What is the rating for ISBA stock?

ISABELLA BANK Corp (ISBA) has a "Reduce" rating based on our 6-factor quantitative model. It has a composite score of 47.0 and ranks #2486 out of 7,333 stocks in our coverage universe with a 2-star rating.

Is ISBA a good stock to buy?

Based on our quantitative analysis, ISBA receives a "Reduce" rating with 2 out of 5 stars. Key factors include: Quality score of 33.3, Value score of 51.3, and Momentum score of 58. The timing score is 51, indicating "Neutral" entry conditions. This is not investment advice - please conduct your own research.

What sector is ISBA in?

ISABELLA BANK Corp (ISBA) operates in the Finance, Insurance, And Real Estate sector, specifically in the Banking industry. It has a market capitalization of $0.26 billion.

What is ISBA's P/E ratio?

ISBA has a P/E (Price-to-Earnings) ratio of 21.94x. This helps investors assess whether the stock is trading at a premium or discount relative to its earnings.

Does ISBA pay a dividend?

Yes, ISBA pays a dividend with a current yield of 1.59%.

What is ISBA's market cap?

ISABELLA BANK Corp (ISBA) has a market capitalization of $0.26 billion, making it a micro-cap stock.

What are the risks of investing in ISBA?

Key risk factors for ISBA include: higher volatility, elevated debt levels, notable short interest, and general market risk. As with all investments, there is risk of loss.

How does ISBA compare to peers?

Within the Finance, Insurance, And Real Estate sector, ISBA ranks #2486 overall with a quality score of 33.3/100 and value score of 51.3/100.

What is ISBA's revenue growth?

ISBA has revenue growth of 45.0% year-over-year.

What is ISBA's composite score?

ISABELLA BANK Corp (ISBA) has a composite score of 47.0/100, which places it at rank #2486 out of 7,333 stocks. This score is derived from our proprietary 6-factor quantitative model that evaluates quality, value, momentum, investment efficiency, stability, and short interest.

How does ISBA compare to the S&P 500?

ISBA ranks in the top 66% of all stocks in our coverage universe with a composite score of 47.0.

What are the bull and bear cases for ISBA?

Bull case: ISBA scores highest in momentum at 58/100, indicating strong performance in this area. Bear case: The weakest factor is short interest at 21.9/100, which may present a risk. Our overall assessment is Reduce with 2 out of 5 stars.

Is ISBA overvalued or undervalued?

ISBA appears fairly valued with a value factor score of 51.3/100.

What is ISBA's momentum score?

ISBA has a momentum score of 58/100, placing it in the moderate category.

When is ISBA's next earnings date?

For the latest earnings date and analysis for ISBA, visit our earnings calendar or check the ISBA stock page for real-time updates. Our AI-generated earnings reports provide in-depth analysis after each quarterly report.

Is ISBA a good stock to buy right now?

Based on our 6-factor quantitative model, ISABELLA BANK Corp (ISBA) receives a "Reduce" rating with a composite score of 47.0/100. It is ranked #2486 out of 7,333 stocks. Key factor scores: Quality 33/100, Value 51/100, Momentum 58/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for ISBA?

ISABELLA BANK Corp (ISBA) has a "Reduce" rating and 2-star score. The composite score of 47.0 ranks it #2486 among 7,333 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is ISBA in?

ISABELLA BANK Corp operates in the Finance, Insurance, And Real Estate sector (Banking industry) with a market cap of $259 million. It is classified as a micro-cap stock.

Does ISBA pay a dividend?

Yes, ISBA pays a dividend with a current yield of 1.59%. The Finance, Insurance, And Real Estate sector average yield is 2.01%. For every $1,000 invested, you would receive approximately $15.90 in annual dividend income.

What is ISBA's P/E ratio?

ISBA has a trailing P/E ratio of 21.94x. The Finance, Insurance, And Real Estate sector average is 11.9x. This P/E is in a moderate range relative to the broader market.

How profitable is ISBA?

ISBA's quality factor score is 33/100. Gross margin: 0.0%. ROE: 7.7% vs sector average 9.0%. Margins are moderate to low, reflecting competitive market dynamics.

How is ISBA valued compared to peers?

ISBA's value factor score is 51/100 (higher = cheaper). Key multiples: P/E 21.9x, EV/EBITDA 16.8x. Valuation is roughly in line with peers.

