YOLFTbeta
Isabella Bank Corporation

Isabella Bank Corporation

ISBA · NASDAQ · Financial Services / Banks - Regional

39.58USD-0.02 (-0.05%)

Price History

Full chart

Market Stats

Previous Close39.60
Open39.23
Day Range39.23 – 39.60
52-Week Range32.39 – 57.63
Volume13.23K
Market Cap288.98M
P/E (TTM)13.98
Forward P/E11.22
EPS2.71
Dividend Yield2.91%
Beta0.02
50-Day Avg39.41
200-Day Avg44.21

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Jerome E. Schwind
  • Employees341
  • Headquarters401 North Main Street, Mount Pleasant, MI, United States, 48858, USA
  • Websitehttps://www.isabellabank.com

Leadership

  • Mr. Jerome E. SchwindPresident, CEO & Director · b. 1967
  • Mr. Gerald J. RitzertChief Financial Officer · b. 1970
  • Ms. Peggy L. WheelerChief Operations Officer · b. 1960
  • Ms. Debra A. CampbellVP & Corporate Secretary
  • Ms. Jennifer L. GillVP & Controller · b. 1983
  • Mr. Michael P. PrisbyVP & Treasurer
  • Mr. Michael K. HuenemannChief Lending Officer · b. 1974

Financials

Income Statement

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue11.44M12.65M13.02M15.75M21.12M23.37M26.23M24.38M24.65M19.36M22.23M29.51M63.93M69.19M68.26M66.51M65.97M67.25M60.03M60.04M60.31M62.17M67.35M72.52M76.34M75.75M71.28M76.55M90.76M101.71M112.00M
Growth (%)-+10.52%+2.95%+21.00%+34.06%+10.66%+12.22%-7.03%+1.09%-21.47%+14.82%+32.78%+116.64%+8.22%-1.34%-2.57%-0.80%+1.93%-10.74%+0.01%+0.45%+3.08%+8.34%+7.67%+5.27%-0.77%-5.91%+7.40%+18.57%+12.06%+10.11%
Cost of Revenue9.47M10.46M10.92M12.80M16.73M18.97M20.03M16.28M13.90M11.19M13.75M20.41M27.17M35.11M25.93M22.06M20.03M15.72M12.13M9.30M7.39M10.73M12.75M16.61M17.89M15.49M6.89M5.80M22.32M36.03M32.93M
Gross Profit1.97M2.19M2.10M2.95M4.39M4.41M6.20M8.10M10.74M8.16M8.48M9.10M36.76M34.08M42.33M44.45M45.95M51.52M47.90M50.73M52.92M51.44M54.60M55.91M58.45M60.26M64.38M70.75M68.45M65.69M79.07M
Gross Margin17.22%17.32%16.13%18.73%20.79%18.85%23.63%33.23%43.59%42.18%38.14%30.83%57.50%49.26%62.01%66.83%69.64%76.62%79.79%84.51%87.74%82.74%81.07%77.10%76.56%79.55%90.33%92.42%75.41%64.58%70.60%
Operating Expense-2.05M-2.44M-3.00M-2.05M-2.90M-3.11M-2.07M-1.11M1.50M-358.00K-248.00K178.00K27.23M30.70M33.68M33.80M34.38M36.95M33.19M34.67M34.50M35.29M38.35M40.53M44.04M48.39M41.03M43.91M46.62M49.29M56.94M
Operating Income4.02M4.63M5.10M5.00M7.29M7.51M8.27M9.21M9.24M8.52M8.72M8.92M9.54M3.38M8.65M10.65M11.56M14.57M14.71M16.07M18.42M16.15M16.25M15.38M14.40M11.87M23.35M26.84M21.83M16.40M22.13M
Operating Margin35.16%36.65%39.16%31.77%34.50%32.15%31.54%37.77%37.48%44.03%39.25%30.22%14.91%4.88%12.67%16.01%17.53%21.67%24.50%26.76%30.54%25.97%24.13%21.21%18.87%15.67%32.76%35.07%24.05%16.12%19.76%
EBITDA4.02M4.63M5.10M5.00M8.43M8.81M11.45M11.85M11.59M10.21M10.60M10.96M11.97M6.31M12.05M14.05M15.10M18.03M18.00M19.07M21.60M19.52M19.61M18.64M17.69M15.04M26.29M28.91M23.81M18.48M22.28M
EBITDA Margin35.16%36.65%39.16%31.77%39.93%37.69%43.64%48.61%47.00%52.75%47.69%37.12%18.73%9.12%17.66%21.13%22.88%26.82%29.99%31.76%35.82%31.41%29.12%25.70%23.17%19.86%36.88%37.77%26.23%18.17%19.89%
Net Income2.96M3.34M3.61M3.63M5.24M5.43M6.07M6.92M7.21M6.64M6.78M7.00M7.93M4.10M7.80M9.04M10.21M12.21M12.51M13.72M15.13M13.80M13.24M14.02M13.02M10.88M19.50M22.24M18.17M13.89M18.91M
Net Income Margin25.85%26.41%27.72%23.07%24.83%23.24%23.13%28.40%29.23%34.33%30.49%23.72%12.40%5.93%11.43%13.60%15.48%18.15%20.84%22.86%25.09%22.20%19.65%19.33%17.06%14.37%27.36%29.05%20.02%13.66%16.88%
R&D--------------------0000-------
R&D as % of Total Revenue--------------------0.00%0.00%0.00%0.00%-------
Interest Expense9.00M9.96M10.53M12.48M16.22M18.40M19.26M15.26M12.45M10.46M12.97M19.73M25.96M25.61M19.84M17.20M16.20M13.42M11.02M9.97M10.16M10.87M12.49M15.63M17.86M13.82M7.41M5.32M21.69M34.14M33.49M
Interest Expense % of Total Revenue78.62%78.73%80.91%79.23%76.80%78.74%73.43%62.57%50.51%54.02%58.37%66.86%40.60%37.01%29.06%25.87%24.56%19.96%18.36%16.61%16.85%17.48%18.55%21.55%23.40%18.25%10.40%6.95%23.89%33.57%29.90%

