Isabella Bank (ISBA) Stock Price

Isabella Bank Price

OTC·CLOSED
39.62USD-0.31 (-0.79 %)
Market closed

Revenue has compounded at 4.1% per year over the past 18 years to 70.41 M USD. Earnings per share have grown at 2.3% per year over the last 13 years. Isabella Bank's net margin stands at -806.3%, down from -8.5% several years earlier. Isabella Bank currently offers a dividend yield of about 2.83%. The dividend has grown at 6.5% per year over the past 16 years. Analysts set a median price target of 27.54 USD, implying 30.5% below the current price. Of 6 analysts, 0 rate the stock a buy — an overall Sell consensus. The stock trades about 24% above its 52-week low.

Isabella Bank stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of Isabella Bank over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Isabella Bank stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Isabella Bank's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Isabella Bank Stock Price History
DateIsabella Bank Price
8/24/202639.62 USD
8/21/202639.93 USD
8/20/202639.31 USD
8/19/202640.04 USD
8/18/202641.16 USD
8/14/202641.60 USD
8/13/202641.77 USD
8/12/202640.52 USD
8/11/202640.89 USD
8/10/202640.29 USD
8/7/202639.77 USD
8/6/202640.81 USD
8/5/202640.72 USD
8/4/202640.05 USD
8/3/202640.24 USD
7/31/202639.71 USD
7/30/202639.80 USD
7/29/202640.96 USD
7/27/202640.16 USD
7/23/202638.13 USD
7/22/202638.49 USD
7/21/202639.98 USD
7/20/202639.85 USD
7/17/202639.23 USD
7/16/202640.72 USD
7/15/202639.07 USD
7/14/202639.27 USD
7/13/202639.30 USD
7/10/202639.12 USD
7/9/202639.05 USD
7/8/202639.35 USD
7/7/202640.62 USD
7/6/202640.79 USD
7/2/202640.99 USD
7/1/202640.74 USD
6/30/202639.50 USD
6/29/202640.77 USD
6/26/202640.15 USD
6/25/202639.85 USD
6/24/202639.92 USD
6/23/202639.99 USD
6/22/202639.74 USD
6/18/202640.16 USD
6/17/202640.30 USD
6/16/202639.57 USD
6/15/202641.56 USD
6/12/202642.41 USD
6/11/202642.51 USD
6/10/202642.13 USD
6/9/202641.85 USD
6/8/202641.92 USD
6/5/202642.18 USD
6/4/202641.63 USD
6/3/202640.10 USD
6/2/202641.63 USD
6/1/202641.49 USD
5/29/202640.78 USD
5/28/202641.14 USD
5/27/202641.95 USD
5/26/202641.59 USD
5/22/202643.04 USD
5/21/202643.25 USD
5/20/202642.46 USD
5/19/202641.71 USD
5/18/202641.82 USD
5/15/202641.05 USD
5/14/202641.71 USD
5/13/202640.65 USD
5/12/202642.60 USD
5/11/202640.77 USD
5/8/202642.77 USD
5/7/202641.54 USD
5/6/202640.83 USD
5/5/202641.79 USD
5/4/202640.43 USD
5/1/202640.99 USD
4/30/202639.81 USD
4/29/202641.75 USD
4/28/202641.89 USD
4/27/202642.62 USD
4/24/202641.63 USD
4/23/202645.51 USD
4/22/202646.45 USD
4/21/202644.44 USD
4/20/202643.34 USD
4/17/202645.75 USD
4/16/202649.37 USD
4/15/202648.90 USD
4/14/202649.23 USD
4/13/202649.91 USD
4/10/202648.70 USD
4/9/202649.69 USD
4/8/202647.89 USD
4/7/202645.72 USD
4/6/202646.13 USD
4/2/202645.91 USD
4/1/202646.81 USD
3/31/202645.67 USD
3/30/202644.11 USD
