/ISBA

ISBA Stock - Isabella Bank Corporation

Q: What is the analyst price target for ISBA?

Analyst price target information is not currently available for ISBA.

Q: What is ISBA's market cap?

Market capitalization information is not currently available for ISBA.

Financial Services|Banks - Regional|NASDAQ

$49.59+2.17%

+$1.05 (+2.17%) • Jan 13

GoAI Score

Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.

HOLD

Medium Confidence

Momentum

Momentum Score

Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.

Sentiment

Sentiment Score

Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).

Risk Score

Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.

100

Price Target

Average analyst price target from the last quarter. Shows expected upside/downside from current price.

+-43.5%upside

Target: $28.02

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Financial Statements

Revenue & Profitability Trend

FY2020

FY2021

FY2022

FY2023

FY2024

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Revenue

Net Income (Profit)

Net Loss

Key Metrics

Market CapN/A

P/E RatioN/A

Beta0.12

52W High$58.83

52W Low$21.50

Avg VolumeN/A

Income Statement (Fiscal Year)

Metric	FY2024	FY2023	FY2022	FY2021	FY2020
Revenue	$101.71M	$90.76M	$76.55M	$71.28M	$75.75M
Gross Profit	$65.69M	$68.45M	$70.75M	$64.38M	$60.26M
Gross Margin	64.6%	75.4%	92.4%	90.3%	79.6%
Operating Income	$16.40M	$21.83M	$26.84M	$23.35M	$11.87M
Net Income	$13.89M	$18.17M	$22.24M	$19.50M	$10.88M
Net Margin	13.7%	20.0%	29.0%	27.4%	14.4%
EPS	$1.86	$2.42	$2.95	$2.48	$1.37

Company Overview

Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides various banking products and services to businesses, institutions, and individuals and their families. Its deposit products include checking accounts, savings accounts, certificates of deposit, direct deposits, and money market accounts. The company's loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans, including secured and unsecured personal loans. It also offers cash management, mobile and internet banking, electronic bill pay, automated teller machines, trust and investment, estate planning, and safe deposit box rental services; and group life, health, accident, disability, and other insurance products, as well as other employee benefit programs. As of December 31, 2021, the company operated 30 banking offices in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. Isabella Bank Corporation was founded in 1903 and is headquartered in Mount Pleasant, Michigan.

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Rating Distribution

Strong Buy

Buy / Outperform

Hold / Neutral

100%

Sell / Underperform

Analyst Consensus🔴 Bearish

0 Bullish1 Neutral/Bearish

Price Targets

$20

Average Target

↓ 59.7% Downside

Now

$20

Low

$20

Average

$20

High

Based on 1 analyst

Recent Analyst Actions

Date	Firm	Action	Rating	Price Target
April 11th 2024	Piper Sandler	Resumed	Neutral	$20

Earnings History & Surprises

ISBA

Beat Rate

44%

Last 18 quarters

Avg Surprise

+0.5%

EPS vs Estimate

Beats / Misses

8/7

3 met exactly

Latest EPS

$0.71

Q4 2025

EPS Surprise History

Q1 24

-26.1%

$0.51vs$0.69

Q2 24

-17.6%

$0.42vs$0.51

Q3 24

+9.5%

$0.46vs$0.42

Q4 24

-2.2%

$0.44vs$0.45

Q1 25

+6.1%

$0.52vs$0.49

Q2 25

+9.6%

$0.57vs$0.52

Q3 25

0.0%

$0.55vs$0.55

Q4 25

+18.3%

$0.71vs$0.60

Beat Estimate

Missed Estimate

Quarterly EPS Details

Period	Report Date	Estimated EPS	Actual EPS	Surprise	Result
Q2 2026	Apr 15, 2026	—	—	—	—
Q1 2026	Jan 29, 2026	$0.74	—	—	—
Q4 2025	Oct 27, 2025	$0.60	$0.71	+18.3%	✓ BEAT
Q3 2025	Jul 24, 2025	$0.55	$0.55	0.0%	= MET
Q2 2025	Apr 17, 2025	$0.52	$0.57	+9.6%	✓ BEAT
Q1 2025	Jan 30, 2025	$0.49	$0.52	+6.1%	✓ BEAT
Q4 2024	Oct 24, 2024	$0.45	$0.44	-2.2%	✗ MISS
Q3 2024	Jul 25, 2024	$0.42	$0.46	+9.5%	✓ BEAT
Q2 2024	Apr 18, 2024	$0.51	$0.42	-17.6%	✗ MISS
Q1 2024	Feb 16, 2024	$0.69	$0.51	-26.1%	✗ MISS
Q4 2023	Oct 19, 2023	$0.72	$0.58	-19.4%	✗ MISS
Q3 2023	Jul 21, 2023	$0.66	$0.61	-7.6%	✗ MISS
Q2 2023	Apr 20, 2023	$0.80	$0.70	-12.5%	✗ MISS
Q1 2023	Feb 10, 2023	$0.83	$0.83	0.0%	= MET
Q4 2022	Oct 20, 2022	$0.79	$0.77	-2.5%	✗ MISS
Q3 2022	Jul 21, 2022	$0.58	$0.69	+19.0%	✓ BEAT
Q2 2022	Apr 21, 2022	$0.61	$0.62	+1.6%	✓ BEAT
Q1 2022	Feb 10, 2022	$0.54	$0.63	+16.7%	✓ BEAT
Q4 2021	Oct 22, 2021	$0.50	$0.58	+16.0%	✓ BEAT
Q3 2021	Jul 23, 2021	$0.57	$0.57	0.0%	= MET

Frequently Asked Questions about ISBA

What is ISBA's current stock price?

Isabella Bank Corporation (ISBA) is currently trading at $49.59 per share. The stock has moved +2.17% today.

What is the analyst price target for ISBA?

The average analyst price target for ISBA is $28.00, based on 1 analyst.

What sector is Isabella Bank Corporation in?

Isabella Bank Corporation operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NASDAQ exchange.

What is ISBA's market cap?

Isabella Bank Corporation has a market capitalization of $0.37 billion, making it a small-cap company.

Does ISBA pay dividends?

No, Isabella Bank Corporation does not currently pay a dividend to shareholders.