Balance Sheet

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets281.51M298.74M318.73M388.78M503.60M540.90M592.14M652.72M664.08M678.03M741.65M910.13M957.28M1.14B1.14B1.23B1.34B1.43B1.49B1.55B1.67B1.73B1.81B1.84B1.81B1.96B2.03B2.03B2.06B2.09B2.21B
Total Liabilities255.70M270.74M287.77M354.26M456.49M488.97M535.32M589.26M595.14M605.44M660.75M794.38M834.20M1.00B1.00B1.08B1.18B1.27B1.33B1.37B1.48B1.54B1.62B1.64B1.60B1.74B1.82B1.84B1.86B1.88B1.98B
Total Equity25.81M28.00M30.96M34.52M47.11M51.93M56.83M63.46M68.94M72.59M80.90M115.75M123.08M134.48M140.80M145.16M154.78M164.49M160.61M174.59M183.97M187.90M194.91M195.52M210.18M218.59M211.05M186.21M202.40M210.28M231.40M
Cash21.70M15.12M28.50M30.50M26.71M28.43M55.46M54.44M31.22M20.76M30.82M31.36M25.58M23.55M29.86M33.92M37.51M29.39M42.14M19.91M21.57M22.89M30.85M73.47M60.57M246.64M105.33M38.92M33.67M24.54M26.04M
Total Debt----11.11M6.44M11.63M17.79M18.05M30.98M52.16M58.30M92.89M222.35M193.10M194.92M216.14M241.00M279.33M289.71M309.73M337.69M344.88M340.30M276.00M158.75M99.32M87.02M116.14M112.99M142.51M
Net Debt-21.70M-15.12M-28.50M-30.50M-15.60M-21.98M-43.83M-36.64M-13.16M10.22M21.34M26.94M67.30M198.80M163.24M161.00M178.62M211.62M237.19M269.80M288.16M314.80M314.03M266.83M215.43M-87.89M-6.01M48.09M82.46M88.45M116.47M