3/27/202645.70 USD
3/26/202644.56 USD
3/25/202645.21 USD
3/24/202646.80 USD
3/23/202645.75 USD
3/20/202644.45 USD
3/19/202645.50 USD
3/18/202645.00 USD
3/17/202644.78 USD
3/16/202644.33 USD
3/13/202644.03 USD
3/12/202644.31 USD
3/11/202644.40 USD
3/10/202645.89 USD
3/9/202645.29 USD
3/6/202645.86 USD
3/5/202647.00 USD
3/4/202647.80 USD
3/3/202646.48 USD
3/2/202648.54 USD
2/27/202647.56 USD
2/26/202649.41 USD
2/25/202649.92 USD
2/24/202650.47 USD
2/23/202649.52 USD
2/20/202652.45 USD
2/19/202652.30 USD
2/18/202651.86 USD
2/17/202651.72 USD
2/13/202651.30 USD
2/12/202651.80 USD
2/11/202652.90 USD
2/10/202653.73 USD
2/9/202652.95 USD
2/6/202648.54 USD
2/5/202650.17 USD
2/4/202650.05 USD
2/3/202650.28 USD
2/2/202649.73 USD
1/30/202648.18 USD
1/29/202648.62 USD
1/28/202649.89 USD
1/27/202649.84 USD
1/26/202650.75 USD
1/23/202650.70 USD
1/22/202651.58 USD
1/21/202650.58 USD
1/20/202650.01 USD
1/16/202650.84 USD
1/15/202650.00 USD
1/14/202648.71 USD
1/13/202649.00 USD
1/12/202648.54 USD
1/9/202648.60 USD
1/8/202649.25 USD
1/7/202647.75 USD
1/6/202649.18 USD
1/5/202650.64 USD
1/2/202650.30 USD
12/31/202550.00 USD
12/30/202550.28 USD
12/29/202551.00 USD
12/26/202551.63 USD
12/24/202552.34 USD
12/23/202552.61 USD
12/22/202554.21 USD
12/19/202556.58 USD
12/18/202555.25 USD
12/17/202552.27 USD
12/16/202552.90 USD
12/15/202551.07 USD
12/12/202549.06 USD
12/11/202549.56 USD
12/10/202550.32 USD
12/9/202548.99 USD
12/8/202546.50 USD
12/5/202546.20 USD
12/4/202546.74 USD
12/3/202542.40 USD
12/2/202545.21 USD
12/1/202543.50 USD
11/28/202542.00 USD
11/26/202541.72 USD
11/25/202544.23 USD
11/24/202543.24 USD
11/21/202544.40 USD
11/20/202541.37 USD
11/19/202540.50 USD
11/18/202540.39 USD
11/17/202539.72 USD
11/14/202540.99 USD
11/13/202541.80 USD
11/12/202541.12 USD
11/11/202541.80 USD
11/10/202540.20 USD
11/7/202538.60 USD
11/6/202539.81 USD
11/5/202541.80 USD
11/4/202543.57 USD
11/3/202538.28 USD
10/31/202535.74 USD
10/30/202535.59 USD
10/29/202535.12 USD
10/28/202535.39 USD
10/27/202535.76 USD
10/24/202535.88 USD
10/23/202535.35 USD
10/22/202535.31 USD
10/21/202534.95 USD
10/20/202535.51 USD
10/17/202535.80 USD
10/16/202535.10 USD
10/15/202537.23 USD
10/14/202537.23 USD
10/13/202536.46 USD
10/10/202536.09 USD
10/9/202536.94 USD
10/8/202535.99 USD
10/7/202535.95 USD
10/6/202535.74 USD
10/3/202535.19 USD
10/2/202535.00 USD
10/1/202535.34 USD
9/30/202535.25 USD
9/29/202535.20 USD
9/26/202535.15 USD
9/25/202535.48 USD
9/24/202535.40 USD
9/23/202534.96 USD
9/22/202534.52 USD
9/19/202535.04 USD
9/18/202534.30 USD
9/17/202532.73 USD
9/16/202532.74 USD
9/15/202533.25 USD
9/12/202532.46 USD
9/11/202532.20 USD
9/10/202532.01 USD
9/9/202532.50 USD
9/8/202532.12 USD
9/5/202532.10 USD
9/4/202531.95 USD
9/3/202532.90 USD
9/2/202533.13 USD
8/29/202533.71 USD
8/28/202533.65 USD
8/27/202534.00 USD
8/26/202532.49 USD
Access this data via the Eulerpool API

