ISBA
Isabella Bank Corporation [ISBA] Stock Forecast
Buy or Sell ? Support and Resistance
What is MACD and how to read it?
How RSI can help?
RSI : 000
ISBA Stock Summary
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ISBA
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ISBA Financial details
Company Rating
Buy
Market Cap
139.26M
Income
18.17M
Revenue
80.74M
Book val./share
27.61
Cash/share
76.64
Dividend
1.12
Dividend %
5.19%
Employees
356
Optionable
No
Shortable
Yes
Earnings
18 Apr 2024
P/E
7.83
Forward P/E
-
PEG
-4.44
P/S
2.16
P/B
0.87
P/C
0.24
P/FCF
7.65
Quick Ratio
38.94
Current Ratio
2.83
Debt / Equity
0.57
LT Debt / Equity
0.34
-
-
EPS (TTM)
2.43
EPS next Y
-
EPS next Q
-
EPS this Y
-17.97%
EPS next Y
-
EPS next 5Y
-
EPS last 5Y
7.96%
Revenue last 5Y
10.21%
Revenue Q/Q
19.95%
EPS Q/Q
-11.86%
-
-
-
-
SMA20
-2.44%
SMA50
-14.15%
SMA100
-8.19%
Inst Own
0.01%
Inst Trans
0.76%
ROA
1%
ROE
11%
ROC
0.01%
Gross Margin
100%
Oper. Margin
39%
Profit Margin
28%
Payout
40%
Shs Outstand
-
Shs Float
-
-
-
-
-
Target Price
-
52W Range
18.05-24.0
52W High
-24.17%
52W Low
+1.11%
RSI
38.9
Rel Volume
0.3
Avg Volume
2.97K
Volume
882
Perf Week
-1.25%
Perf Month
-7.05%
Perf Quarter
-12.08%
Perf Half Y
-12.08%
-
-
-
-
Beta
0.268
-
-
Volatility
0.2%, 0.45%
Prev Close
0.55%
Price
18.2
Change
-0.82%
ISBA Financial Performance
Yearly Fundamentals Overview
Last date of statement is 2023-12-31
| Metric | History | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 |
|---|---|---|---|---|---|---|
| 2.02K | 2.02K | 2.02K | 2.02K | 2.02K | ||
| Revenue per share | 7.27 | 8.14 | 8.13 | 9.44 | 12.44 | |
| Net income per share | 1.65 | 1.37 | 2.48 | 2.95 | 2.42 | |
| Operating cash flow per share | 2.95 | 2.76 | 3.25 | 3.57 | 3.06 | |
| Free cash flow per share | 2.78 | 2.57 | 3.04 | 3.14 | 2.52 | |
| Cash per share | 62 | 73.6 | 75.88 | 82.04 | 74.79 | |
| Book value per share | 26.57 | 27.46 | 26.87 | 24.66 | 26.95 | |
| Tangible book value per share | 20.46 | 21.39 | 20.72 | 18.27 | 20.52 | |
| Share holders equity per share | 26.57 | 27.46 | 26.87 | 24.66 | 26.95 | |
| Interest debt per share | 44.1 | 27.96 | 16.14 | 12.23 | 15.78 | |
| Market cap | 192.29M | 155.77M | 200.26M | 177.42M | 161.5M | |
| Enterprise value | 376.72M | -868.57K | 144.09M | 167.74M | 243.96M | |
| P/E ratio | 14.76 | 14.31 | 10.27 | 7.98 | 8.89 | |
| Price to sales ratio | 3.35 | 2.4 | 3.14 | 2.49 | 1.73 | |
| POCF ratio | 8.25 | 7.08 | 7.85 | 6.59 | 7.02 | |
| PFCF ratio | 8.75 | 7.61 | 8.38 | 7.48 | 8.52 | |
| P/B Ratio | 0.91 | 0.71 | 0.95 | 0.95 | 0.8 | |
| PTB ratio | 0.91 | 0.71 | 0.95 | 0.95 | 0.8 | |
| EV to sales | 6.55 | -0.01 | 2.26 | 2.35 | 2.61 | |
| Enterprise value over EBITDA | 21.29 | -0.06 | 5.48 | 4.88 | 123.15 | |
| EV to operating cash flow | 16.17 | -0.04 | 5.65 | 6.23 | 10.6 | |
| EV to free cash flow | 17.15 | -0.04 | 6.03 | 7.07 | 12.87 | |
| Earnings yield | 0.07 | 0.07 | 0.1 | 0.13 | 0.11 | |
| Free cash flow yield | 0.11 | 0.13 | 0.12 | 0.13 | 0.12 | |
| Debt to equity | 1.57 | 0.95 | 0.57 | 0.47 | 0.57 | |
| Debt to assets | 0.18 | 0.11 | 0.06 | 0.04 | 0.06 | |
| Net debt to EBITDA | 10.42 | -10.41 | -2.14 | -0.28 | 41.63 | |
| Current ratio | 35.08 | 43.18 | 53.79 | 51.15 | 0.05 | |
