Isabella Bank Corporation (ISBA) Key Metrics
ISBA valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $280.1M
- Enterprise value
- $383.9M
- P/E (TTM)
- 13.5 10-yr median 14.3
- Forward P/E
- 11.2
- PEG ratio
- —
- Price / sales
- 3.4 10-yr median 2.5
- Price / book
- 1.2 10-yr median 0.9
- EV / EBITDA
- —
- Dividend yield
- 3.05% $1.12 a year
- Beta
- 0.07
ISBA key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsISBA valuation Price multiples at each fiscal year-end price.
ISBA returns How much profit the business earns on the capital it uses.
ISBA per-share figures Results divided by the shares outstanding at year-end.
ISBA financial health Debt, liquidity and how easily interest is covered.
ISBA efficiency & capital use Working capital cycle and where the cash goes.
ISBA valuation history
ISBA returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
ISBA debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
ISBA cash returned to shareholders
ISBA price vs earnings per share
ISBA key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $369.0M | $194.5M | $162.9M | $179.7M | $203.1M | $158.6M | $196.8M | $182.1M | $227.0M | $222.8M |
| Enterprise value | $284.7M | $54.4M | −$282.8M | −$352.7M | −$293.5M | −$268.5M | −$17.6M | −$45.9M | −$11.3M | −$20.5M |
| P/E ratio | 19.5 | 14.0 | 9.0 | 8.1 | 10.4 | 14.6 | 15.1 | 13.0 | 17.1 | 16.1 |
| Price / sales | 3.3 | 1.9 | 1.8 | 2.3 | 2.8 | 2.1 | 2.6 | 2.5 | 3.4 | 3.6 |
| Price / book | 1.6 | 0.9 | 0.8 | 1.0 | 1.0 | 0.7 | 0.9 | 0.9 | 1.2 | 1.2 |
| Price / free cash flow | 15.8 | 11.1 | 8.1 | 7.6 | 8.5 | 7.7 | 9.0 | 9.3 | 12.9 | 13.6 |
| Price / operating cash flow | 13.8 | 9.9 | 6.7 | 6.7 | 8.0 | 7.2 | 8.4 | 8.3 | 11.5 | 11.0 |
| EV / sales | 2.5 | 0.5 | -3.1 | -4.6 | -4.1 | -3.5 | -0.2 | -0.6 | -0.2 | -0.3 |
| EV / EBITDA | 12.8 | 2.9 | — | — | — | — | — | — | — | — |
| EV / free cash flow | 12.2 | 3.1 | — | — | — | — | — | — | — | — |
| Earnings yield | 5.1% | 7.1% | 11.2% | 12.4% | 9.6% | 6.9% | 6.6% | 7.7% | 5.8% | 6.2% |
| Free cash flow yield | 6.3% | 9.0% | 12.4% | 13.2% | 11.8% | 12.9% | 11.2% | 10.8% | 7.8% | 7.4% |
| Dividend yield | 2.2% | 4.2% | 5.0% | 4.5% | 4.1% | 5.4% | 4.2% | 4.5% | 3.5% | 3.4% |
| Shareholder yield (dividends + buybacks) | 3.5% | 6.5% | 8.1% | 5.8% | 11.5% | 8.1% | 6.8% | 8.6% | 6.0% | 5.6% |
| Share price at fiscal year-end | $50.00 | $25.99 | $21.50 | $23.50 | $25.50 | $19.57 | $24.31 | $22.56 | $28.25 | $27.85 |
| Per share | ||||||||||
| Revenue per share | $15.18 | $13.59 | $11.98 | $10.01 | $8.95 | $9.35 | $9.43 | $8.98 | $8.38 | $7.77 |
| Earnings per share | $2.56 | $1.86 | $2.40 | $2.91 | $2.45 | $1.34 | $1.61 | $1.74 | $1.65 | $1.73 |
| Operating cash flow per share | $3.63 | $2.62 | $3.19 | $3.52 | $3.20 | $2.71 | $2.88 | $2.72 | $2.45 | $2.53 |
| Free cash flow per share | $3.16 | $2.34 | $2.66 | $3.10 | $3.00 | $2.53 | $2.71 | $2.44 | $2.19 | $2.05 |
| Cash per share | $30.74 | $33.82 | $74.17 | $80.99 | $74.81 | $72.28 | $60.58 | $70.40 | $72.59 | $72.63 |
| Book value per share | $31.35 | $28.10 | $26.72 | $24.35 | $26.49 | $26.97 | $25.96 | $24.22 | $24.26 | $23.49 |
| Tangible book value per share | $24.81 | $21.65 | $20.35 | $18.03 | $20.43 | $21.00 | $19.99 | $18.22 | $18.22 | $17.41 |
| Dividends per share | $1.10 | $1.09 | $1.08 | $1.06 | $1.05 | $1.05 | $1.02 | $1.01 | $0.99 | $0.96 |
| Capex per share | $0.47 | $0.28 | $0.54 | $0.42 | $0.20 | $0.19 | $0.16 | $0.29 | $0.25 | $0.48 |
| Debt per share | $19.31 | $15.10 | $15.33 | $11.38 | $12.47 | $19.58 | $34.09 | $42.15 | $42.93 | $42.22 |