Isabella Bank Revenue, Pre-Provision Profit, Net Income

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  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2020
64.77 M USD
13.54 M USD
-5.50 M USD
Jan 1, 2021
66.52 M USD
22.83 M USD
-114.70 M USD
Jan 1, 2022
74.15 M USD
27.33 M USD
-425.50 M USD
Jan 1, 2023
71.77 M USD
22.46 M USD
-187.50 M USD
Jan 1, 2024
70.41 M USD
18.28 M USD
-567.75 M USD
Jan 1, 2025 (e)
2.61 B USD
0.00 USD
-312.56 M USD
Jan 1, 2026 (e)
2.78 B USD
0.00 USD
-120.51 M USD
Jan 1, 2027 (e)
3.02 B USD
0.00 USD
-94.19 M USD

Isabella Bank Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 26, 2026, 6:18 AM
 
REVENUEB USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEB USD
Net Interest IncomeM USD
Non-Interest IncomeM USD
Loan Loss ProvisionsM USD
Pre-Provision Profit (PPOP)M USD
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
20122013201420152016201720182019202020212022202320242025e2026e2027e
0.070.060.060.060.410.420.440.520.371.322.262.452.452.612.783.02
1.52-10.451.67578.691.693.8019.68-28.87255.3870.578.600.046.496.448.82
1,980.602,211.672,211.672,175.4170.2971.5070.4864.6362.9059.5355.2554.8454.1654.1654.1654.16
1.331.331.331.330.290.300.310.340.230.791.251.341.331.411.501.64
42.9839.4041.1841.3442.8045.9248.2349.4550.3552.7060.4857.9455.84
11.5310.189.3310.3611.1110.8110.988.0414.4213.8213.6713.8314.58
2.301.11-0.67-2.77-0.140.250.980.031.67-0.520.480.631.88
16.8715.8215.4115.6516.0116.5016.3614.4413.5422.8327.3322.4618.28
12.0012.0013.0015.0043.0059.0072.0055.00-5.00-114.00-425.00-187.00-567.00-312.00-120.00-94.00
20.008.3315.38186.6737.2122.03-23.61-109.092,180.00272.81-56.00203.21-44.97-61.54-21.67
0.801.050.890.931.221.021.041.051.081.081.091.121.121.121.131.15
5.2631.25-15.244.4931.18-16.391.960.962.860.932.750.891.77
7.807.867.917.9539.3038.4038.6037.8031.3049.6058.1053.3548.4748.4748.4748.47
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Isabella Bank generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Isabella Bank retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Isabella Bank's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Isabella Bank has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Isabella Bank's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Isabella Bank stock margins

The Isabella Bank margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Isabella Bank. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Isabella Bank.
  • 3 Years

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  • Max

Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2020
79.10 %
-8.49 %
Jan 1, 2021
65.68 %
-172.43 %
Jan 1, 2022
63.14 %
-573.86 %
Jan 1, 2023
68.70 %
-261.25 %
Jan 1, 2024
74.04 %
-806.34 %
Jan 1, 2025 (e)
0.00 %
-11.98 %
Jan 1, 2026 (e)
0.00 %
-4.34 %
Jan 1, 2027 (e)
0.00 %
-3.12 %

Isabella Bank Revenue per Share, Earnings per Share

The Isabella Bank earnings per share therefore indicates how much revenue Isabella Bank has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 Years

  • 5 Years

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  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2020
2.07 USD
-0.18 USD
Jan 1, 2021
1.34 USD
-2.31 USD
Jan 1, 2022
1.28 USD
-7.32 USD
Jan 1, 2023
1.35 USD
-3.51 USD
Jan 1, 2024
1.45 USD
-11.71 USD
Jan 1, 2025 (e)
53.83 USD
-6.45 USD
Jan 1, 2026 (e)
57.32 USD
-2.49 USD
Jan 1, 2027 (e)
62.35 USD
-1.94 USD