What is ISBA's debt level?

ISBA's debt-to-equity ratio is 894%. Sector average: 1%. Elevated leverage increases credit risk.

ISBA has a beta of -0.06, meaning it is less volatile than the market. Stability score: 43/100.

Does ISBA have high short interest?

ISBA's short interest factor score is 22/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

ISBA Stock Analysis — ISABELLA BANK Corp Price Target & Forecast 2026

IMPORTANT DISCLAIMER: Blank Capital Research ("BCR") is a technology platform, not a registered investment advisor or broker-dealer. The algorithmically generated signals, scores, and rankings provided on this site ("God Mode" Signals) are for informational and research purposes only and do not constitute financial advice, investment recommendations, or an offer to sell or solicit an offer to buy any securities.

HYPOTHETICAL PERFORMANCE RESULTS: The "timing scores" and "regime signals" displayed are based on quantitative models. Hypothetical or simulated performance results have certain inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under-or-over compensated for the impact, if any, of certain market factors, such as lack of liquidity.

RISK OF LOSS: Trading in financial markets involves a high degree of risk and may result in the loss of your entire investment. Data provided by third-party sources (Intrinio, Snowflake) is believed to be reliable but is not guaranteed for accuracy or completeness. Past performance is not indicative of future results.

ISBA Stock Analysis — ISABELLA BANK Corp Price Target & Forecast 2026 | Blank Capital Research

Sector

Finance, Insurance, And Real Estate

Industry

Banking

Market Cap

$259M

Leadership

Pending

Business Summary

Isabella Bank Corporation provides various banking products and services to businesses, institutions, and individuals and their families. Its deposit products include checking accounts, savings accounts, certificates of deposit, direct deposits, and money market accounts. The company's loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans.

Operations

Headcount

330

Location

HQ Base

Pending Verification

Investor Relations

Fundamental Spot Check

Context: 2025

Valuation

Market Cap

$259M

P/E Ratio

21.9xLagging

P/B Ratio

1.69xLagging

P/S Ratio

4.56xLagging

EV/EBITDA

16.8xLagging

Dividend Yield

1.59%

Efficiency & Risk

Gross Margin

0.0%

Operating Margin

25.9%Outperforming

ROE

7.7%Lagging

Rev Growth (YoY)

45.0%

Debt/Equity

894.00xLagging

Beta

-0.06

Red = Sector Laggard

Black = Market Average

Revenue Breakdown

Strategic Timing Audit

WEAK

0/6

Negative Alignment — Extreme Caution

Quantitative Factor Convergence Analysis Verified

Momentum

58th pctl

Intelligence Feed

finance.yahoo.comFeb 5 Negative

Isabella Bank Corporation Reports Fourth Quarter and 2025 Annual Earnings

MOUNT PLEASANT, MI / ACCESS Newswire / February 5, 2026 / Isabella Bank Corporation (Nasdaq:ISBA) ("Isabella" or the "Company") reported net income of $4.7 million, or $0.64 per diluted share, for the fourth quarter 2025 compared to $4.0 million, ...

BenzingaApr 8 Positive

ISABELLA BANK CORPORATION CONTINUES WITH NASDAQ UPLISTING APPLICATION

Isabella Bank Corporation is continuing its efforts to uplist its common shares on the Nasdaq Capital Market, which could provide better access to capital, increased trading volume, and improved means to use its stock as acquisition consideration.

zacks.comFeb 5 Negative

Isabella Bank Corporation (ISBA) Q4 Earnings Miss Estimates

yahooFeb 11 Positive

Undiscovered Gems in the US Market This February 2026

As February 2026 begins, the U.S. stock market is experiencing a strong start with major indices like the Dow Jones and S&P 500 showing significant gains, reflecting a positive investor sentiment despite recent economic uncertainties such as delayed jobs data due to a government shutdown. In this vibrant yet complex environment, identifying promising small-cap stocks requires careful consideration of factors like market resilience and growth potential amidst evolving economic conditions.

BenzingaMay 8 Positive

Isabella Bank Corporation (ISBA) Announces Nasdaq Listing

Isabella Bank Corporation, the holding company for Isabella Bank, announced that its common stock will be listed for trading on The Nasdaq Capital Market under the symbol 'ISBA' starting on May 12, 2025. The company expects the Nasdaq listing to increase the stock's liquidity and visibility to potential investors.

