Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Isabella Bank Corporation's quarterly P/E stands at 19.5x, up 62.3% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 187.2% YoY to 37.9x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.75 | 19.53 | 12.41 | 11.08 | 11.13 | 12.03 | 12.05 | 9.89 | 11.55 | 10.54 | 9.07 | 8.40 | 8.86 |
| — | +62.3% | +3.0% | +12.1% | -3.6% | +14.2% | +32.8% | +17.7% | +30.4% | +48.9% | +30.6% | -6.5% | -15.0% | |
| P/S Ratio | 2.64 | 2.94 | 2.27 | 2.11 | 1.71 | 1.88 | 1.50 | 1.35 | 1.49 | 1.68 | 1.70 | 1.71 | 2.23 |
| — | +56.5% | +51.3% | +56.3% | +14.6% | +11.6% | -11.6% | -20.9% | -32.9% | -23.2% | -19.1% | -31.6% | -20.3% | |
| P/B Ratio | 1.29 | 1.59 | 1.14 | 1.01 | 0.82 | 0.92 | 0.74 | 0.67 | 0.73 | 0.79 | 0.86 | 0.82 | 0.98 |
| — | +73.1% | +53.7% | +50.0% | +12.3% | +16.3% | -13.5% | -18.1% | -25.9% | -17.6% | -7.1% | -17.3% | -2.9% | |
| P/FCF | 12.67 | 8.66 | 37.59 | 7.70 | 11.81 | 7.33 | 11.75 | 6.67 | 13.91 | 9.82 | 14.38 | 5.72 | 7.47 |
| — | +18.2% | +220.0% | +15.5% | -15.1% | -25.4% | -18.3% | +16.5% | +86.3% | +22.5% | +47.4% | +6.0% | -21.9% | |
| EV / EBITDA | 18.76 | 37.85 | 6.99 | 6.98 | 8.49 | 13.18 | 13.06 | 12.59 | 11.62 | 11.98 | 11.01 | 10.23 | 5.49 |
| — | +187.2% | -46.4% | -44.6% | -26.9% | +10.0% | +18.6% | +23.1% | +111.8% | +73.1% | +129.6% | +46.1% | +8.2% | |
| EV / EBIT | 18.76 | 25.30 | 7.58 | 7.59 | 9.43 | 14.63 | 14.86 | 14.19 | 13.23 | 13.40 | 12.02 | 11.11 | 5.93 |
| — | +72.9% | -49.0% | -46.5% | -28.7% | +9.2% | +23.6% | +27.7% | +123.2% | +81.3% | +133.6% | +46.0% | +6.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Isabella Bank Corporation's operating margin was 15.4% in Q4 2025, down 6.6 pp QoQ and down 3.3 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of 19.9% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 9.6% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.6% | 71.4% | 68.8% | 73.4% | 68.8% | 65.1% | 62.8% | 65.5% | 65.0% | 65.8% | 74.9% | 77.8% | 84.6% |
| — | +9.6% | +9.5% | +12.1% | +5.9% | -1.1% | -16.1% | -15.9% | -23.1% | -28.6% | -20.1% | -14.7% | -8.6% | |
| Operating Margin | 19.8% | 15.4% | 21.9% | 23.4% | 18.9% | 18.7% | 14.6% | 16.2% | 14.9% | 19.0% | 22.8% | 24.5% | 30.1% |
| — | -17.7% | +50.6% | +44.1% | +26.7% | -1.7% | -36.2% | -33.6% | -50.4% | -49.4% | -37.5% | -27.2% | -6.0% | |
| Net Margin | 16.9% | 15.0% | 18.3% | 19.1% | 15.4% | 15.5% | 12.4% | 13.8% | 12.8% | 16.0% | 18.8% | 20.4% | 25.0% |
| — | -3.6% | +47.3% | +38.1% | +19.8% | -2.9% | -33.9% | -32.3% | -48.7% | -48.4% | -37.7% | -26.9% | -6.5% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.6% | 2.0% | 2.3% | 2.3% | 1.9% | 1.9% | 1.6% | 1.7% | 1.6% | 2.0% | 2.4% | 2.4% | 2.8% |
| — | +8.3% | +48.1% | +33.5% | +19.4% | -3.8% | -33.1% | -28.8% | -44.6% | -43.7% | -26.3% | -11.5% | +20.5% | |
| ROA | 0.9% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% |
| — | +10.1% | +50.7% | +39.7% | +23.9% | +4.7% | -25.7% | -24.6% | -41.2% | -41.0% | -25.9% | -12.9% | +11.8% | |
| ROIC | 4.8% | 1.0% | 1.5% | 1.6% | 1.2% | 1.1% | 0.9% | 1.0% | 0.9% | 1.0% | 1.3% | 1.5% | 1.8% |
| — | -8.5% | +68.3% | +52.9% | +28.3% | +9.3% | -26.9% | -29.9% | -49.3% | -51.8% | -37.3% | -13.1% | +27.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Isabella Bank Corporation's Debt/EBITDA ratio is 44.2x, up from 13.4x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 209.5% YoY to 0.43x, strengthening the short-term liquidity position. Debt/Equity has risen for 3 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.62 | 0.62 | 0.40 | 0.33 | 0.36 | 0.54 | 0.45 | 0.59 | 0.36 | 0.57 | 0.79 | 0.64 | 0.32 |
| — | +14.6% | -11.5% | -43.8% | -1.2% | -6.4% | -42.6% | -9.0% | +13.8% | +22.8% | +71.2% | +42.1% | -31.5% | |
| Debt / EBITDA | 6.44 | 44.16 | 13.45 | 10.84 | 14.22 | 21.11 | 22.15 | 25.71 | 17.44 | 22.92 | 25.12 | 20.14 | 8.85 |
| — | +109.2% | -39.3% | -57.8% | -18.5% | -7.9% | -11.8% | +27.6% | +97.0% | +116.1% | +134.8% | +61.5% | -38.9% | |
| Current Ratio | 0.43 | 0.43 | 0.34 | 0.12 | 0.32 | 0.14 | 0.29 | 0.30 | 0.30 | 0.34 | 0.33 | 0.34 | 0.38 |
| — | +209.5% | +16.4% | -59.8% | +5.3% | -58.3% | -11.5% | -11.3% | -20.6% | -6.3% | -14.5% | -7.8% | -5.7% | |
| Quick Ratio | 0.43 | 0.43 | 0.34 | 0.12 | 0.32 | 0.14 | 0.29 | 0.30 | 0.30 | 0.34 | 0.33 | 0.34 | 0.38 |
| — | +209.5% | +16.4% | -59.8% | +5.3% | -58.3% | -11.5% | -11.3% | -20.6% | -6.3% | -14.5% | -7.8% | -5.7% | |
| Interest Coverage | 0.66 | 0.56 | 0.72 | 0.76 | 0.60 | 0.56 | 0.43 | 0.48 | 0.45 | 0.61 | 0.87 | 1.15 | 1.97 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying ISBA stock.
Isabella Bank Corporation's current P/E is 15.7x. The average P/E over the last 4 quarters is 13.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Isabella Bank Corporation's current operating margin is 19.8%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Isabella Bank Corporation's business trajectory between earnings reports.