Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides various banking services to businesses, institutions, and individuals and their families.
Flawless balance sheet established dividend payer.
Share Price & News
How has Isabella Bank's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: ISBA has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: ISBA underperformed the US Banks industry which returned -16.6% over the past year.
Return vs Market: ISBA underperformed the US Market which returned 18% over the past year.
Price Volatility Vs. Market
How volatile is Isabella Bank's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Isabella Bank undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: ISBA ($17.05) is trading above our estimate of fair value ($16.77)
Significantly Below Fair Value: ISBA is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: ISBA is poor value based on its PE Ratio (10.7x) compared to the US Banks industry average (10x).
PE vs Market: ISBA is good value based on its PE Ratio (10.7x) compared to the US market (19.3x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate ISBA's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: ISBA is good value based on its PB Ratio (0.6x) compared to the US Banks industry average (0.8x).
How is Isabella Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Isabella Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine Isabella Bank's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Isabella Bank's filings and announcementshere.
- Explore growth companies in the Banks industry.
How has Isabella Bank performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ISBA has high quality earnings.
Growing Profit Margin: ISBA's current net profit margins (22.4%) are lower than last year (24.8%).
Past Earnings Growth Analysis
Earnings Trend: ISBA's earnings have declined by 1.8% per year over the past 5 years.
Accelerating Growth: ISBA's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: ISBA had negative earnings growth (-15.6%) over the past year, making it difficult to compare to the Banks industry average (-3%).
Return on Equity
High ROE: ISBA's Return on Equity (5.7%) is considered low.
How is Isabella Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: ISBA's Assets to Equity ratio (8.7x) is low.
Allowance for Bad Loans: ISBA has a sufficient allowance for bad loans (165%).
Low Risk Liabilities: 85% of ISBA's liabilities are made up of primarily low risk sources of funding.
Loan Level: ISBA has an appropriate level of Loans to Assets ratio (67%).
Low Risk Deposits: ISBA's Loans to Deposits ratio (89%) is appropriate.
Level of Bad Loans: ISBA has an appropriate level of bad loans (0.4%).
What is Isabella Bank current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: ISBA's dividend (6.33%) is higher than the bottom 25% of dividend payers in the US market (1.59%).
High Dividend: ISBA's dividend (6.33%) is in the top 25% of dividend payers in the US market (4.32%)
Stability and Growth of Payments
Stable Dividend: ISBA's dividends per share have been stable in the past 10 years.
Growing Dividend: ISBA's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (67.4%), ISBA's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Jae Evans (63 yo)
Mr. Jae A. Evans serves as Director at United Bankers' Bancorporation, Inc. and United Bankers' Bank since March 2020. Mr. Evans has been the Chief Executive Officer of Isabella Bank Corporation since Janu ...
CEO Compensation Analysis
Compensation vs Market: Jae's total compensation ($USD527.84K) is about average for companies of similar size in the US market ($USD589.30K).
Compensation vs Earnings: Jae's compensation has been consistent with company performance over the past year.
|Chief Financial Officer||2.58yrs||US$293.41k||0.019% |
|VP & Director||3yrs||US$415.30k||0.14% |
|Corporate Secretary||no data||no data||no data|
|President of IBT Title and Insurance Agency Inc||no data||US$134.93k||no data|
|Treasurer||no data||no data||0.15% |
|Vice President||no data||no data||no data|
|Community Relations Officer||no data||no data||no data|
|Assistant Vice President of Auditing||no data||no data||no data|
|Assistant Vice President of Finance and Reporting||no data||no data||no data|
|Assistant Vice President of Bank Secrecy Act/Anti-Money Laundering||no data||no data||no data|
|Marketing Director of Isabella Bank and Assistant Vice President of Isabella Bank||4.33yrs||no data||no data|
Experienced Management: ISBA's management team is considered experienced (4.3 years average tenure).
|VP & Director||3yrs||US$415.30k||0.14% |
|Independent Chairman of the Board||10.25yrs||US$53.75k||0.52% |
|Independent Director||10.58yrs||US$41.75k||1.1% |
|Independent Director||10.58yrs||US$31.55k||2.69% |
|Independent Director||10.58yrs||US$31.55k||0.31% |
|Independent Director||8.08yrs||US$41.95k||0.20% |
|Independent Director||5yrs||US$45.78k||0.22% |
|Independent Director||3yrs||US$39.80k||0.027% |
|Independent Director||0.83yr||US$5.85k||0.015% |
Experienced Board: ISBA's board of directors are considered experienced (7.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: ISBA insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Isabella Bank Corporation's company bio, employee growth, exchange listings and data sources
- Name: Isabella Bank Corporation
- Ticker: ISBA
- Exchange: OTCPK
- Founded: 1903
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$136.027m
- Shares outstanding: 7.98m
- Website: https://www.isabellabank.com
Number of Employees
- Isabella Bank Corporation
- 401 North Main Street
- Mount Pleasant
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|ISBA||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Oct 2003|
Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides various banking services to businesses, institutions, and individuals and their families. Its deposit products ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/15 05:57|
|End of Day Share Price||2020/08/14 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.