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ISABELLA BANK CORP ISBA
ISABELLA BANK CORP statistics & valuation
Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($42.48); a green figure means the price is below it.
Profitability & efficiency
Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).
P / E vs its own history
ISABELLA BANK CORP trades at about 15.8× earnings — near its 10-year norm (10-year range 7.9×–18.8×, median 15.1×).
Shaded band = 10-year range (7.9×–18.8×); dot = today's 15.8×.
Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.
Key ratios (by fiscal year)
| Ratio | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net margin | — | — | — | — | — | — | — | 247.9% | 245.8% | 266.1% |
| FCF margin | — | — | — | — | — | — | — | 347.6% | 327.4% | 317.0% |
| Return on assets | 0.9% | 0.7% | 0.9% | 1.1% | 1.0% | 0.6% | 0.7% | 0.8% | 0.7% | 0.8% |
| Return on equity | 8.2% | 6.6% | 9.0% | 11.9% | 9.2% | 5.0% | 6.2% | 7.2% | 6.8% | 7.3% |
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.