Isabella Bank business model & stock analysis

The Isabella Bank Corp is a US-American bank based in Mount Pleasant, Michigan. The history of the company dates back to the year 1903, when the Union Bank was founded in Isabella County. In the decades that followed, the bank grew through acquisitions and purchases until it was finally renamed Isabella Bank Corp in 1988. The business model of Isabella Bank Corp is focused on the needs of its customers. It offers products and services for retail customers, business customers, and public institutions. The personal relationship with the customers is of utmost importance. The bank places great value on ensuring that their customers have a personal contact person who can assist them with any questions and help them manage their finances. Isabella Bank Corp is divided into different divisions to meet the different needs and requirements of its customers. The divisions include retail customers, business customers, public institutions, the real estate market, and asset management. Each division offers a variety of products and services that are specifically tailored to meet the needs of their customers. The retail customers division offers a wide range of financial products tailored to the needs of individual customers. This includes current accounts, savings accounts, credit cards, mortgage financing, and various insurance products. Isabella Bank Corp has a network of branches and ATMs that allow customers to conveniently and easily manage their finances from anywhere. The business customers division offers a range of business accounts specifically tailored to the needs of small and medium-sized businesses. In addition, Isabella Bank Corp offers loans, leasing agreements, working capital loans, and various other financial products to help businesses manage their finances. The public institutions division specializes in providing financial and administrative solutions for government agencies, schools, and other public institutions. This includes treasury management products, investment fund management, and various credit products. The real estate market division offers financing and leasing solutions for retail customers and businesses. This includes mortgage financing, real estate rental and sales, and other related services. The asset management division offers a comprehensive range of asset management services, including investment management, advisory services, and various types of financial products. These products are tailored to the needs of affluent retail customers and businesses. In summary, Isabella Bank Corp offers a wide portfolio of financial products and services tailored to the different needs of its customers. With its personal approach and commitment to customer satisfaction, the bank has become a trusted partner for retail customers, businesses, and public institutions.

Isabella Bank SWOT Analysis

Strengths

Isabella Bank Corp has a strong reputation in the banking industry, built over several years of reliable service and customer satisfaction.

The bank has a robust financial position, with healthy profit margins and a consistently growing customer base.

Isabella Bank Corp offers a wide range of innovative and competitive banking products and services, catering to the diverse needs of its customers.

Weaknesses

One of the weaknesses of Isabella Bank Corp is its limited geographic presence, primarily serving a specific region. This may hinder potential growth opportunities in other markets.

The bank may face challenges in keeping up with technological advancements in the industry, potentially affecting its ability to compete with more digitally-focused competitors.

Isabella Bank Corp may have a relatively small market share compared to larger national or international banks, which could impact its bargaining power and influence.

Opportunities

Expanding into new markets or acquiring smaller regional banks can provide Isabella Bank Corp with opportunities for growth and increased market share.

Embracing digital banking solutions and investing in advanced technology can enhance customer experience and attract tech-savvy customers.

Partnering with fintech companies or exploring collaborations with technology experts can help leverage their expertise and tap into emerging trends in the industry.

Threats

Intense competition from larger national or international banks can pose a threat to Isabella Bank Corp's market share and profitability.

Economic downturns or financial crises can impact the creditworthiness of borrowers and increase the risk of defaults, potentially affecting the bank's asset quality.

Regulatory changes or compliance requirements may impose additional costs and constraints on Isabella Bank Corp's operations.

Isabella Bank Employees

  • 3 Years

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  • Max

Isabella Bank Employees
Details
Date
Isabella Bank Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

Isabella Bank Segments

Isabella Bank Revenue by Segment

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  • Max

Debit Card
Fiduciary and Trust
Investment Advice
Service Charges And Deposit Account Fees
Details
Date
Debit Card
Fiduciary and Trust
Investment Advice
Service Charges And Deposit Account Fees
Jan 1, 2018
2.49 M USD
2.13 M USD
702,000.00 USD
332,000.00 USD

Isabella Bank Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Isabella Bank historical P/E ratio, EBIT multiple, and P/S ratio

Isabella Bank annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Isabella Bank shares outstanding

The number of shares of Isabella Bank was 48.47 M in 2025. This indicates how many shares Isabella Bank is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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  • 25 Years

  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
31.30 M Stocks
Jan 1, 2021
49.60 M Stocks
Jan 1, 2022
58.10 M Stocks
Jan 1, 2023
53.35 M Stocks
Jan 1, 2024
48.47 M Stocks
Jan 1, 2025 (e)
48.47 M Stocks
Jan 1, 2026 (e)
48.47 M Stocks
Jan 1, 2027 (e)
48.47 M Stocks

Isabella Bank stock splits

In Isabella Bank's history, there have been no stock splits.