| Interest coverage | 0.81 | 0.86 | 3.15 | 6.05 | 33.85 | |
| Income quality | 1.79 | 2.02 | 1.31 | 1.21 | 1.27 | |
| Dividend Yield | 0.04 | 0.05 | 0.04 | 0.05 | 0.05 | |
| Payout ratio | 0.64 | 0.78 | 0.43 | 0.36 | 0.45 | |
| Sales general and administrative to revenue | 0.42 | 0.39 | 0.39 | 0.37 | 0.3 | |
| Research and developement to revenue | 0 | 0 | 0 | 0 | 0 | |
| Intangibles to total assets | 0.03 | 0.02 | 0.02 | 0.02 | 0.02 | |
| Capex to operating cash flow | -0.06 | -0.07 | -0.06 | -0.12 | -0.18 | |
| Capex to revenue | -0.02 | -0.02 | -0.02 | -0.04 | -0.04 | |
| Capex to depreciation | -0.41 | -0.48 | -0.54 | -1.47 | -2.05 | |
| Stock based compensation to revenue | 0.01 | 0.01 | 0.01 | 0 | 0 | |
| Graham number | 31.38 | 29.07 | 38.75 | 40.43 | 38.29 | |
| ROIC | 0.02 | 0.03 | 0.06 | 0.1 | 0.21 | |
| Return on tangible assets | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |
| Graham Net | -144.44 | -160.15 | -161.19 | -161.97 | -170.17 | |
| Working capital | 482.75M | 579.02M | 604.46M | 640.23M | -754.69M | |
| Tangible asset value | 161.8M | 170.26M | 162.75M | 137.92M | 154.12M | |
| Net current asset value | -1.11B | -1.15B | -1.21B | -1.19B | -1.82B | |
| Invested capital | 1.57 | 0.95 | 0.57 | 0.47 | 0.57 | |
| Average receivables | 6.71M | 6.69M | 13.43M | 26.78M | 34.36M | |
| Average payables | 11.48M | 13.95M | 12.59M | 12.11M | 6.38M | |
| Average inventory | -33.76M | -160.79M | -182.7M | -79.09M | -28.17M | |
| Days sales outstanding | 41.28 | 38.78 | 114.2 | 172.09 | 137.2 | |
| Days payables outstanding | 0 | 0 | 0 | 0 | 0 | |
| Days of inventory on hand | 0 | 0 | 0 | 0 | 0 | |
| Receivables turnover | 8.84 | 9.41 | 3.2 | 2.12 | 2.66 | |
| Payables turnover | 0 | 0 | 0 | 0 | 0 | |
| Inventory turnover | 0 | 0 | 0 | 0 | 0 | |
| ROE | 0.06 | 0.05 | 0.09 | 0.12 | 0.09 | |
| Capex per share | -0.17 | -0.19 | -0.2 | -0.42 | -0.54 |
Quarterly Fundamentals Overview
Last date of statement is 2023-12-31 for Q4
| Metric | History | 2022-12-31 | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 |
|---|---|---|---|---|---|---|
| 2.02K | 2.02K | 2.02K | 2.02K | 2.02K | ||
| Revenue per share | 2.53 | 2.39 | 2.35 | 2.73 | 3.35 | |
| Net income per share | 0.85 | 0.7 | 0.62 | 0.59 | 0.52 | |
| Operating cash flow per share | 0.88 | 1 | 0.98 | 0.47 | 0.69 | |
| Free cash flow per share | 0.75 | 0.84 | 0.9 | 0.33 | 0.53 | |
| Cash per share | 83.65 | 78.16 | 74.73 | 84.42 | 76.64 | |
| Book value per share | 25.15 | 25.58 | 25.13 | 24.7 | 27.61 | |
| Tangible book value per share | 18.63 | 25.58 | 25.13 | 24.7 | 21.02 | |
| Share holders equity per share | 25.15 | 25.58 | 25.13 | 24.7 | 27.61 | |
| Interest debt per share | 11.97 | 8.54 | 24.17 | 29.06 | 15.94 | |
| Market cap | 174.01M | 187.4M | 153.72M | 157.77M | 157.62M | |
| Enterprise value | 164.33M | 194.68M | 208.13M | 136.21M | 240.08M | |
| P/E ratio | 6.88 | 8.8 | 8.3 | 8.94 | 10.36 | |
| Price to sales ratio | 9.28 | 10.39 | 8.71 | 7.7 | 6.41 | |
| POCF ratio | 26.74 | 24.76 | 20.85 | 44.86 | 31.11 | |
| PFCF ratio | 31.17 | 29.56 | 22.68 | 64.34 | 40.5 | |
| P/B Ratio | 0.93 | 0.97 | 0.82 | 0.85 | 0.78 | |
| PTB ratio | 0.93 | 0.97 | 0.82 | 0.85 | 0.78 | |