Earnings Call Transcripts

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Financial Intelligence Ledger

Verified SEC Filings Aggregate • ISBA

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Metric Entity	10Y Historical Trend	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Revenue		$70M1.9%	$72M3.2%	$74M11.5%	$67M2.7%	$65M12.7%	$57M2.9%	$59M4.3%	$57M5.2%	$54M4.3%	$52M
Cost of Revenue		$15M5.4%	$14M1.2%	$14M1.1%	$14M4.2%	$14M79.4%	$8M26.6%	$11M1.2%	$11M2.7%	$11M7.2%	$10M
Gross Profit		$56M3.6%	$58M4.2%	$60M14.8%	$53M4.7%	$50M1.8%	$49M2.5%	$48M5.0%	$46M7.3%	$43M3.5%	$41M
R&D Expense	-	—	—	—	—	—	—	—	—	—	—
Operating Expenses		$41M6.5%	$44M5.8%	$47M20.4%	$39M8.2%	$36M13.2%	$41M11.0%	$37M6.2%	$35M10.8%	$32M2.3%	$31M
Operating Income		$15M5.4%	$14M1.2%	$14M1.1%	$14M4.2%	$14M79.4%	$8M26.6%	$11M1.2%	$11M2.7%	$11M7.2%	$10M
Interest Expense		$34M57.4%	$22M307.9%	$5M28.3%	$7M46.4%	$14M22.6%	$18M14.3%	$16M25.1%	$12M15.0%	$11M6.9%	$10M
Tax Provision		$3M31.5%	$4M20.4%	$5M19.7%	$4M289.9%	$987K28.5%	$1M1.2%	$1M54.8%	$3M28.4%	$2M28.6%	$3M
EBITDA		$20M21.6%	$25M18.3%	$31M8.3%	$29M67.2%	$17M12.3%	$19M5.1%	$21M5.7%	$22M2.3%	$22M5.9%	$24M
Net Income		$14M23.5%	$18M18.3%	$22M14.0%	$19M79.1%	$11M16.4%	$13M7.1%	$14M5.9%	$13M4.1%	$14M8.8%	$15M
EPS (Diluted)		$1.8623.1%	$2.4218.0%	$2.9519.0%	$2.4881.0%	$1.3717.0%	$1.657.3%	$1.785.3%	$1.694.5%	$1.779.2%	$1.95

SEC EDGAR Repository

Direct unfiltered access to 10-K, 10-Q and 8-K filings for ISBA.

Open Regulatory Dossier

Data Integrity Notice

Figures adjusted for stock splits and restatements where applicable.

TTM (Trailing Twelve Months) data updates within 48 hours of quarterly filings.

Execution Benchmarks Audit

Revenue Growth

YOY expansion rate

+319% SCTR

45.0%

Sector Avg: 10.7%

Gross Margin

Core pricing power

-100% SCTR

0.0%

Sector Avg: 77.7%

Operating Margin

Operating efficiency

+43% SCTR

25.9%

Sector Avg: 18.1%

Return on Equity

Equity efficiency

-14% SCTR

7.7%

Sector Avg: 9.0%

Debt/Equity

Financial leverage

-168579% SCTR

894.0%

Sector Avg: 0.5%

Dividend Yield

Direct cash return

-21% SCTR

1.6%

Sector Avg: 2.0%

Financial History

Forensic Accounting Audit

Watchlist

Earnings Quality

Earnings well-supported by fundamental cash flows

Asset Efficiencymedium RISK

Material decline in asset turnover efficiency detected

Algorithmic red flag detection based on regulatory SEC filings.

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Dividend Yield

1.59%

Sustainable|TTM Actual

Annual Payout

$0.00B

Aggregate|Common Dividend

Payout Ratio

35%

Sustainable|Estimated

Yield Benchmark Comparison

ISBA Yield1.59%

Sector Average (Finance, Insurance, And Real Estate)2.01%

Annual Dividend History

$0.42

2020

$0.45

2021

$0.48

2022

$0.52

2023

$0.55

2024

$0.60

2025

Shareholder Calendar

Ex-Dividend DatePending

Dividend Amount$0.001

Payment DatePending

Dividend TypeCash

FrequencyQuarterly

Dates updated upon official exchange announcement.