| Shares outstanding | 7.4M | 7.5M | 7.6M | 7.6M | 8.0M | 8.1M | 8.1M | 8.1M | 8.0M | 8.0M |
| Change in shares outstanding | −1.4% | −1.2% | −0.9% | −4.0% | −1.7% | +0.1% | +0.3% | +0.5% | +0.4% | +0.6% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 8.6% | 6.7% | 9.3% | 11.2% | 9.1% | 5.1% | 6.4% | 7.2% | 6.9% | 7.4% |
| Return on invested capital (ROIC) | 16.0% | — | — | — | — | — | — | — | — | — |
| Return on assets (ROA) | 0.9% | 0.7% | 0.9% | 1.1% | 1.0% | 0.6% | 0.7% | 0.8% | 0.7% | 0.8% |
| Return on tangible assets | 0.9% | 0.7% | 0.9% | 1.1% | 1.0% | 0.6% | 0.7% | 0.8% | 0.8% | 0.8% |
| Free cash flow margin | 20.8% | 17.2% | 22.2% | 31.0% | 33.5% | 27.0% | 28.8% | 27.1% | 26.2% | 26.4% |
| Income quality (OCF / net income) | 1.42 | 1.41 | 1.33 | 1.21 | 1.31 | 2.02 | 1.79 | 1.57 | 1.49 | 1.47 |
| Financial health | ||||||||||
| Total debt | $142.5M | $113.0M | $116.1M | $87.0M | $99.3M | $158.7M | $276.0M | $340.3M | $344.9M | $337.7M |
| Cash & short-term investments | $226.9M | $253.0M | $561.8M | $619.4M | $595.9M | $585.9M | $490.4M | $568.3M | $583.2M | $581.0M |
| Net debt | −$84.3M | −$140.0M | −$445.7M | −$532.4M | −$496.6M | −$427.1M | −$214.4M | −$228.0M | −$238.3M | −$243.3M |
| Debt / equity | 0.62 | 0.54 | 0.57 | 0.47 | 0.47 | 0.73 | 1.31 | 1.74 | 1.77 | 1.80 |
| Debt / assets | 0.06 | 0.05 | 0.06 | 0.04 | 0.05 | 0.08 | 0.15 | 0.19 | 0.19 | 0.19 |
| Net debt / EBITDA | −3.79 | −7.58 | −18.72 | −18.41 | −18.89 | −28.39 | −12.12 | −12.23 | −12.15 | −12.46 |
| Current ratio | 0.12 | 0.14 | 0.34 | 0.36 | 0.35 | 0.37 | 0.37 | 0.43 | 0.44 | 0.46 |
| Quick ratio | 0.12 | 0.14 | 0.34 | 0.36 | 0.35 | 0.37 | 0.37 | 0.43 | 0.44 | 0.46 |
| Interest coverage | 0.7 | 0.5 | 1.0 | 5.0 | 3.1 | 0.9 | 0.8 | 1.0 | 1.3 | 1.5 |
| Working capital | −$1.66B | −$1.55B | −$1.17B | −$1.16B | −$1.16B | −$1.04B | −$860.5M | −$771.8M | −$746.1M | −$698.2M |
| Invested capital | $147.1M | $70.2M | −$243.3M | −$346.2M | −$285.6M | −$208.5M | −$4.2M | −$32.5M | −$43.4M | −$55.4M |
| Tangible asset value | $183.1M | $162.0M | $154.1M | $137.9M | $162.7M | $170.3M | $161.8M | $147.1M | $146.4M | $139.2M |
| Net current asset value | −$1.75B | −$1.62B | −$1.26B | −$1.19B | −$1.21B | −$1.13B | −$1.11B | −$1.07B | −$1.03B | −$956.7M |
| Graham number | $42.52 | $34.26 | $37.97 | $39.91 | $38.20 | $28.54 | $30.66 | $30.76 | $29.99 | $30.20 |
| Graham net-net per share | −$237.29 | −$216.91 | −$167.45 | −$156.81 | −$151.91 | −$140.25 | −$136.94 | −$132.31 | −$128.16 | −$119.79 |
| Capital allocation | ||||||||||
| Dividends paid | $8.1M | $8.1M | $8.2M | $8.1M | $8.4M | $8.5M | $8.3M | $8.2M | $8.0M | $7.6M |
| Share buybacks (net) | $4.7M | $4.4M | $5.0M | $2.3M | $14.9M | $4.3M | $5.1M | $7.4M | $5.6M | $4.8M |
| Dividend payout ratio | 42.8% | 58.7% | 45.2% | 36.3% | 42.9% | 78.3% | 63.6% | 58.3% | 60.4% | 55.4% |
| Dividends + buybacks / free cash flow | 54.8% | 71.6% | 65.9% | 43.8% | 97.5% | 62.6% | 61.1% | 79.2% | 77.1% | 75.9% |
| Capex / revenue | 3.1% | 2.1% | 4.5% | 4.2% | 2.2% | 2.0% | 1.7% | 3.2% | 3.0% | 6.1% |
| Capex / operating cash flow | 13.0% | 10.7% | 16.8% | 11.9% | 6.2% | 6.9% | 5.7% | 10.5% | 10.4% | 18.8% |
| Capex / depreciation | 23.83 | 1.01 | 2.05 | 1.55 | 0.54 | 0.48 | 0.41 | 0.71 | 0.61 | 1.13 |
| Stock-based compensation / revenue | 0.3% | 0.5% | 0.9% | 0.8% | 0.1% | 0.0% | 0.7% | 0.8% | 1.0% | 0.9% |
| SG&A / revenue | 38.0% | 30.9% | 31.8% | 35.8% | 36.6% | 34.3% | 32.7% | 34.2% | 35.0% | 34.3% |
| Efficiency | ||||||||||
| Days sales outstanding | — | — | 138.2 | 127.7 | 105.1 | 66.4 | 32.1 | 35.2 | 37.0 | 37.7 |
