# Isabella Bank Corporation (ISBA) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks - Regional. Price $40.04, market value $305 million.

## Valuation
- **P/E (trailing): 14.8×** (5-yr avg 11.2×, 3-yr avg 13.6×). Isabella Bank Corporation trades at 14.8× trailing earnings, well above its own five-year average of 11.2×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.1×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.27**. A PEG of 0.27 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 54.0×**. Each dollar of revenue is priced at 54.0×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 7.5%** (5-yr avg 11.9%). Free cash flow equals 7.5% of the market value, below its five-year average of 11.9%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 6.8%**. The inverse of the P/E: 6.8% of the price is earned each year.

## Profitability
- **Return on equity: 8.2%**. 8.2% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.6%**. Each dollar of assets produces 0.6% of profit; low single digits are normal for banks and insurers.

## Growth
- **EPS growth (1 yr): 37.6%** (3-yr -4.2%/yr, 5-yr 13.8%/yr). Earnings per share rose 37.6%.
- **Free-cash-flow growth (3 yr): -0.5%/yr**. Free cash flow has compounded at -0.5% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Cash and short-term investments: $26 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.80%** ($1.12 per share, trailing). Isabella Bank Corporation yields 2.80%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 43%** (35% of free cash flow). 43% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 8**. 8 straight years of increases.
- **Dividend growth (5 yr): 0.7%/yr** (1-yr 0.0%). The dividend has grown 0.7% a year over five years.

## Price and momentum
- **Total return (1 yr): 28.7%** (YTD -18.8%, 3-mo -4.4%). The shares are up 28.7% over twelve months including dividends.
- **From 52-week high: -31.9%** (28.3% above the low). Trading 32% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 52**. An RSI of 52 is neutral.
- **Beta (1 yr): 0.35** (volatility 44%). Beta of 0.35 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=ISBA · Page: https://foliofundamentals.com/stocks/isba

Not investment advice.