Isabella Bank Corporation (ISBA) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
18.55
↑+47% vs avg
5yr avg: 12.61
30Y Low4.7·High62.6
P/FCF
↑
12.47
↑+22% vs avg
5yr avg: 10.21
30Y Low4.8·High34.2
P/B Ratio
↑
1.27
↑+21% vs avg
5yr avg: 1.05
30Y Low0.7·High2.5
ROE
↓
8.6%
-5% vs avg
5yr avg: 9.0%
30Y Low3%·High13%
Debt/EBITDA
↑
6.44
↑+33% vs avg
5yr avg: 4.84
30Y Low0.7·High35.2
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
ISBA Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Isabella Bank Corporation trades at 15.5x earnings, 27% above its 5-year average of 12.2x, sitting at the 55th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 14%. On a free-cash-flow basis, the stock trades at 12.5x P/FCF, 22% above the 5-year average of 10.2x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $291M | $369M | $194M | $163M | $180M | $203M | $159M | $197M | $182M | $227M | $223M |
| Enterprise Value | $411M | $489M | $283M | $245M | $228M | $197M | $71M | $412M | $449M | $541M | $538M |
| P/E Ratio → | 15.51 | 19.53 | 13.97 | 8.96 | 8.08 | 10.41 | 14.60 | 15.10 | 12.97 | 17.12 | 16.10 |
| P/S Ratio | 2.60 | 3.29 | 1.91 | 1.79 | 2.35 | 2.85 | 2.09 | 2.58 | 2.51 | 3.37 | 3.58 |
| P/B Ratio | 1.27 | 1.59 | 0.92 | 0.80 | 0.97 | 0.96 | 0.73 | 0.94 | 0.93 | 1.16 | 1.19 |
| P/FCF | 12.47 | 15.81 | 11.09 | 8.10 | 7.57 | 8.50 | 7.75 | 8.96 | 9.26 | 12.87 | 13.55 |
| P/OCF | 10.86 | 13.76 | 9.90 | 6.73 | 6.67 | 7.97 | 7.21 | 8.44 | 8.29 | 11.54 | 11.01 |
P/E links to full P/E history page with 30-year chart
ISBA EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Isabella Bank Corporation's enterprise value stands at 18.6x EBITDA, 47% above its 5-year average of 12.6x. The Financial Services sector median is 11.4x, placing the stock at a 62% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 4.36 | 2.78 | 2.70 | 2.98 | 2.77 | 0.93 | 5.40 | 6.19 | 8.03 | 8.65 |
| EV / EBITDA | 18.55 | 22.07 | 15.31 | 10.30 | 7.88 | 7.50 | 4.70 | 23.30 | 24.09 | 27.58 | 27.53 |
| EV / EBIT | 18.55 | 22.07 | 17.25 | 11.24 | 8.49 | 8.44 | 5.96 | 28.62 | 29.18 | 33.29 | 33.29 |
| EV / FCF | — | 20.93 | 16.14 | 12.19 | 9.60 | 8.25 | 3.45 | 18.76 | 22.84 | 30.69 | 32.71 |
ISBA Profitability
Margins and return-on-capital ratios measuring operating efficiency
Isabella Bank Corporation earns an operating margin of 19.8%, roughly in line with the Financial Services sector average. Operating margins have compressed from 24.1% to 19.8% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 8.6% is modest, trailing the sector median of 9.0%. ROIC of 4.8% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.6% | 70.6% | 64.6% | 75.4% | 92.4% | 90.3% | 79.6% | 76.6% | 77.1% | 81.1% | 82.7% |
| Operating Margin | 19.8% | 19.8% | 16.1% | 24.1% | 35.1% | 32.8% | 15.7% | 18.9% | 21.2% | 24.1% | 26.0% |
| Net Profit Margin | 16.9% | 16.9% | 13.7% | 20.0% | 29.0% | 27.4% | 14.4% | 17.1% | 19.3% | 19.7% | 22.2% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.6% | 8.6% | 6.7% | 9.3% | 11.2% | 9.1% | 5.1% | 6.4% | 7.2% | 6.9% | 7.4% |
| ROA | 0.9% | 0.9% | 0.7% | 0.9% | 1.1% | 1.0% | 0.6% | 0.7% | 0.8% | 0.7% | 0.8% |
| ROIC | 4.8% | 4.8% | 3.8% | 5.5% | 6.9% | 5.1% | 2.1% | 2.1% | 2.1% | 2.3% | 2.4% |
| ROCE | 3.4% | 3.4% | 5.7% | 8.7% | 11.3% | 8.2% | 3.1% | 3.0% | 3.2% | 3.5% | 3.8% |
ISBA Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Isabella Bank Corporation carries a Debt/EBITDA ratio of 6.4x, which is highly leveraged (51% above the sector average of 4.3x). Net debt stands at $120M ($143M total debt minus $23M cash). Interest coverage of just 0.7x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.62 | 0.62 | 0.54 | 0.57 | 0.47 | 0.47 | 0.73 | 1.31 | 1.74 | 1.77 | 1.80 |
| Debt / EBITDA | 6.44 | 6.44 | 6.11 | 4.88 | 3.01 | 3.78 | 10.55 | 15.60 | 18.26 | 17.58 | 17.30 |
| Net Debt / Equity | — | 0.52 | 0.42 | 0.41 | 0.26 | -0.03 | -0.40 | 1.02 | 1.36 | 1.61 | 1.68 |
