Isabella Bank Corporation Common stock (ISBA)

FairStock Score: 57/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Isabella Bank as a small, plain-vanilla Michigan lender: 341 employees, local deposits, commercial, agricultural and residential real estate loans, and a wealth-management arm. That can be a decent franchise built on relationships, but it is not a wide moat. The numbers show a bank earning modest returns. FairStock calculates ROE of 8.51% and a price-to-book of 1.13 at the 2026-10-13 close; paying slightly above book for sub-10% returns does not give me much cushion. The price is not demanding—P/E 13.60, PEG 0.78, dividend yield 3.04%, beta 0.07—but cheapness alone is not enough for a bank. Filed results show net income of $5.0M in fiscal Q1 2026 and $5.0M in fiscal Q2 2026, with diluted EPS of $0.68 and $0.69. For FY2025 net income was $18.9M and diluted EPS $2.56, up from FY2024's $13.9M and $1.86, though FY2023 was stronger at $18.2M and $2.40. So earnings are steady lately but not reliably compounding. FairStock's Piotroski F-Score of 5/9 suggests only average financial-signal quality, and the Lynch STALWART label—11.7% annual profit growth over five years—is a point in its favor. The critical unknowns are bank-specific: CET1, net interest margin, credit costs and deposit costs are not in the data, and combined ratio is absent though it is really an insurer measure. Without them, I can call it a fair-to-modestly-cheap community bank, not a fat pitch.

In plain English: Isabella Bank is a small Michigan bank that takes deposits and makes loans to local businesses, farmers, and families. It earns steady profits and pays a decent dividend, but its profits have not grown much lately and its returns are only average for a bank. Compared with its earnings and accounting value, the stock looks reasonably priced rather than a clear bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer