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Isabella Bank Corporation (ISBA) Fair Value & Analysis

Financial Services · US · Market cap $296M

Price$39.85
Fair Value$33.53
Upside-15.9%
Quality95/100
Evidence: High Range $25.15 – $41.92

Fair value as of: Jun 26, 2026

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Analysis

Isabella Bank Corporation (ISBA) currently trades at $39.85, while our model-based Fair Value estimate is $33.53 — implying the stock looks roughly 15.9% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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 headquartered in Mount Pleasant, Michigan.

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Frequently asked questions

Is Isabella Bank Corporation (ISBA) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $33.53 versus a price of $39.85 — about −16% (overvalued). Model-based estimate, not financial advice.
What is the fair value of ISBA?
Our 21-model fair value for Isabella Bank Corporation is $33.53 (as of Jun 26, 2026), built from audited fundamentals. The current price is $39.85.
What is the quality score of ISBA?
Isabella Bank Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.