| Net Debt / EBITDA | 5.40 | 5.40 | 4.79 | 3.46 | 1.66 | -0.23 | -5.84 | 12.18 | 14.32 | 16.01 | 16.12 |
| Debt / FCF | — | 5.12 | 5.05 | 4.10 | 2.03 | -0.25 | -4.29 | 9.81 | 13.57 | 17.81 | 19.15 |
| Interest Coverage | 0.66 | 0.66 | 0.48 | 1.01 | 5.05 | 3.15 | 0.86 | 0.81 | 0.98 | 1.30 | 1.49 |
ISBA Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.43x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.34x to 0.43x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.43 | 0.43 | 0.14 | 0.34 | 0.36 | 0.35 | 0.37 | 0.37 | 0.43 | 0.44 | 0.46 |
| Quick Ratio | 0.43 | 0.43 | 0.14 | 0.34 | 0.36 | 0.35 | 0.37 | 0.37 | 0.43 | 0.44 | 0.46 |
| Cash Ratio | 0.02 | 0.02 | 0.01 | 0.02 | 0.02 | 0.06 | 0.15 | 0.04 | 0.05 | 0.02 | 0.02 |
| Asset Turnover | — | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
ISBA Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Isabella Bank Corporation returns 4.4% to shareholders annually — split between a 2.8% dividend yield and 1.6% buyback yield. A payout ratio of 42.8% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 6.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.8% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 42.8% | 42.8% | 58.7% | 45.2% | 36.3% | 42.9% | 78.3% | 63.6% | 58.3% | 60.4% | 55.4% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.4% | 5.1% | 7.2% | 11.2% | 12.4% | 9.6% | 6.8% | 6.6% | 7.7% | 5.8% | 6.2% |
| FCF Yield | 8.0% | 6.3% | 9.0% | 12.4% | 13.2% | 11.8% | 12.9% | 11.2% | 10.8% | 7.8% | 7.4% |
| Buyback Yield | 1.6% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 4.4% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $7M | $7M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $8M |
Peer Comparison
Compare ISBA with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 ISBAYou | $291M | 15.5 | 18.6 | 12.5 | 70.6% | 19.8% | 8.6% | 4.8% | 6.4 |
 MBWM | $932M | 9.9 | 12.1 | 83.2 | 64.0% | 27.5% | 13.6% | 5.5% | 7.8 |
 CFFI | $247M | 9.1 | 10.5 | 11.1 | 69.5% | 17.8% | 11.0% | 6.8% | 3.5 |
 CZWI | $213M | 15.2 | 16.4 | 20.5 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 BWFG | $449M | 12.6 | 7.7 | 17.2 | 51.6% | 23.3% | 12.3% | 8.0% | 3.4 |
 LKFN | $2B | 15.0 | 13.0 | 15.1 | 61.0% | 29.8% | 14.3% | 11.6% | 1.4 |
 IBCP | $704M | 10.5 | 9.5 | 10.0 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 UVSP | $1B | 13.3 | 8.3 | 12.4 | 61.0% | 21.9% | 9.9% | 6.5% | 2.9 |
 CHCO | $2B | 14.3 | 12.8 | 14.3 | 79.0% | 41.5% | 16.9% | 9.6% | 3.0 |
 FIS | $19B | 50.3 | 6.3 | 6.9 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 FISV | $25B | 7.4 | 6.0 | 5.8 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 30 years · Updated daily
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ISBA — Frequently Asked Questions
Quick answers to the most common questions about buying ISBA stock.
What is Isabella Bank Corporation's P/E ratio?
Isabella Bank Corporation's current P/E ratio is 15.5x. The historical average is 18.5x. This places it at the 55th percentile of its historical range.
What is Isabella Bank Corporation's EV/EBITDA?
Isabella Bank Corporation's current EV/EBITDA is 18.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 22.6x.
What is Isabella Bank Corporation's ROE?
Isabella Bank Corporation's return on equity (ROE) is 8.6%. The historical average is 8.6%.
Is ISBA stock overvalued?
Based on historical data, Isabella Bank Corporation is trading at a P/E of 15.5x. This is at the 55th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Isabella Bank Corporation's dividend yield?
Isabella Bank Corporation's current dividend yield is 2.76% with a payout ratio of 42.8%.
What are Isabella Bank Corporation's profit margins?
Isabella Bank Corporation has 70.6% gross margin and 19.8% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Isabella Bank Corporation have?
Isabella Bank Corporation's Debt/EBITDA ratio is 6.4x, indicating high leverage. A ratio above 4x may signal elevated financial risk.