ISBA

Isabella Bank Corporation

Financial Services · $278M market cap

Verdict

Share price

$38.12

close of Oct 3, 2026

Fair value

$46.06

Sticker Price

Payback Price

$18.42

buy price

Undervalued

ISBA is Undervalued: at $38.12 it trades 17% below its fair value of $46.06. Its buy price (Payback Price) is $18.42, 52% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth5.4% a year✗
Equity per share growth3.1% a year✗
Sales growth2.6% a year✗
Free cash flow growth1.2% a year✗
Return on invested capital4.7%✗

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Insider activity

Since Jun 16, 2026: 4 open-market purchases worth $1K and 9 other filings (stock awards, tax withholding and similar). Why purchases matter

Purchases

Other filings

About Isabella Bank Corporation

Isabella Bank Corporation serves as the parent company for Isabella Bank, providing a comprehensive suite of banking products and financial services. Its diverse clientele includes businesses, institutions, private individuals, and families. The bank facilitates savings through various deposit options, such as checking and savings accounts, certificates of deposit (CDs), direct deposit services, and money market…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works