Isabella Bank Dividend History

19 years of dividend payments

YearAnnual DividendYoY ChangePayments
20260.56USDYTD
Mar 27, 20260.28USD 0.0%1/2
Jun 26, 20260.28USD 0.0%2/2
20250.28USD 75.0%
Mar 27, 20250.28USD 0.0%1/1
20241.12USD 0.0%
20231.12USD 2.8%
20221.09USD 0.9%
20211.08USD 0.0%
20201.08USD 2.9%
20191.05USD 1.0%
20181.04USD 2.0%
20171.02USD 16.4%

Isabella Bank dividend history and estimates

In 2025, Isabella Bank paid a dividend amounting to 0.28 USD. Dividend means that Isabella Bank distributes a portion of its profits to its owners.
  • Max

Dividend
Dividend (Estimate)
Special dividend
Details
Date
Dividend
Dividend (Estimate)
Special dividend
Jan 1, 2020
1.08 USD
0.00 USD
0.00 USD
Jan 1, 2021
1.08 USD
0.00 USD
0.00 USD
Jan 1, 2022
1.09 USD
0.00 USD
0.00 USD
Jan 1, 2023
1.12 USD
0.00 USD
0.00 USD
Jan 1, 2024
1.12 USD
0.00 USD
0.00 USD
Jan 1, 2025 (e)
0.28 USD
0.84 USD
0.00 USD
Jan 1, 2026 (e)
0.00 USD
1.13 USD
0.00 USD
Jan 1, 2027 (e)
0.00 USD
1.15 USD
0.00 USD

Isabella Bank dividend payout ratio

In 2025, Isabella Bank had a payout ratio of 64.45%. The payout ratio indicates the percentage of the company's profits that Isabella Bank distributes as dividends.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
-635.29 %
Jan 1, 2021
-46.75 %
Jan 1, 2022
-14.89 %
Jan 1, 2023
-31.87 %
Jan 1, 2024
-9.56 %
Jan 1, 2025 (e)
64.45 %
Jan 1, 2026 (e)
63.99 %
Jan 1, 2027 (e)
66.79 %

Current Isabella Bank forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
0.00 %
Buy
0.00 % (0)
Hold
50.00 % (3)
Sell
50.00 % (3)
12M Price Target
27.54
Last Price
39.62
Currency
USD
12M Return Potential
-30.48 %
LTM Return
0 %

Isabella Bank Analyst Rating Actions

DateFirmActionRatingReliability
7/27/2026
Piper Sandler
Piper Sandler
MaintainedNeutral53
4/27/2026
Piper Sandler
Piper Sandler
MaintainedNeutral53
2/9/2026
Piper Sandler
Piper Sandler
MaintainedNeutral53
10/31/2025
Piper Sandler
Piper Sandler
MaintainedNeutral53
7/29/2025
Piper Sandler
Piper Sandler
MaintainedNeutral53
2/3/2025
Piper Sandler
Piper Sandler
MaintainedNeutral53
10/30/2024
Piper Sandler
Piper Sandler
MaintainedNeutral53
7/31/2024
Piper Sandler
Piper Sandler
MaintainedNeutral53
10/25/2022
Piper Sandler
Piper Sandler
UpgradeNeutralOverweight53
10/25/2021
Piper Sandler
Piper Sandler
DowngradeOverweightNeutral53

Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.

Isabella Bank Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
1/28/20260.64USD-21.42 MUSD-2025 Q4
4/18/20240.67USD--USD-2024 Q1
2/8/20240.70USD--USD-2023 Q4
7/19/20230.84USD-20.71 MUSD-2023 Q2
4/19/20230.83USD-20.40 MUSD-2023 Q1
2/8/20230.88USD-20.30 MUSD-2022 Q4
10/20/20220.81USD-20.00 MUSD-2022 Q3
7/21/20220.59USD-17.56 MUSD-2022 Q2
4/21/20220.62USD-17.46 MUSD-2022 Q1
2/10/20220.55USD-16.54 MUSD-2021 Q4

