Isabella Bank Corporation
ISBAFinancial ServicesNASDAQBanks - Regional
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Daily timeframeIsabella 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. Valued at $299.9M, ISBA is a micro-cap name in its sector. The company offers deposit products, including checking and savings accounts; and certificates of deposit, direct deposits, and cash management services.
Market Cap
$299.9M
Beta
0.02
P/E (TTM)
15.36
P/E (Fwd)
10.54
EPS (TTM)
$2.71
EPS (Fwd)
$3.95
ROE
8.9%
ROA
0.9%
Cash
$50.1M
Total Debt
$143.1M
Free CF
—
52W Change
51.1%
Annual Financials
Cash vs Debt
Isabella Bank Corporation carries $143.1M in total debt against $50.1M in cash reserves — debt is roughly 2.9x the cash position. Managing this leverage effectively will be important for long-term financial stability. Return on equity stands at 8.9%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 0.9% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $71.2M (2022) to $76.3M (2025).
ISBA's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. No single metric tells the full story. Reviewing ISBA's risk profile alongside its fundamentals and technical indicators provides a more complete picture.