ISBA Research | Milton Maxwell

ISBA

Isabella Bank Corporation

52.90

+1.83+3.58%

Dec 16, 4:00:02 PM EST

Upcoming Earnings

Report date

≈ -/-

Earnings Call Transcripts

This Quarter (Q4 '25)

No earnings call transcript available yet

Last Quarter (Q3 '25)

No earnings call transcript available

Key Stats

Market Cap

389.34M

P/E (TTM)

21.50

Basic EPS (TTM)

2.46

Dividend Yield

0.02%

Recent Filings

8-K

ISBA declares $0.28 Q4 dividend

11/20/25Nov 20, 2025

Isabella Bank Corporation declared a $0.28 per share Q4 cash dividend on November 20, 2025, payable December 19 to record holders on December 17. Based on its $40.50 closing price, this yields 2.77% annualized. Steady payout signals confidence amid forward-looking risks detailed in SEC filings.

10-Q

Q3 FY2025 results

11/10/25Nov 10, 2025

Isabella Bank Corporation posted Q3 net income of $5.2M, up 60% y/y from $3.3M, with diluted EPS steady at $0.71 amid share repurchases. Net interest income climbed 11% y/y to $16.2M on loan yield expansion to 5.78% (from 5.72%) and lower deposit costs at 2.25% (from 2.42%), lifting NIM to 3.15%; YTD net income hit $14.2M, +44% y/y, EPS $1.92. Provision swung to a $209 credit versus $946 expense y/y, with ACL at $13.1M (0.92% of loans). Deposits surged 8% q/q to $1.93B, cash swelled to $161M, borrowed funds fell to $92M including $29M subordinated notes due 2031; FCF not disclosed in the 10-Q. Credit quality holds: nonaccruals ticked to 0.24% of loans. Active trading post-Nasdaq uplisting may falter.

8-K

Q3 net income $5.2M, NIM 3.15%

10/27/25Oct 27, 2025

Isabella Bank Corporation posted Q3 net income of $5.2 million, up from $3.3 million last year, fueled by 11.6% net interest income growth to $16.2 million and NIM expansion to 3.15%. Core loans rose $32 million (2%), deposits $76 million (4%), yet nonperformers ticked to 0.24%. NIM should keep climbing as loans reprice.

8-K

Tessin joins Isabella boards

10/9/25Oct 9, 2025

Isabella Bank Corporation appointed Brian Tessin, Dow Inc.'s Chief Tax Officer, to its board and Isabella Bank's board on October 6, 2025, until the 2026 annual meeting. Tessin brings 30+ years in tax strategy, M&A, financial reporting, and compliance. His expertise bolsters governance amid complex finances. Independent director.

8-K

Bylaws overhauled for governance

9/30/25Sep 30, 2025

Isabella Bank Corporation's board approved Second Amended and Restated Bylaws on September 24, 2025, effective immediately, tightening shareholder meeting rules, nomination procedures, and proxy registration while expanding remote meetings and indemnification to MBCA maximums. Changes clarify special meeting calls and mandate director nominee questionnaires. Bylaws now set exclusive forums for shareholder suits. Governance sharpened.

About

Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides banking and wealth management services to businesses, institutions, and individuals and their families in Michigan, the United States. The company offers deposit products, including checking and savings accounts; and certificates of deposit, direct deposits, and cash management services. Its loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans, including secured and unsecured personal loans. In addition, the company provides mobile and internet banking, investment management, trust and estate services, automated teller machines, and insurance products. Isabella Bank Corporation was founded in 1903 and is based in Mount Pleasant, Michigan.

CEO

Mr. Jerome E. Schwind

IPO

1/30/2006

Website

https://www.isabellabank.com

Employees

368

Sector

Financial Services

Industry

Banks - Regional