Stocks · Financial Services · Banks - Regional
Isabella Bank Corporation ISBA
$38.12 +1.17% Close, Oct 2, 2026 · NASDAQ · Market cap $279.5M
Next earnings report: Oct 15, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin narrowed to 10.4% from 18.9% a year earlier.
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
- Diluted EPS over the last four quarters was $2.72, up 24.2% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 33%
- EPS growth (TTM, YoY)Top 45%
- FCF growth (TTM, YoY)Bottom 46%
- Revenue growth, 3-year CAGRBottom 45%
- Revenue growth accelerationBottom 16%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 47%
- Gross marginTop 43%
- Operating marginBottom 23%
- Cash conversion (OCF / net income)Top 40%
- Accruals (lower is better)Bottom 48%
- Net debt / EBITDA (lower is better)Top 2%
- Interest coverBottom 19%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 46%
- Free-cash-flow yieldTop 45%
- P/E vs own 5-year history (lower is better)Bottom 36%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 46%
- 6-month returnBottom 6%
- 1-year return vs S&P 500Top 46%
- Distance from 52-week highBottom 12%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 17%
- Consecutive EPS beatsBottom 17%
- Upside to consensus price targetBottom 41%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 27%
- Maximum drawdown, 3 yearsBottom 34%
- Beta vs S&P 500 (lower is better)Top 18%
- Net debt / EBITDA (lower is better)Top 2%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 12.4% | 2.1% | ↓ |
| EPS growth (YoY) | 37.6% | 24.2% | ↓ |
| Gross margin | 67.6% | 67.7% | ↑ |
| Operating margin | 18.9% | 10.4% | ↓ |
| FCF margin | 20.1% | 22.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 2.1% | 12.4% | ↓ | Bottom 33% |
| EPS growth (TTM, YoY) | 24.2% | 37.6% | ↓ | Top 45% |
| Gross margin | 67.7% | 67.6% | ↑ | Top 43% |
| Operating margin | 10.4% | 18.9% | ↓ | Bottom 23% |
| Net margin | 18.8% | 15.6% | ↑ | — |
| Free-cash-flow margin | 22.4% | 20.1% | ↑ | — |
| Return on invested capital | 1.6% | — | Top 47% | |
| Revenue growth, 3-year CAGR | 13.5% | — | Bottom 45% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.29×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.3%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -27.57×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.89%
- Net buyback yield (TTM)
- -3.70%
- Shareholder yield
- -0.81%
- Share count change, 1 year
- -0.8%
- Share count change, 3-year CAGR
- -1.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- -8.3%
- Average 2-day reaction, last 8
- -0.9%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $43.00
- Target vs current price
- +12.8%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | -25.0% | -0.9% | +4.5% | +3.8% | — |
| Apr 23, 2026 | -12.8% | -4.3% | -10.1% | -8.6% | -14.2% |
| Feb 5, 2026 | -13.5% | +0.2% | +5.7% | -6.1% | -18.1% |
| Oct 27, 2025 | +18.3% | -0.3% | -0.4% | +23.7% | +43.8% |
| Jul 24, 2025 | +0.0% | -1.5% | -9.1% | -1.5% | +6.4% |
| Apr 17, 2025 | +9.6% | +0.0% | +5.4% | +13.4% | +30.7% |
| Jan 30, 2025 | +6.1% | +0.0% | -1.6% | -3.3% | +0.8% |
| Oct 24, 2024 | -2.2% | +0.0% | +1.9% | +17.1% | +21.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.69 | $0.92 | -25.0% | $22.7M |
| Apr 23, 2026 | $0.68 | $0.78 | -12.8% | $21.5M |
| Feb 5, 2026 | $0.64 | $0.74 | -13.5% | $29.7M |
| Oct 27, 2025 | $0.71 | $0.60 | +18.3% | $19.9M |