Shareholder Returns

Capital Allocation audit

Smart Money Conviction

Neutral

Synthesized from recent 13F filings, Form 4 insider transactions, and outstanding short interest metrics.

Governance Audit

Weak Index

WeakModerateStrong

Lower quality and stability scores may indicate governance concerns. Verified against factor-based integrity benchmarks.

Executive Operations

Insider alignment Audit

No recent insider transactions available for ISBA

Major Institutional Blocks

Top 5 Holders

Institutional cap table data requires verified 13F filing feeds.

Access SEC 13F Dossier →

Form 4 Filings

Recent Activity

Insider transaction data currently awaiting regulatory verification.

Access SEC Form 4 Dossier →

Regulatory Disclosure Vault

Proxy Statement (DEF 14A)

Exec Comp, Board Nominees, Proposals

Annual Report (10-K)

MD&A, Risk Factors, Strategy

Institutional Holders (13F)

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Insider Liquidity

Short Interest audit

SEC Risk Factors

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Institutional Peer Matrix

Top Finance, Insurance, And Real Estate Universe

Factor Alpha Dispersion: Value vs. Quality

Quadrant I: High Quality / Undervalued

Quadrant III: Low Quality / Expensive

X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = ISBA ANALYSIS TARGET

Stock	Rating	Score▼	Quality	Value	Momentum	P/E	EV/EBITDA	ROE	ROA	Gross Mgn	Op Mgn	Net Mgn	Rev Growth	Div Yield	D/E	Mkt Cap	AUDIT
$SII SPROTT INC.		75	91	87	98	-	-	-	-	-	-	-	-	-	-	$0	VS
$PUK PRUDENTIAL PLC		73	88	97	80	-	-	-	-	-	-	-	-	-	-	$0	VS
$NMR NOMURA HOLDINGS INC		72	81	92	87	-	-	-	-	-	-	-	-	-	-	$0	VS
$PSLV Sprott Physical Silver Trust		69	82	80	98	-	-	-	-	-	-	-	-	-	-	$0	VS
$UFCS UNITED FIRE GROUP INC		68	81	93	76	5.0x	3.5x	13.2%	4.1%	99.9%	14.7%	11.1%	9.2%	2.1%	16.0x	$775M	VS
$SLF SUN LIFE FINANCIAL INC		68	83	95	63	-	-	-	-	-	-	-	-	-	-	$0	VS
$CBOE Cboe Global Markets, Inc.		68	75	63	77	21.3x	15.7x	24.0%	13.7%	41.7%	32.4%	26.4%	8.2%	1.1%	30.0x	$25.7B	VS
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V.		67	69	77	80	-	-	-	-	-	-	-	-	-	-	$0	VS
$PHYS Sprott Physical Gold Trust		67	64	82	91	-	-	-	-	-	-	-	-	-	-	$0	VS
$GLDM World Gold Trust		66	54	85	92	11.3x	11.3x	-	20.9%	100.0%	97.1%	554.8%	-19.0%	0.0%	-	$32.0B	VS
$ISBA ISABELLA BANK Corp		47	33	51	58	21.9x	16.8x	7.7%	0.8%	0.0%	25.9%	20.7%	45.0%	1.6%	894.0x	$259M
SECTOR BENCH	-	-	-	-	-	11.9x	7.8x	9.0%	1.3%	77.7%	18.1%	21.9%	10.7%	2.0%	0.5x	-	REF

Access Full Finance, Insurance, And Real Estate Intelligence Archive →

Lateral Comparison Mesh

$ISBA / $SII AUDIT $ISBA / $PUK AUDIT $ISBA / $NMR AUDIT $ISBA / $PSLV AUDIT $ISBA / $UFCS AUDIT

Market Intelligence FAQ

ISABELLA BANK Corp (ISBA) receives a "Reduce" rating with a composite score of 47.0/100. It ranks #2486 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.

Full Research Publication

Equity Research Analysis: ISABELLA BANK Corp (ISBA)

FEBRUARY 2026|Blank Capital Research Unit|Spot: $50.04

Price$50.04

Composite Score47.0/100

RatingREDUCE (2★)

Rank#2486 OF 7,333

Market Cap$259M

Comments

Institutional Audit

Feb 25, 2026

ISABELLA BANK Corp

47.0

Sector Decomposition auditFinance, Insurance, And Real Estate [N=1000]

Factor	Global	Sector	Tilt
PROFITABILITY	33	59	-26DRAG
MOMENTUM	58	63	-5NEUTRAL
VALUATION	51	70	-19DRAG
INVESTMENT	46	90	-44DRAG
STABILITY	43	39	+4NEUTRAL
SHORT INT	22	8	+14ALPHA

Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.