| EV to sales | 8.76 | 10.8 | 11.79 | 6.65 | 9.77 | |
| Enterprise value over EBITDA | 16.69 | 20.18 | 37.51 | 25.46 | 483.06 | |
| EV to operating cash flow | 25.25 | 25.72 | 28.23 | 38.73 | 47.38 | |
| EV to free cash flow | 29.44 | 30.71 | 30.71 | 55.55 | 61.69 | |
| Earnings yield | 0.04 | 0.03 | 0.03 | 0.03 | 0.02 | |
| Free cash flow yield | 0.03 | 0.03 | 0.04 | 0.02 | 0.02 | |
| Debt to equity | 0.47 | 0.32 | 0.94 | 1.14 | 0.57 | |
| Debt to assets | 0.04 | 0.03 | 0.09 | 0.1 | 0.06 | |
| Net debt to EBITDA | -0.98 | 0.75 | 9.81 | -4.03 | 165.92 | |
| Current ratio | 51.15 | 37.95 | 33.75 | 2.83 | 0.05 | |
| Interest coverage | 5.67 | 2.82 | 1.15 | 0.87 | 31 | |
| Income quality | 1.03 | 1.42 | 1.59 | 0.8 | 1.33 | |
| Dividend Yield | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |
| Payout ratio | 0.33 | 0.39 | 0.44 | 0.47 | 0.54 | |
| Sales general and administrative to revenue | 0.36 | 0.39 | 0.4 | 0.34 | 0.27 | |
| Research and developement to revenue | 0 | 0 | 0 | 0 | 0 | |
| Intangibles to total assets | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | |
| Capex to operating cash flow | -0.14 | -0.16 | -0.08 | -0.3 | -0.23 | |
| Capex to revenue | -0.05 | -0.07 | -0.03 | -0.05 | -0.05 | |
| Capex to depreciation | -1.76 | -2.39 | -1.07 | -2.1 | -2.36 | |
| Stock based compensation to revenue | 0 | 0.02 | 0.01 | 0.01 | -0.02 | |
| Graham number | 21.98 | 20.13 | 18.68 | 18.09 | 17.95 | |
| ROIC | 0.03 | 0.03 | 0.01 | 0.01 | 0.06 | |
| Return on tangible assets | 0 | 0 | 0 | 0 | 0 | |
| Graham Net | -165.15 | -175.58 | -171.26 | -180.48 | -174.36 | |
| Working capital | 640.23M | 609.66M | 578.99M | 31.61M | -754.69M | |
| Tangible asset value | 137.92M | 145.05M | 140.15M | 136.84M | 154.12M | |
| Net current asset value | -1.19B | -1.27B | -1.26B | -1.88B | -1.82B | |
| Invested capital | 0.47 | 0.32 | 0.94 | 1.14 | 0.57 | |
| Average receivables | 34.18M | 34.56M | 35.91M | 37.62M | 37.04M | |
| Average payables | 13.7M | 14.63M | 17.09M | 17.46M | 8.63M | |
| Average inventory | -76.08M | -76.17M | -70.57M | -99.17M | -86.1M | |
| Days sales outstanding | 161.16 | 177.34 | 184.98 | 171.15 | 128.67 | |
| Days payables outstanding | 0 | 0 | 0 | 0 | 0 | |
| Days of inventory on hand | 0 | 0 | 0 | 0 | 0 | |
| Receivables turnover | 0.56 | 0.51 | 0.49 | 0.53 | 0.7 | |
| Payables turnover | 0 | 0 | 0 | 0 | 0 | |
| Inventory turnover | 0 | 0 | 0 | 0 | 0 | |
| ROE | 0.03 | 0.03 | 0.02 | 0.02 | 0.02 | |
| Capex per share | -0.13 | -0.16 | -0.08 | -0.14 | -0.16 |
ISBA Frequently Asked Questions
What is Isabella Bank Corporation stock symbol ?
Isabella Bank Corporation is a US stock , located in Mount pleasant of Mi and trading under the symbol ISBA
What is Isabella Bank Corporation stock quote today ?
Isabella Bank Corporation stock price is $18.2 today.
Is Isabella Bank Corporation stock public?
Yes, Isabella Bank Corporation is a publicly traded company.
Company Profile
- Volume Average 2.97K
- Market Capitalization 139.26M
- Employee 356
- CEO Mr. Jerome E. Schwind
- Headquarters Mount Pleasant,MI,US
- IPO Date 2006-01-30
-
Website
https://www.isabellabank.com 
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.