| Jul 24, 2025 | $0.55 | $0.55 | +0.0% | $18.3M |
| Apr 17, 2025 | $0.57 | $0.52 | +9.6% | $17.6M |
| Jan 30, 2025 | $0.52 | $0.49 | +6.1% | $17.1M |
| Oct 24, 2024 | $0.44 | $0.45 | -2.2% | $17.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.0× | 10.3× | 71th | Top 46% |
| P/E (forward) | 11.6× | — | — | — |
| Free-cash-flow yield | 8.54% | — | — | Top 45% |
| Earnings yield | 7.14% | — | — | Top 46% |
P/E over the past five years
Range 7.1× – 17.2× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +7.9%
- Earnings per share growth (TTM)
- +24.2%
- Change in P/E multiple
- +0.5%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -1.3%
- 200-day average slope (20 days)
- -1.4%
- Distance from 50-day average
- -3.0%
- Distance from 200-day average
- -13.3%
- RSI (14)
- 46.3
- Relative volume
- 0.58×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 30.3%
- Volatility vs own 5-year history
- 58th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.15
- Correlation with S&P 500
- 0.06
- Current drawdown from 1-year high
- -32.6%
- Maximum drawdown, 3 years
- -34.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 10, 2021 | May 23, 2024 | -37.6% | 636 days | 260 days (Jun 9, 2025) |
| Dec 19, 2025 | Jul 24, 2026 | -34.9% | 147 days | Not yet recovered |
| Jun 18, 2025 | Jul 3, 2025 | -26.7% | 10 days | 86 days (Nov 4, 2025) |
| Nov 4, 2025 | Nov 7, 2025 | -11.4% | 3 days | 10 days (Nov 21, 2025) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $279.5M
- P/E (TTM)
- 14.0
- EPS, diluted (TTM)
- $2.72
- Revenue (TTM)
- $106.4M
- Dividend yield
- 2.94%
- 52-week range
- $33.24 – $58.83
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $71.3M | $76.6M | $90.8M | $101.7M | $112.0M |
| Gross profit | $64.4M | $70.8M | $68.4M | $65.7M | $79.1M |
| Operating income | $23.3M | $26.8M | $21.8M | $16.4M | $22.1M |
| Net income | $19.5M | $22.2M | $18.2M | $13.9M | $18.9M |
| EPS (diluted) | $2.45 | $2.91 | $2.40 | $1.86 | $2.56 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $26.4M | $25.8M | $25.7M | $26.4M | $28.6M | $31.4M | $29.5M | $16.9M |
| Net income | $3.3M | $4.0M | $3.9M | $5.0M | $5.2M | $4.7M | $5.0M | $5.0M |
| EPS (diluted) | $0.44 | $0.54 | $0.53 | $0.68 | $0.71 | $0.64 | $0.68 | $0.69 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $25.5M | $26.9M | $24.2M | $19.6M | $26.8M |
| Capital expenditure | -$1.6M | -$3.2M | -$4.1M | -$2.1M | -$3.5M |
| Free cash flow | $23.9M | $23.7M | $20.1M | $17.5M | $23.3M |
| Dividends paid | -$8.4M | -$8.1M | -$8.2M | -$8.1M | -$8.1M |
| Net share buybacks | -$13.4M | -$551,000 | -$3.4M | -$2.9M | -$3.4M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $481.1M
- Total assets
- $2.22B
- Total liabilities
- $1.97B
- Total debt
- $145.6M
- Net debt
- -$335.5M
- Shareholders’ equity
- $248.7M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 28, 2026 | $0.28 | Sep 30, 2026 |
| Jun 26, 2026 | $0.28 | Jun 30, 2026 |
| Mar 27, 2026 | $0.28 | Mar 31, 2026 |
| Dec 17, 2025 | $0.28 | Dec 19, 2025 |
| Sep 26, 2025 | $0.28 | Sep 30, 2025 |
| Jun 26, 2025 | $0.28 | Jun 30, 2025 |
| Mar 27, 2025 | $0.28 | Mar 31, 2025 |
| Dec 16, 2024 | $0.28 | Dec 18, 2024 |
Short interest
- Shares sold short
- 316,784
- Days to cover
- 4.80
- Change vs previous report
- -0.7%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Mar 11, 2008
- 11-for-10
- Mar 2, 2006
- 11-for-10