| Days of inventory on hand | — | — | — | 20.5 | 19.5 | 11.6 | 8.3 | 7.1 | 7.5 | 11.1 |
| Days payables outstanding | — | — | — | 762.0 | 666.5 | 310.3 | 271.4 | 242.6 | 280.7 | 363.4 |
| Cash conversion cycle (days) | — | — | — | -613.8 | -541.9 | -232.3 | -231.0 | -200.3 | -236.3 | -314.6 |
| Receivables turnover | — | — | 2.64 | 2.86 | 3.47 | 5.50 | 11.37 | 10.37 | 9.87 | 9.68 |
| Payables turnover | — | — | — | 0.48 | 0.55 | 1.18 | 1.35 | 1.50 | 1.30 | 1.00 |
| Inventory turnover | — | — | — | 17.85 | 18.68 | 31.52 | 44.12 | 51.42 | 48.84 | 32.91 |
| Asset turnover | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Average receivables | — | — | $34.4M | $26.8M | $20.5M | $13.8M | $6.7M | $7.0M | $6.8M | $6.4M |
| Average payables | — | — | — | $12.1M | $12.6M | $13.2M | $13.3M | $11.0M | $9.8M | $10.7M |
| Average inventory | — | — | — | $325,000 | $369,000 | $491,500 | $405,500 | $323,000 | $261,000 | $326,000 |
| Intangibles / total assets | 2.2% | 2.3% | 2.3% | 2.4% | 2.4% | 2.5% | 2.7% | 2.6% | 2.7% | 2.8% |
Computed from ISBA's annual financial statements (latest annual report filed March 13, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
ISBA valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Isabella Bank traded at 19.5 times earnings, against a 10-year median of 14.3. Based on the latest twelve months, the trailing P/E is 13.5 and the forward P/E is 11.2. Isabella Bank earned a return on equity of 8.6% and a return on invested capital of 16.0% in fiscal 2025. It ended the year with $142.5 million of debt and $226.9 million in cash and short-term investments, a net cash position of $84.3 million. It returned $12.8 million to shareholders: $8.1 million in dividends and $4.7 million in share buybacks, 55% of free cash flow. The share count fell 7.7% from 8.0M to 7.4M over 9 years.
See the ISBA income statement, the ISBA chart for price history, or the ISBA stock overview for the latest quote and news.
ISBA key metrics FAQ
What is Isabella Bank's P/E ratio?
Isabella Bank's trailing P/E ratio is 13.5 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 11.2. At the end of fiscal 2025 it was 19.5, compared with a 10-year median of 14.3.
What is Isabella Bank's EV/EBITDA?
Isabella Bank's enterprise value was 12.8 times EBITDA at the end of fiscal 2025 (enterprise value $284.7 million, EBITDA $22.3 million).
What is Isabella Bank's return on equity?
Isabella Bank's return on equity (ROE) was 8.6% in fiscal 2025: net income of $18.9 million on average shareholders' equity of $220.8 million.
What is Isabella Bank's ROIC?
Isabella Bank's return on invested capital was 16.0% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Isabella Bank have?
Isabella Bank had total debt of $142.5 million at the end of fiscal 2025, a debt-to-equity ratio of 0.62 and more cash than debt.
What is Isabella Bank's dividend yield?
Isabella Bank's forward dividend yield is 3.05%. Isabella Bank paid $8.1 million in dividends in fiscal 2025 ($1.10 per share), a payout ratio of 42.8%.
Does Isabella Bank buy back its shares?
Yes. Isabella Bank spent $4.7 million on net share repurchases in fiscal 2025 Shares outstanding changed −1.4% over the year, to 7.4M..
What is Isabella Bank's free cash flow yield?
Isabella Bank generated $23.3 million of free cash flow in fiscal 2025, a free cash flow yield of 6.3% on its market value at year-end ($369.0 million).
What is Isabella Bank's current ratio?
Isabella Bank's current ratio was 0.12 at the end of fiscal 2025: current assets were 0.12 times current liabilities.