Cash Flow

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow3.23M5.66M4.81M853.00K11.53M6.83M2.15M6.12M19.86M12.74M18.11M-1.79M60.39M20.66M18.23M26.52M18.86M19.46M23.61M17.56M12.09M20.24M19.67M21.96M23.30M22.00M25.50M26.94M24.18M19.64M26.82M
Investing Cash Flow-13.50M-26.12M-7.54M-20.45M-34.90M-35.48M-17.60M-56.64M-48.59M-31.04M-57.26M-62.52M-104.63M-87.85M-9.18M-103.88M-105.20M-101.87M-69.68M-74.83M-113.50M-69.91M-81.70M6.52M15.48M45.13M-229.63M-106.20M-26.25M-37.87M-115.88M
Financing Cash Flow13.96M13.89M16.11M21.59M12.95M30.37M42.49M49.49M5.51M7.84M49.22M64.85M38.47M66.04M-7.54M70.98M96.82M78.74M58.83M35.03M103.07M50.99M69.99M14.14M-51.68M118.94M62.82M12.91M-3.19M9.10M90.56M
Capital Expenditure754.24K1.33M894.00K929.00K1.07M2.02M3.92M2.11M3.02M4.30M2.37M2.47M3.72M2.99M3.04M3.23M2.52M3.58M2.49M2.71M5.13M3.80M2.04M2.31M1.33M1.52M1.59M3.21M4.06M2.11M3.48M
Free Cash Flow2.47M4.32M3.92M-76.00K10.46M4.81M-1.78M4.02M16.85M8.44M15.73M-4.26M56.66M17.67M15.19M23.29M16.34M15.89M21.12M14.85M6.96M16.44M17.63M19.66M21.97M20.48M23.91M23.73M20.12M17.53M23.34M
Dividends Paid1.01M1.19M1.28M1.37M1.93M2.20M2.33M2.58M2.88M3.07M3.25M3.77M4.30M4.87M5.26M5.42M5.77M6.07M6.46M6.84M7.27M7.64M7.99M8.17M8.28M8.52M8.37M8.08M8.22M8.15M8.09M
FCF to OCF76.64%76.43%81.43%-8.91%90.69%70.36%-82.80%65.59%84.81%66.25%86.89%237.90%93.84%85.53%83.35%87.81%86.64%81.62%89.46%84.55%57.59%81.21%89.64%89.51%94.27%93.10%93.75%88.10%83.20%89.28%87.03%
Dividend Paid to FCF40.97%27.50%32.58%-1800.00%18.45%45.72%-131.02%64.35%17.10%36.37%20.68%-88.70%7.60%27.58%34.60%23.28%35.31%38.23%30.57%46.08%104.45%46.51%45.32%41.56%37.70%41.62%35.00%34.06%40.83%46.47%34.64%

