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Isabella Bank Corporation ISBA

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39.88 USD -0.94 (-2.30%)

At closeNov 3, 2026, 4:00 PM EST

39.88 0.00 0.00%

After hours · Nov 3, 4:00 PM ET

39.81 Day range 41.40
35.93 52-week range 56.58
YTD
-20.24%
1 year
+4.18%

Financial health

Altman Z-Score

0.51 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 2
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 2
  • P/B 3

Valuation

P/E 19.5×
FY 2016: 15.7×FY 2017: 16.7×FY 2018: 12.7×FY 2019: 14.7×FY 2020: 14.3×FY 2021: 10.3×FY 2022: 8.0×FY 2023: 8.9×FY 2024: 14.0×FY 2025: 19.5×
FY 2016 5y median 10.3× FY 2025
P/S 3.3×
FY 2016: 3.5×FY 2017: 3.3×FY 2018: 2.4×FY 2019: 2.5×FY 2020: 2.1×FY 2021: 2.7×FY 2022: 2.3×FY 2023: 1.8×FY 2024: 1.9×FY 2025: 3.3×
FY 2016 5y median 2.3× FY 2025
P/B 1.6×
FY 2016: 1.2×FY 2017: 1.1×FY 2018: 0.9×FY 2019: 0.9×FY 2020: 0.7×FY 2021: 0.9×FY 2022: 1.0×FY 2023: 0.8×FY 2024: 0.9×FY 2025: 1.6×
FY 2016 5y median 0.9× FY 2025
P/FCF 15.8×
FY 2016: 13.2×FY 2017: 12.6×FY 2018: 9.0×FY 2019: 8.8×FY 2020: 7.6×FY 2021: 8.0×FY 2022: 7.5×FY 2023: 8.0×FY 2024: 11.1×FY 2025: 15.8×
FY 2016 5y median 8.0× FY 2025
EV/EBITDA 21.8×
FY 2016: 27.3×FY 2017: 27.3×FY 2018: 23.8×FY 2019: 23.0×FY 2020: 4.5×FY 2021: 7.1×FY 2022: 7.8×FY 2023: 10.2×FY 2024: 15.3×FY 2025: 21.8×
FY 2016 5y median 10.2× FY 2025
EV/Sales 4.3×
FY 2016: 8.6×FY 2017: 8.0×FY 2018: 6.1×FY 2019: 5.3×FY 2020: 0.9×FY 2021: 2.6×FY 2022: 2.9×FY 2023: 2.7×FY 2024: 2.8×FY 2025: 4.3×
FY 2016 5y median 2.8× FY 2025
FCF Yield 6.3%
FY 2016: 7.6%FY 2017: 8.0%FY 2018: 11.1%FY 2019: 11.4%FY 2020: 13.1%FY 2021: 12.4%FY 2022: 13.4%FY 2023: 12.5%FY 2024: 9.0%FY 2025: 6.3%
FY 2016 5y median 12.4% FY 2025

