Stocktoria
ISABELLA BANK CORP ISBA
ISABELLA BANK CORP (ISBA) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 1.10% (safety: moderate).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| ISBA | ISABELLA BANK CORP | 5/9 | — | 38.8 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About ISABELLA BANK CORP
Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides banking and wealth management services to businesses, institutions, and individuals and their families in Michigan, the United States. The company offers deposit products, including checking and savings accounts; and certificates of deposit, direct deposits, and cash management services. Its loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans, including secured and unsecured personal loans. In addition, the company provides mobile and internet banking, investment management, trust and estate services, automated teller machines, and insurance products. Isabella Bank Corporation was founded in 1903 and is headquartered in Mount Pleasant, Michigan.
FAQ
Is ISBA financially healthy?
ISABELLA BANK CORP's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does ISBA pay a dividend, and is it safe?
Yes. ISABELLA BANK CORP pays a dividend yielding about 1.10% with a 42.8% payout ratio, rated “moderate” for safety.
How profitable is ISBA?
In FY2025, ISABELLA BANK CORP had a return on equity of 8.2%.
Is ISBA overvalued or undervalued?
ISABELLA BANK CORP trades at about 15.8× trailing earnings — near its 10-year norm (10-year range 7.9×–18.8×, median 15.1×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for ISBA?
The average Wall-Street price target for ISABELLA BANK CORP is $47.00, about 16.0% above the recent price, from 1 analysts.
Is ISBA a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on ISABELLA BANK CORP: a Piotroski F-score of 5/9, a P/E of about 38.8×, a dividend yield of 1.10%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.