Trailing Dividend / Share
$1.10
Isabella Bank Corporation (ISBA) Dividend History
Income profile from 1999 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
2.8%
Payout Ratio
42.8%
Sustainable
Dividend Streak
0 years
ISBA Dividend Income Check
Safety
42.8% payout ratio with sustainable safety profile.
Consistency
0 straight years of dividend increases.
Income Trend
Yield on cost is 5.8% and trend is rising.
ISBA Dividend Scorecard
Yield & Income
Dividend Yield2.8%
Trailing DPS$1.10
FrequencySemi-Annual
Payments / 12M5
Payout Safety
Earnings Payout42.8%
Earnings SafetySustainable
FCF Payout34.4%
FCF SafetyWell Covered
Piotroski F-Score8/9
Growth
Growth Streak0 years
3Y CAGR0.9%
5Y CAGR0.7%
Yield on Cost (5Y)5.8%
YOC Trendrising
Total Returns
Buyback Yield1.6%
Total Shareholder Yield4.4%
1Y Total Return6.2%
5Y Total Return97.6%
Div Contribution (5Y)23.9%
Estimated $10K growth (return + dividends):
5Y ago$19,76310Y ago$18,39620Y ago$14,240
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). ISBA's recent 5Y regime has been stronger than its full 10Y period, so 5Y can appear higher than 10Y.
ISBA Income Growth Story
Dividend per share and yield on cost over time (21 years of payments)
ISBA Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Dividend Analysis
Payout Safety
Isabella Bank Corporation distributes 42.8% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 34.4%, rated "Well Covered".
Piotroski F-Score: 8/9 — strong financial health.
Growth Track Record
ISBA does not have a current streak of consecutive dividend increases, with a 3-year CAGR of 0.9% and 5-year CAGR of 0.7%.
Total Shareholder Returns
Beyond cash dividends, ISBA returns capital through share repurchases. The combined picture: 2.8% dividend yield, 1.6% buyback yield, 4.4% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 5.8% and is currently rising. The 5-year total return is 97.6%, with dividends contributing 23.9% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $18,396 today.
ISBA Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$5.55
Avg/Payment$0.2775
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Jun 26, 2026Latest | $0.2800 | — | 2.79% | Jun 30, 2026 |
| Mar 27, 2026 | $0.2800 | — | 2.45% | Mar 31, 2026 |
| Dec 17, 2025 | $0.2800 | — | 2.14% | Dec 19, 2025 |
| Sep 26, 2025 | $0.2800 | — | 3.19% | Sep 30, 2025 |
| Jun 26, 2025 | $0.2800 | — | 3.32% | Jun 30, 2025 |
| Mar 27, 2025 | $0.2800 | — | 4.93% | Mar 31, 2025 |
| Dec 16, 2024 | $0.2800 | — | 4.55% | Dec 18, 2024 |
| Sep 26, 2024 | $0.2800 | — | 5.54% | Sep 30, 2024 |
ISBA Dividend vs Peers
Comparable companies in the same industry
#3 yield in peer group
Div Yield
2.8%
#3 of 9
Safety
Sustainable
42.8% payout
Streak
0Y
0.7% 5Y CAGR
Total Shareholder
4.4%
#6 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
3rd ISBAIsabella Bank Corpor… | $291M | 2.8% | 42.8% | 0 | Sustainable |
 MBWMMercantile Bank Corp… | $932M | 2.7% | 27.0% | 13 | Sustainable |
 CFFIC&F Financial Corpor… | $247M | 2.4% | 22.2% | 1 | Sustainable |
 CZWICitizens Community B… | $213M | 1.7% | 25.0% | 6 | Sustainable |
 BWFGBankwell Financial G… | $449M | 1.4% | 17.8% | 0 | Sustainable |
1st  LKFNLakeland Financial C… | $1.6B | 3.3% | 49.7% | 14 | Sustainable |
2nd  IBCPIndependent Bank Cor… | $704M | 3.0% | 31.5% | 11 | Sustainable |
 UVSPUnivest Financial Co… | $1.2B | 2.1% | 27.9% | 1 | Sustainable |
 CHCOCity Holding Company | $1.8B | 2.6% | 36.2% | 14 | Sustainable |
ISBA Annual Dividend History (1995–2026)
32 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.56 | — | 2 | — | — | — | 2.9% |
| 2025 | $1.12 | 0.0% | 4 | $2.56 | 43.8% | 2.29x | 5.8% |
| 2024 | $1.12 | 0.0% | 4 | $1.86 | 60.2% | 1.66x | 5.8% |
| 2023 | $1.12 | 2.8% | 4 | $2.40 | 46.7% | 2.14x | 5.8% |
| 2022 | $1.09 | 0.9% | 4 | $2.91 | 37.5% | 2.67x | 5.6% |
| 2021 | $1.08 | 0.0% | 4 | $2.45 | 44.1% | 2.27x | 5.6% |
| 2020 | $1.08 | 2.9% | 4 | $1.34 | 80.6% | 1.24x | 5.6% |
| 2019 | $1.05 | 1.0% | 4 | $1.61 | 65.2% | 1.53x | 5.4% |
| 2018 | $1.04 | 2.0% | 4 | $1.74 | 59.8% | 1.67x | 5.3% |
| 2017 | $1.02 | 4.1% | 4 | $1.65 | 61.8% | 1.62x | 5.2% |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
27+ years return with dividends reinvested.
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DCA Calculator
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Peer Comparison
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ISBA — Frequently Asked Questions
Quick answers to the most common questions about buying ISBA stock.
How much dividend does ISBA pay per share?
Isabella Bank Corporation (ISBA) pays a trailing 12-month dividend of $1.10 per share, with a current dividend yield of +2.8%. Payments are made Semi-Annual.
When is ISBA's next ex-dividend date?
ISBA's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. ISBA typically pays dividends Semi-Annual.
Is ISBA's dividend safe?
ISBA's dividend safety is rated "Sustainable" based on an earnings payout ratio of +42.8% and FCF payout ratio of +34.4%. The dividend history does not yet show a prolonged growth streak.
How many years has ISBA increased its dividend?
ISBA has not maintained a consecutive growth streak recently. The 5-year dividend CAGR is +0.7%.
How often does ISBA pay dividends?
Isabella Bank Corporation pays dividends Semi-Annual. The trailing 12-month total is $1.10 per share. Dividend data on this page covers 27+ years from 1999 to 2026.
How much would $10,000 invested in ISBA grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in ISBA five years ago would be worth approximately $19,763 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is ISBA's yield on cost for long-term holders?
ISBA's yield on cost — the current dividend divided by the original purchase price — is +5.8% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +2.8% market yield, thanks to consistent dividend growth.