Earnings

Report DateDec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jun 30, 2009Sep 30, 2009Dec 31, 2009Mar 31, 2010Jun 30, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017Jun 30, 2017Sep 30, 2017Dec 31, 2017Mar 31, 2018Jun 30, 2018Sep 30, 2018Dec 31, 2018Mar 31, 2019Jun 30, 2019Sep 30, 2019Dec 31, 2019Mar 31, 2020Jun 30, 2020Sep 30, 2020Dec 31, 2020Apr 22, 2021Jul 23, 2021Oct 22, 2021Feb 10, 2022Apr 21, 2022Jul 21, 2022Oct 20, 2022Feb 10, 2023Apr 20, 2023Jul 20, 2023Oct 19, 2023Feb 16, 2024Apr 18, 2024Jul 25, 2024Oct 24, 2024Feb 14, 2025Apr 17, 2025Jul 24, 2025Oct 27, 2025Feb 5, 2026Apr 16, 2026Jul 23, 2026Oct 26, 2026
EPS Estimate---------------------------0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.590.510.500.540.610.580.790.860.800.660.720.690.510.420.450.490.490.590.630.740.670.920.92
EPS Actual0.230.250.300.300.280.230.300.290.320.200.290.330.300.250.250.290.320.250.220.33-0.270.170.290.280.270.260.280.300.300.340.320.340.410.390.440.320.390.410.420.370.420.450.430.440.460.520.510.410.380.430.450.480.390.480.440.340.430.410.460.440.430.520.550.110.380.520.54-0.090.670.570.580.630.620.690.770.830.700.610.580.510.420.460.440.520.570.550.710.640.680.69-
Surprise--------------------------------------------------------------------13.56%11.76%16.00%16.67%1.64%18.97%-2.53%-3.49%-12.50%-7.58%-19.44%-26.09%-17.65%9.52%-2.22%6.12%16.33%-6.78%12.70%-13.51%1.49%-25.00%-
Timing--------------------------------------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hours-

Key Statistics & Ratios

Market Cap288.98M
Enterprise Value392.78M
Trailing P/E13.98
Forward P/E11.22
PEG Ratio0.00
Price / Sales3.47
Price / Book1.17
EPS2.71
Book Value32.60
Revenue (TTM)83.20M
Gross Profit (TTM)83.20M
Profit Margin23.99%
Operating Margin32.33%
Return on Equity8.51%
Return on Assets0.91%
Shares Outstanding7.63M
Shares Float7.05M
Beta0.02
Dividend Yield2.91%
Dividend Rate1.12
Payout Ratio41.18%

Ownership Breakdown

Institutions
21.04%
Insiders
6.42%
Retail / Other
72.54%

Top Institutional Holders

  • Vanguard Capital Management, LLC
    274.05K3.59%
  • BlackRock Inc
    100.20K1.31%
  • Susquehanna International Group, LLP
    94.74K1.24%
  • Geode Capital Management, LLC
    80.40K1.05%
  • Marshall Wace Asset Management Ltd
    53.68K0.70%
  • Vanguard Fiduciary Trust Co
    40.75K0.53%
  • HARBOUR INVESTMENTS, INC.
    32.99K0.43%
  • Victory Capital Management Inc.
    31.00K0.41%
  • Two Sigma Investments LLC
    23.86K0.31%
  • State Street Corp
    22.05K0.29%
  • Qube Research & Technologies
    21.53K0.28%
  • The Goldman Sachs Group Inc
    20.82K0.27%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    209.68K2.75%
  • iShares Russell 2000 ETF
    164.49K2.16%
  • Fidelity Small Cap Index
    75.56K0.99%
  • iShares Russell 2000 Value ETF
    65.89K0.86%
  • Vanguard Russell 2000 ETF
    39.98K0.52%
  • Fidelity Extended Market Index
    34.42K0.45%
  • First Trust Dow Jones Sel MicroCap ETF
    30.26K0.40%
  • iShares Micro-Cap ETF
    24.02K0.31%

Dividends

20263×
0.28Sep 28, 20260.28Jun 26, 20260.28Mar 27, 2026
20254×
0.28Dec 17, 20250.28Sep 26, 20250.28Jun 26, 20250.28Mar 27, 2025
20244×
0.28Dec 16, 20240.28Sep 26, 20240.28Jun 26, 20240.28Mar 26, 2024
20234×
0.28Dec 12, 20230.28Sep 26, 20230.28Jun 27, 20230.28Mar 28, 2023
20224×
0.28Dec 13, 20220.27Sep 27, 20220.27Jun 28, 20220.27Mar 28, 2022
20214×
0.27Dec 13, 20210.27Sep 27, 20210.27Jun 25, 20210.27Mar 25, 2021
20201×
0.27Dec 15, 2020

Stock Splits

  • Mar 11, 200811:10
  • Mar 2, 200611:10