Isabella Bank Stock | Analysis for March 2026, Price & Rating

Isabella Bank

NasdaqCM:ISBA

$ 46,80

+ $1,05 (2,30%)

46,80 $

+$1,05 (2,30%)

End-of-day quote: 03/24/2026

Isabella Bank Stock Value

The analyst rating for NasdaqCM:ISBA is currently Hold.

Hold

Isabella Bank Company Info

EPS Growth 5Y

13,82%

Market Cap

$0,34 B

Long-Term Debt

$0,03 B

Short Interest

0,00%

Annual earnings

N/A

Dividend

$1,15

Dividend Yield

2,45%

Founded

1903

Industry

Financials

Country

United States

ISIN Number

US4642141059

Website

http://www.isabellabank.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$54,00

15.38%

Last Update: 03/22/2026

Analysts: 1

Highest Price Target $54,00

Average Price Target $54,00

Lowest Price Target $54,00

In the last five quarters, Isabella Bank’s Price Target has risen from $10,80 to $26,50 - a 145,37% increase. One analysts predict that Isabella Bank’s share price will increase in the coming year, reaching $54,00. This would represent an increase of 15,38%.

Top growth stocks in the financials sector (5Y.)

What does Isabella Bank do?

Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides a broad array of banking and wealth management services to businesses, institutions, individuals, and their families. The company has offices located throughout Bay, Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. The area includes significant agricultural production, manufacturing, retail, gaming and tourism, and several colleges and universities. Lending activities inclu...

The company has offices located throughout Bay, Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. The area includes significant agricultural production, manufacturing, retail, gaming and tourism, and several colleges and universities.

Lending activities include loans for commercial and agricultural operations and real estate purposes, residential real estate loans, and consumer loans. The company limits lending activities primarily to local markets and purchased loans from the secondary market are minimal. The company’s general lending philosophy is to limit concentrations to individuals and business segments.

Deposit services offered include checking accounts, savings accounts, certificates of deposit, direct deposits, cash management services, mobile and internet banking, and ATMs. The company also offers full service investment management, trust and estate services.The company provides group life, health, accident, disability, and other insurance programs as well as a number of other employee benefit programs.

Loans

The company grants commercial, agricultural, residential real estate, and consumer loans to customers situated primarily in Bay, Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties in Michigan. The ability of the borrowers to honor their repayment obligations is often dependent upon the real estate, agricultural, manufacturing, retail, gaming, tourism, health care, higher education, and general economic conditions of this region. Substantially all of the company’s consumer and residential real estate loans are secured by various items of property, while commercial loans are secured primarily by real estate, business assets, and personal guarantees. A portion of loans is unsecured.

Commercial and agricultural loans include loans for commercial real estate, commercial operating loans, advances to mortgage brokers, farmland and agricultural production, and loans to states and political subdivisions. Repayment of these loans is dependent upon the successful operation and management of a business. Commercial and agricultural real estate loans commonly require loan-to-value limits of 80% or less.

The company offers adjustable rate mortgages, construction loans, and fixed rate residential real estate loans which have amortization periods up to a maximum of 30 years. The company’s lending policies generally limit the maximum loan-to-value ratio on residential real estate loans to 100% of the lower of the appraised value of the property or the purchase price. Private mortgage insurance is typically required on loans with loan-to-value ratios in excess of 80% unless the loan qualifies for government guarantees.

Consumer loans include secured and unsecured personal loans. Loans are amortized for a period of up to 15 years based on the age and value of the underlying collateral. The underwriting emphasis is on a borrower’s perceived intent and ability to pay rather than collateral value.

Investment Portfolio

As of December 31, 2023, the company’s investment portfolio included U.S. Treasury; states and political subdivisions; auction rate money market preferred; mortgage-backed securities; collateralized mortgage obligations; and corporate.

Supervision and Regulation

The company, as a financial holding company, is regulated under the Bank Holding Company Act of 1956, and is subject to the supervision of the Federal Reserve Bank. The company is registered as a financial services holding company with the Federal Reserve Bank and is subject to reporting requirements and inspections and audits.

In accordance with Section 302(a) of Sarbanes-Oxley Act of 2002, written certifications by the company’s principal executive, financial, and accounting officers are required. The company has also implemented a program designed to comply with Section 404 of Sarbanes-Oxley Act of 2002, which included the identification of significant processes and accounts, documentation of the design effectiveness over process and entity level controls, and testing of the operating effectiveness of key controls.

The bank is supervised and regulated by Department of Insurance and Financial Services and the Federal Reserve Bank. The company’s deposits are insured up to applicable limits by the Deposit Insurance Fund of the Federal Deposit Insurance Corporation and are subject to deposit insurance assessments to maintain the Deposit Insurance Fund.

History

Isabella Bank Corporation was founded in 1903. The company was incorporated in 1988 under Michigan law.

New support ticket

Explore

Isabella Bank Stock Value

Isabella Bank Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Isabella Bank do?

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Isabella Bank Stock Value

Isabella Bank Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Isabella Bank do?

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.