director 1967
Ms. Debra A. Campbell VP & Corp. Sec. NA
Mr. Douglas D. McFarlane Pres of IBT Title and Insurance Agency Inc NA
Ms. Jennifer L. Gill VP & Controller 1983
Mr. Michael P. Prisby VP & Treasurer NA
Ms. Patricia A. Plaxton VP NA
Ms. Mary Olivieri Community Relations Officer NA
Miles Coffland Assistant VP of Auditing NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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