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Isabella Bank Corporation (ISBA)

Financial Services | Banks - Regional | Mount Pleasant, United States | NasdaqCM
36.71 USD
After hours: 36.71
Short-term:★★⯪☆☆Long-term:★★★⯪☆Dividends:★★★☆☆
Hot Take ↕ | Oct. 10, 2026, 9:33 a.m. EDT

The immediate outlook is neutral to slightly cautious due to a lack of recent price momentum and a modest statistical forecast leaning flat, though the recent trading range suggests stability rather than a crash. However, the long-term picture is significantly brighter, driven by a powerful nine-year price trajectory where the stock has more than doubled (+30.76%) and ended the period on a strong upward note after a massive +71% surge in the prior year. While the business shows signs of stress with lagging quarterly earnings and a recent acquisition that may dilute focus, the market has clearly reassessed the company's quality over the last decade, evidenced by the sustained price appreciation. The valuation appears attractive relative to this growth history, trading at a forward P/E under 10x despite the recent revenue beat, suggesting the market is pricing in a mean reversion rather than a permanent decline. On the income side, the stock offers a solid 2.95% yield backed by a healthy 41% payout ratio and a consistent track record of payments, making it a viable income play that balances moderate capital appreciation potential with reliable cash flow.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.075373
AutoARIMA0.076097
AutoETS0.076454
AutoTheta0.097734

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 44%
H-stat 3.55
Ljung-Box p 0.000
Jarque-Bera p 0.884
Excess Kurtosis 0.17
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-09-27
Last Dividend Date 2026-09-27
Revenue per Share 11.344
Market Cap 280,055,936
Trailing P/E 13.55
Forward P/E 9.29
Beta 0.08
Profit Margins 23.99%
Website https://www.isabellabank.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.74% 2.58% 4.11% 4.37%
Dividend History
Date Dividend Yield %
2026-09-28 0.28 0.739176
2026-06-26 0.28 0.697385
2026-03-27 0.28 0.612691
2025-12-17 0.28 0.535680
2025-09-26 0.28 0.796586
2025-06-26 0.28 0.830614
2025-03-27 0.28 1.231310
2024-12-16 0.28 1.137749
2024-09-26 0.28 1.386139
2024-06-26 0.28 1.546107
2024-03-26 0.28 1.437372
2023-12-12 0.28 1.375246
2023-09-26 0.28 1.365854
2023-06-27 0.28 1.326386
2023-03-28 0.28 1.217391
2022-12-13 0.28 1.256169
2022-09-27 0.27 1.227273
2022-06-27 0.27 1.080000
2022-03-28 0.27 1.079568
2021-12-13 0.27 0.992647
2021-09-27 0.27 1.022727
2021-06-25 0.27 1.136842
2021-03-25 0.27 1.255814
2020-12-15 0.27 1.384615
2020-09-25 0.27 1.666667
2020-06-25 0.27 1.541976
2020-03-25 0.27 1.641337
2019-12-26 0.27 1.124063
2019-09-25 0.26 1.158645
2019-06-25 0.26 1.111111
2019-03-25 0.26 1.106383
2018-12-26 0.26 1.130435
2018-09-25 0.26 0.962963
2018-06-26 0.26 0.964750
2018-03-27 0.26 0.957643
2017-12-22 0.26 0.928571
2017-09-26 0.26 0.909091
2017-03-24 0.25 0.900901
2016-12-22 0.25 0.896057
2016-09-23 0.25 0.904159
2016-06-23 0.24 0.864865
2016-03-22 0.24 0.873999
2015-12-22 0.24 0.877193
2015-09-23 0.24 1.030043
2015-06-23 0.23 0.972516
2015-03-23 0.23 1.010989
2014-12-18 0.23 1.040724
2014-09-23 0.22 0.918580
2014-06-23 0.22 0.959024
2014-03-24 0.22 0.926316
2013-12-20 0.21 0.933333
2013-09-20 0.21 0.855397
2013-06-20 0.21 0.840000
2013-03-22 0.21 0.851927
2012-12-21 0.20 0.909091
2012-09-21 0.20 0.871460
2012-06-22 0.20 0.803213
2012-03-26 0.20 0.833681
2011-12-21 0.19 0.800000
2011-09-21 0.19 1.002638
2011-06-22 0.19 1.085714
2011-03-16 0.19 1.075878
2010-12-15 0.18 1.065089
2010-09-13 0.18 1.034483
2010-06-11 0.18 1.000556
2010-03-09 0.18 0.972973
2009-12-22 0.32 1.693122
2009-09-08 0.13 0.724234
2009-05-28 0.13 0.691489
2009-03-03 0.17 0.809524
2008-11-26 0.29 1.183673
2008-09-02 0.12 0.363636
Additional Data
dividendRate 1.12
dividendYield 3.06
exDividendDate 2026-09-28
trailingAnnualDividendRate 1.12
trailingAnnualDividendYield 0.0305094
lastDividendValue 0.28
lastDividendDate 2026-09-28
dividendDate 2026-09-30