EESG©

Eulerpool ESG Scorecard© for the Isabella Bank stock

40/100
33
Environment
47
Social
41
Governance
E

Environment

20
Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees47
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Isabella Bank shareholder structure

% Name
67.01405%
Standard General LP
Standard General LP
3.96413%
Whitefort Capital Management, LP
Whitefort Capital Management, LP
1.31783%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
1.10337%
BlackRock Institutional Trust Company, N.A.
BlackRock Institutional Trust Company, N.A.
0.92389%
Sessa Capital
Sessa Capital
0.72250%
Rathbones Investment Management Limited
Rathbones Investment Management Limited
...

Isabella Bank Beneficial Ownership Filings (SEC 13D/G)

Free Float
91.8%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
6.40%
BlackRock, Inc.
BlackRock, Inc.
SEC ↗
5.04%
McGuirk Investments, LLC
McGuirk Investments, LLC
SEC ↗

Isabella Bank Executives and Management Board

11 members · avg. age 57 · 36 % women

RR

Mr. Robeson Reeves (41)

Chief Executive Officer, Director · since 2021

2.29 M USD

Management

GP

Mr. George Papanier (67)

President, Director · since 2019

2.13 M USD
MG

Mr. Marcus Glover (50)

Executive Vice President, Global Operations

1.23 M USD
KL

Ms. Kim Lee (57)

Executive Vice President, Chief Legal Officer

1.01 M USD
CE

Mr. Craig Eaton (60)

President, Rhode Island Operations and Corporate Secretary

952,138.00 USD
MM

Ms. Mira Mircheva (46)

Chief Financial Officer, Executive Vice President

Board of Directors

JP

Mr. Jaymin Patel (57)

Independent Vice Chairman of the Board

1.06 M USD
JR

Mr. Jeffrey Rollins (60)

Independent Director

609,995.00 USD
WW

Ms. Wanda Wilson (75)

Independent Director

549,995.00 USD
SK

Mr. Soohyung Kim (50)

Executive Chairman of the Board · since 2016

399,993.00 USD
TH

Ms. Tracy Harris (61)

Independent Director

309,995.00 USD

Frequently asked questions about Isabella Bank

Isabella Bank Corp operates as a financial institution that provides various banking products and services. The company's business model revolves around offering commercial and retail banking services to individuals, businesses, and organizations in Michigan, USA. Isabella Bank Corp aims to generate revenue through traditional banking activities, such as accepting deposits, granting loans, providing wealth management solutions, and offering other financial services. With a customer-centric approach, Isabella Bank Corp strives to meet the diverse financial needs of its clients while maintaining strong relationships within the communities it serves.

Isabella Bank Corp is primarily active in the banking industry.

The main competitors of Isabella Bank Corp in the market include other regional banks and financial institutions operating in the same geographic area. These competitors typically offer similar services, such as consumer and commercial banking, wealth management, and loans. Some notable competitors of Isabella Bank Corp may include Chemical Bank, Independent Bank Corp, Mercantile Bank Corp, and Members First Credit Union. Isabella Bank Corp differentiates itself by offering personalized customer service, innovative financial solutions, and a strong focus on supporting local communities.

Isabella Bank Corp is a financial institution with a rich history and a strong background. Established in 1903, Isabella Bank Corp has been serving the community for over a century. The company is headquartered in Mount Pleasant, Michigan, and operates as a subsidiary of Isabella Bank, offering a range of financial services to individuals and businesses. With its dedicated team of professionals and commitment to customer satisfaction, Isabella Bank Corp has built a reputation for providing reliable banking solutions, personalized service, and community involvement. Over the years, the company has continued to grow and adapt to changing market demands, positioning itself as a trusted and dependable financial partner for customers.

Isabella Bank Corp, a reputable financial institution, has achieved several significant milestones over the years. One notable achievement is the consistent growth in its assets and annual revenues, showcasing its strong financial performance. Another milestone worth mentioning is the expansion of its branch network, allowing the company to reach and serve a wider customer base effectively. Isabella Bank Corp has also consistently delivered positive shareholder returns, reflecting its commitment to creating value for its investors. Furthermore, the company has gained a strong reputation for its exceptional customer service, reflecting its dedication to building long-term relationships with clients.

