Isabella Bank CorpISBA
Price$37.68Intrinsic value$22.0242% below price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $22.02median of 2 methodsbased on filings through 30 Jun 2026
Market Price $37.68Price as of 1 Oct 2026
Margin of Safety -41.6%as of 1 Oct 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 21.0% (near-term consensus, capped) · years 2–5: 5.0%/yr (balance of the path).8.0% per year
Years 6–10: glide to demonstrated growth
Per-year rates
Yr 65.6%Yr 76.2%Yr 86.8%Yr 97.4%Yr 108.0%
5.0% → 8.0%
Years 11–20: glide to long-run rate
Per-year rates
Yr 117.5%Yr 127.0%Yr 136.5%Yr 146.0%Yr 155.5%Yr 165.0%Yr 174.5%Yr 184.0%Yr 193.5%Yr 203.0%
8.0% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 3 windows (5/6/7y)8.0%
Discount rate (cost of equity) 6.5%
Volatility vs market (adjusted beta)0.35

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

Search any company to compare valuation, profitability, returns, growth, and financial strength side by side.

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Best in rowHigher is betterLower is better—Data not available
TargetIsabella Bank CorpISBAFinancials
Valuation
P/E13.9×
P/S3.8×
P/B1.1×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin100.0%
Operating margin30.0%
Net margin24.1%
FCF margin29.3%
Returns
ROE8.0%
ROA0.9%
ROIC—
Growth
Revenue growth (YoY)11.5%
5-yr fwd EPS growth—
Financial strength
Debt / Equity—
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield2.2%

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.