Executive Summary

ISABELLA BANK Corp receives a Reduce rating from our analysis, with a composite score of 47.0/100 and 2 out of 5 stars, ranking #2486 out of 7,333 stocks. ISBA's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.

Business Quality

ISBA's quality score of 33/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 7.7% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 20.7% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.

Intrinsic Valuation

ISBA's value score of 51/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 21.94x, an EV/EBITDA of 16.81x, a P/B ratio of 1.69x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.

Capital Reinvestment

With an investment score of 46/100, ISBA exhibits moderate growth-oriented spending. Key growth metrics include revenue growth of 45.0% vs. a sector average of 10.7% and a return on assets of 0.8% (sector: 1.3%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.

Market Momentum

ISBA demonstrates moderate momentum with a score of 58/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at 45.0% year-over-year, while a beta of -0.06 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.

Balance Sheet Health

ISBA's stability score of 43/100 signals elevated volatility and/or leverage concerns. Key stability metrics include a beta of -0.06 and a debt-to-equity ratio of 894.00x (sector avg: 0.5x). Investors should be prepared for wider-than-average price swings and consider position sizing accordingly to manage portfolio risk.

Institutional Risk Profile

ISABELLA BANK Corp's short interest score of 22/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include elevated leverage (D/E: 894.00x), micro-cap liquidity risk. At $259M (micro-cap), ISBA carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.

Dividend Intelligence

ISBA offers a modest dividend yield of 1.6%. This compares to a sector average dividend yield of 2.0%. While the income contribution is relatively small, even a small dividend signals management's commitment to shareholder returns and can serve as a signal of financial discipline.

Sector Benchmark Analysis

ISABELLA BANK Corp is a micro-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2486 of 7,333 overall (66th percentile). Key comparisons include ROE of 7.7% trailing the 9.0% sector median and operating margins of 25.9% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.

Comparative Research Mesh

ISBA VS S&P 500 (SPY)TOP FINANCE, INSURANCE, AND REAL ESTATE PEERS

Strategic Alternatives

While ISBA currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.

View Top Finance, Insurance, And Real Estate Alpha →

ISBA

ISABELLA BANK Corp

Business Summary

Operations

Location

Fundamental Spot Check

Valuation

Efficiency & Risk

Intelligence Feed

Isabella Bank Corporation Reports Fourth Quarter and 2025 Annual Earnings

ISABELLA BANK CORPORATION CONTINUES WITH NASDAQ UPLISTING APPLICATION

Isabella Bank Corporation (ISBA) Q4 Earnings Miss Estimates

Undiscovered Gems in the US Market This February 2026

Isabella Bank Corporation (ISBA) Announces Nasdaq Listing

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Yield Benchmark Comparison

Annual Dividend History

Shareholder Calendar

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Factor Alpha Dispersion: Value vs. Quality

Lateral Comparison Mesh

Comments

SEC Risk Factors

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Economic Moat Audit

Economic Value Creation

Margin Superiority

Reinvestment Efficiency

Growth Durability

Financial Resilience

Uncertainty Audit

BEAR THESIS

01Executive Summary

02Strategy & Outlook

Risk / Reward Variance

Research Verdict

Related Stocks

Executive Summary

Business Quality

Intrinsic Valuation

Capital Reinvestment

Market Momentum

Balance Sheet Health

Institutional Risk Profile

Dividend Intelligence

Sector Benchmark Analysis

Comparative Research Mesh

Strategic Alternatives

Factor Dispersion Audit

Sector Variance Findings

Market Intel

Intelligence Feed

Isabella Bank Corporation Reports Fourth Quarter and 2025 Annual Earnings

ISABELLA BANK CORPORATION CONTINUES WITH NASDAQ UPLISTING APPLICATION

Isabella Bank Corporation (ISBA) Q4 Earnings Miss Estimates

Undiscovered Gems in the US Market This February 2026

Isabella Bank Corporation (ISBA) Announces Nasdaq Listing