We’ve recently updated our valuation analysis.

Isabella Bank Valuation

Is ISBA undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for ISBA?

Other financial metrics that can be useful for relative valuation.

ISBA key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio0.6x

Price to Earnings Ratio vs Peers

How does ISBA's PE Ratio compare to its peers?

ISBA PE Ratio vs Peers
The above table shows the PE ratio for ISBA vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average10.8x
LCNB LCNB
8.3x4.1%US$170.4m
HONT Honat Bancorp
18.5xn/aUS$183.9m
MLGF Malaga Financial
9.8xn/aUS$191.3m
CFFI C&F Financial
6.7xn/aUS$175.1m
ISBA Isabella Bank
9x15.4%US$174.7m

Price-To-Earnings vs Peers: ISBA is good value based on its Price-To-Earnings Ratio (9x) compared to the peer average (10.8x).


Price to Earnings Ratio vs Industry

How does ISBA's PE Ratio compare vs other companies in the US Banks Industry?

Price-To-Earnings vs Industry: ISBA is good value based on its Price-To-Earnings Ratio (9x) compared to the US Banks industry average (9.7x)


Price to Earnings Ratio vs Fair Ratio

What is ISBA's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

ISBA PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio9x
Fair PE Ratio13.3x

Price-To-Earnings vs Fair Ratio: ISBA is good value based on its Price-To-Earnings Ratio (9x) compared to the estimated Fair Price-To-Earnings Ratio (13.3x).


Share Price vs Fair Value

What is the Fair Price of ISBA when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: ISBA ($23.12) is trading below our estimate of fair value ($33.35)

Significantly Below Fair Value: ISBA is trading below fair value by more than 20%.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


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