ISBA · Isabella Bank Corp
$39.31
-0.63 (-1.58%)
At close · Aug 20
Market Cap
$304.70M
Shares
7.63M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$39.31
Open$39.97
Day$39.07–40.16
52W close$31.95–56.58
Avg vol 30d61K
Short int306K · 4.0% float · 4.3d
Short vol48%
Last earningsJul 23, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 10
Up next
Next earnings call
Oct 24, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 10, 2026
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Sell
Momentum
Weak
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−12%
below
Price vs 50-day avg
−2%
below
RSI (14)
44
neutral
MACD trend
Negative
52-week position
30%
mid-range
Volume (OBV)
Bearish div.
distributing
Momentum
relative strength
1-month return
+3%
trailing
6-month return
−17%
trailing
YTD return
−21%
this year
Relative strength
−29%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $40 › 200d $45 — 200d above 50d
Institutional flow
Accumulating
+35% holders QoQ · +26 funds added
Insider flow
Accumulating
Net +$855 over 90 days · 0% sells
Short interest
Rising
4.01% of float · ▲ +6.6% MoM · 4.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
58 holders — near 6-yr high, broad support
Squeeze score
66
elevated · 0–100
Fundamentals
Revenue growth
+5%
Y/Y
EPS growth
+38%
Y/Y
Free cash flow
$23.3M
Valuation
P/E 14.7
in line
Balance sheet
$26.0M
net cash
Quant / Vol
risk profile
Volatility
44%
annualized · 1-yr
Max drawdown
−35%
past year
ATR
3.8%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−12%
Bearish
Price vs 50-day avg
−2%
Neutral
RSI (14)
44
Neutral
MACD trend
Negative
Bearish
52-week position
30%
Neutral
Volume (OBV)
Bearish div.
Bearish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $40 › 200d $45 — 200d above 50d
Institutional flow
Accumulating
+35% holders QoQ · +26 funds added
Insider flow
Accumulating
Net +$855 over 90 days · 0% sells
Short interest
Rising
4.01% of float · ▲ +6.6% MoM · 4.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
58 holders — near 6-yr high, broad support
Price context
position in its 52-week range
Range low $32
Now $39 · 30%
Range high $57
vs 200-day avg -12%
vs 50-day avg -2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Net interest margin (NIM) on a fully tax equivalent basis non-GAAP | 3.43% | six months ended June 30, 2026 | — |
| Tangible book value per share (non-GAAP) non-GAAP | $26.27 | as of June 30, 2026 | — |
| Loans, excluding advances to mortgage brokers non-GAAP | 27.2M | first quarter 2026 | — |
| Net interest margin | 3.33% | first quarter 2026 | — |
| Ratio of nonperforming loans to total loans | 0.28% | March 31, 2026 | — |
| Adjusted revenue non-GAAP | 79.51M | Year Ended December 31, 2025 | — |
| Adjusted revenue (FTE) non-GAAP | 79.5M | Year Ended December 31, 2025 | — |
| Allowance for credit losses to loans | 0.89% | Year Ended December 31, 2025 | — |
| Common equity tier 1 capital | 11.73% | Year Ended December 31, 2025 | — |
| Efficiency ratio non-GAAP | 69.11% | Year Ended December 31, 2025 | — |
| Loan to deposit ratio | 84.43% | Year Ended December 31, 2025 | — |
| Net interest income (FTE) non-GAAP | 63.19M | Year Ended December 31, 2025 | — |
| Net interest margin yield (fully taxable equivalent) | 3.16% | Year Ended December 31, 2025 | — |
| Nonperforming assets to total assets | 0.25% | Year Ended December 31, 2025 | — |
| Return on average tangible shareholders' equity non-GAAP | 10.87% | Year Ended December 31, 2025 | — |
| Tangible shareholders' equity to tangible assets non-GAAP | 8.47% | December 31, 2025 | — |
| Tier 1 leverage | 8.84% | Year Ended December 31, 2025 | — |
| Wealth assets under management | 707.12M | Year Ended December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
ISBA
this stock
Isabella Bank Corp
|
$304.70M | -21.4% | +5.0% | 14.7 | 4.0% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| ISBA | -5.9% | +3.1% | -17.4% | -1.0% | -21.4% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -3.9% | -0.2% | -28.5% | -3.1% | -33.2% |
Capital returns
Latest dividend
$0.28
/ share · ex Jun 26, 2026
Paid (TTM)
$1.12
/ share · 4 payouts
Dividend yield (TTM, derived)
2.85%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.