Profitability

Gross Margin 70.6%
FY 2016: 82.7%FY 2017: 81.1%FY 2018: 77.1%FY 2019: 76.6%FY 2020: 79.6%FY 2021: 90.3%FY 2022: 92.4%FY 2023: 75.4%FY 2024: 64.6%FY 2025: 70.6%
FY 2016 5y median 75.4% FY 2025
Operating Margin 19.8%
FY 2016: 26.0%FY 2017: 24.1%FY 2018: 21.2%FY 2019: 18.9%FY 2020: 15.7%FY 2021: 32.8%FY 2022: 35.1%FY 2023: 24.1%FY 2024: 16.1%FY 2025: 19.8%
FY 2016 5y median 24.1% FY 2025
Net Margin 16.9%
FY 2016: 22.2%FY 2017: 19.7%FY 2018: 19.3%FY 2019: 17.1%FY 2020: 14.4%FY 2021: 27.4%FY 2022: 29.0%FY 2023: 20.0%FY 2024: 13.7%FY 2025: 16.9%
FY 2016 5y median 20.0% FY 2025
ROE 8.2%
FY 2016: 7.3%FY 2017: 6.8%FY 2018: 7.2%FY 2019: 6.2%FY 2020: 5.0%FY 2021: 9.2%FY 2022: 11.9%FY 2023: 9.0%FY 2024: 6.6%FY 2025: 8.2%
FY 2016 5y median 9.0% FY 2025
ROIC 4.5%
FY 2016: 2.7%FY 2017: 2.5%FY 2018: 2.6%FY 2019: 2.7%FY 2020: 2.9%FY 2021: 6.3%FY 2022: 8.1%FY 2023: 5.4%FY 2024: 4.1%FY 2025: 4.5%
FY 2016 5y median 5.4% FY 2025
ROA 0.9%
FY 2016: 0.8%FY 2017: 0.7%FY 2018: 0.8%FY 2019: 0.7%FY 2020: 0.6%FY 2021: 1.0%FY 2022: 1.1%FY 2023: 0.9%FY 2024: 0.7%FY 2025: 0.9%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 10.1%
FY 2016: 3.1%FY 2017: 8.3%FY 2018: 7.7%FY 2019: 5.3%FY 2020: -0.8%FY 2021: -5.9%FY 2022: 7.4%FY 2023: 18.6%FY 2024: 12.1%FY 2025: 10.1%
FY 2016 FY 2025
Operating Income 35.0%
FY 2016: -12.3%FY 2017: 0.7%FY 2018: -5.3%FY 2019: -6.4%FY 2020: -17.6%FY 2021: 96.7%FY 2022: 15.0%FY 2023: -18.7%FY 2024: -24.9%FY 2025: 35.0%
FY 2016 FY 2025
EPS (diluted) 37.6%
FY 2016: -8.9%FY 2017: -4.6%FY 2018: 5.5%FY 2019: -7.5%FY 2020: -16.8%FY 2021: 82.8%FY 2022: 18.8%FY 2023: -17.5%FY 2024: -22.5%FY 2025: 37.6%
FY 2016 FY 2025
Free Cash Flow 33.1%
FY 2016: 136.0%FY 2017: 7.3%FY 2018: 11.5%FY 2019: 11.8%FY 2020: -6.8%FY 2021: 16.7%FY 2022: -0.7%FY 2023: -15.2%FY 2024: -12.9%FY 2025: 33.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.5×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.1×
FY 2016: 0.5×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.6×
FY 2016: 1.8×FY 2017: 1.8×FY 2018: 1.7×FY 2019: 1.3×FY 2020: 0.7×FY 2021: 0.5×FY 2022: 0.5×FY 2023: 0.6×FY 2024: 0.5×FY 2025: 0.6×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA 5.2×
FY 2016: 16.1×FY 2017: 16.0×FY 2018: 14.3×FY 2019: 12.2×FY 2020: -5.8×FY 2021: -0.2×FY 2022: 1.7×FY 2023: 3.5×FY 2024: 4.8×FY 2025: 5.2×
FY 2016 5y median 3.5× FY 2025
Interest Coverage 0.7×
FY 2016: 1.5×FY 2017: 1.3×FY 2018: 1.0×FY 2019: 0.8×FY 2020: 0.9×FY 2021: 3.1×FY 2022: 5.0×FY 2023: 1.0×FY 2024: 0.5×FY 2025: 0.7×
FY 2016 5y median 1.0× FY 2025

Dividends

Dividend Yield 2.2%
FY 2016: 3.5%FY 2017: 3.6%FY 2018: 4.6%FY 2019: 4.3%FY 2020: 5.5%FY 2021: 4.4%FY 2022: 4.6%FY 2023: 5.1%FY 2024: 4.2%FY 2025: 2.2%
FY 2016 5y median 4.4% FY 2025
Payout Ratio 42.8%
FY 2016: 55.4%FY 2017: 60.4%FY 2018: 58.3%FY 2019: 63.6%FY 2020: 78.3%FY 2021: 42.9%FY 2022: 36.3%FY 2023: 45.2%FY 2024: 58.7%FY 2025: 42.8%
FY 2016 5y median 42.9% FY 2025

Annual · latest fiscal year ends 2025-12-31