Info Dump

Attribute Value
52 Week Change 0.03379333
Address1 401 North Main Street
All Time High 58.83
All Time Low 14.0
Ask 36.85
Ask Size 1
Audit Risk 5
Average Daily Volume10 Day 31,400
Average Daily Volume3 Month 55,984
Average Volume 55,984
Average Volume10Days 31,400
Beta 0.075
Bid 26.61
Bid Size 2
Board Risk 4
Book Value 32.601
City Mount Pleasant
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 5
Country United States
Crypto Tradeable 0
Currency USD
Current Price 36.71
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 37.26
Day Low 36.44
Display Name Isabella Bank
Dividend Date 1,790,726,400
Dividend Rate 1.12
Dividend Yield 3.06
Earnings Growth 0.011
Earnings Quarterly Growth 0.002
Earnings Timestamp End 1,753,732,800
Earnings Timestamp Start 1,753,300,800
Ebitda Margins 0.0
Enterprise To Revenue 4.614
Enterprise Value 383,852,928
Eps Current Year 3.3
Eps Forward 3.95
Eps Trailing Twelve Months 2.71
Esg Populated 0
Ex Dividend Date 1,790,553,600
Exchange NCM
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 38.8188
Fifty Day Average Change -2.1088028
Fifty Day Average Change Percent -0.05432426
Fifty Two Week Change Percent 3.379333
Fifty Two Week High 58.83
Fifty Two Week High Change -22.120003
Fifty Two Week High Change Percent -0.37599868
Fifty Two Week Low 33.24
Fifty Two Week Low Change 3.4699974
Fifty Two Week Low Change Percent 0.104392216
Fifty Two Week Range 33.24 - 58.83
Financial Currency USD
First Trade Date Milliseconds 1,138,631,400,000
Five Year Avg Dividend Yield 4.03
Float Shares 7,051,672
Forward Eps 3.95
Forward P E 9.293671
Full Exchange Name NasdaqCM
Full Time Employees 341
Fullday Change 0.0
Fullday Change Percent 0.0
Fullday Price 36.71
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 83,202,000
Has Pre Post Market Data 1
Held Percent Insiders 0.06415
Held Percent Institutions 0.20926
Implied Shares Outstanding 7,628,873
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,790,553,600
Last Dividend Value 0.28
Last Fiscal Year End 1,767,139,200
Last Split Date 1,205,193,600
Last Split Factor 11:10
Long Business Summary 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.
Long Name Isabella Bank Corporation
Market us_market
Market Cap 280,055,936
Market State CLOSED
Max Age 86,400
Message Board Id finmb_4802505
Most Recent Quarter 1,782,777,600
Net Income To Common 19,963,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 290,736,350
Number Of Analyst Opinions 1
Open 36.7
Operating Cashflow 25,874,000
Operating Margins 0.32327
Overall Risk 6
Payout Ratio 0.4133
Phone 989 772 9471
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 36.71
Post Market Time 1,792,180,813
Previous Close 36.71
Price Eps Current Year 11.124243
Price Hint 2
Price To Book 1.126039
Price To Sales Trailing12 Months 3.365976
Profit Margins 0.23993
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.0
Regular Market Change Percent 0.0
Regular Market Day High 37.26
Regular Market Day Low 36.44
Regular Market Day Range 36.44 - 37.26
Regular Market Open 36.7
Regular Market Previous Close 36.71
Regular Market Price 36.71
Regular Market Time 1,792,180,801
Regular Market Volume 43,795
Return On Assets 0.00912
Return On Equity 0.08509
Revenue Growth 0.083
Revenue Per Share 11.344
Sand P52 Week Change 0.13723719
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 9
Shares Outstanding 7,628,873
Shares Percent Shares Out 0.041100003
Shares Short 313,739
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 319,010
Short Name Isabella Bank Corporation
Short Percent Of Float 0.0417
Short Ratio 5.68
Source Interval 15
State MI
Symbol ISBA
Target High Price 43.0
Target Low Price 43.0
Target Mean Price 43.0
Target Median Price 43.0
Total Cash 41,774,000
Total Cash Per Share 5.476
Total Debt 145,571,008
Total Revenue 83,202,000
Tradeable 0
Trailing Annual Dividend Rate 1.12
Trailing Annual Dividend Yield 0.0305094
Trailing Eps 2.71
Trailing P E 13.546124
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 43.1905
Two Hundred Day Average Change -6.4804993
Two Hundred Day Average Change Percent -0.15004456
Type Disp Equity
Volume 43,795
Website https://www.isabellabank.com
Zip 48,858