Isabella Bank Corp is primarily present in the United States, specifically in the state of Michigan.

Isabella Bank Corp represents strong values and a client-focused corporate philosophy. As a trusted financial institution, Isabella Bank Corp prioritizes integrity, innovation, and personalized service for its customers. The company is committed to building long-term relationships and providing exceptional banking solutions. With a dedication to community development, Isabella Bank Corp actively supports local organizations and initiatives. Their commitment to ethical practices and transparency is evident in their operations. Isabella Bank Corp strives to meet the diverse financial needs of its clients, ensuring their financial success and contributing positively to the communities they serve.

Analysts currently set an average price target of 27.54 USD for the Isabella Bank stock (median: 27.54 USD), implying -30.5 % versus the latest price. The consensus is based on 6 analyst ratings.

6 analysts currently rate the Isabella Bank stock: 0 recommend buying, 3 holding and 3 selling. For 2026, analysts expect Isabella Bank to generate revenue of 2.78 B USD and earnings per share of -2.49 USD.

Converted at the current exchange rate, the Isabella Bank share trades at 33.95 EUR (39.62 USD).

The Isabella Bank Corp is a US financial company based in Mount Pleasant, Michigan. Since its establishment in 1903, the company has become a leading regional financial service provider with over 30 branches. The business model of Isabella Bank Corp focuses on various sectors, including deposit and credit products, wealth management, individual financial planning, and payment processing. The company aims to provide its customers with personalized solutions to help them achieve their financial goals. Deposit and credit products offered by Isabella Bank Corp include checking accounts, savings accounts, certificates, mortgages, and other loans. Customers can choose from various options tailored to their needs and financial objectives. The bank also offers mobile banking services, allowing customers to conveniently access their accounts on the go. Isabella Bank Corp's wealth management team provides expertise in asset management to its customers. They develop investment and wealth strategies customized to individual client needs. The company also offers financial planning and consulting services to assist customers in planning their financial future. For individual financial planning, Isabella Bank Corp offers tailored services to meet the needs and goals of its customers. Clients can expect support from the company's experienced financial advisors in creating financial plans, establishing personal budgets, and reducing debt. To facilitate customer convenience, Isabella Bank Corp provides convenient payment options, including online banking, mobile banking, and secure payment processing. The company also collaborates with businesses to offer customized payment solutions. In summary, Isabella Bank Corp has a versatile business model tailored to the needs and financial goals of its customers. The company offers a wide range of products and services, including deposit and credit products, wealth management, individual financial planning, and payment processing. The company strives to support customers in achieving their financial goals and provide them with the highest level of convenience and service quality.

The expected revenue of Isabella Bank is 2.78 B USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Isabella Bank is -120.51 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Isabella Bank is currently -15.93. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Isabella Bank stock.

The price-to-sales ratio (P/S) of Isabella Bank is currently 0.69. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Isabella Bank stock.

The Eulerpool Quality Score for Isabella Bank is 1/10.

The ISIN of Isabella Bank is US4642141059. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Isabella Bank is A0YHVP. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Isabella Bank is ISBA. The ticker symbol is used to trade Isabella Bank shares on the stock exchange.

Over the past 12 months, Isabella Bank paid a dividend of 1.12 USD . This corresponds to a dividend yield of about 2.83 %. For the coming 12 months, Isabella Bank is expected to pay a dividend of 1.15 USD.

The current dividend yield of Isabella Bank is 2.83 %.

Isabella Bank pays a dividend, distributed in the months of , , , .

Isabella Bank paid dividends every year for the past 18 years.

For the upcoming 12 months, dividends amounting to 1.15 USD are expected. This corresponds to a dividend yield of 2.90 %.

Isabella Bank is assigned to the 'Finance' sector.

To receive the latest dividend of Isabella Bank from amounting to 0.28 USD, you needed to have the stock in your portfolio before the ex-date on .

The last dividend was paid out on .

In the year 2025, Isabella Bank distributed 1.12 USD as dividends.

The dividends of Isabella Bank are distributed in USD.

All fundamentals and in-depth analysis of Isabella Bank

Our stock analysis for Isabella Bank stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Isabella Bank. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.