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MYFW (42) FVCB (65) ATLO (68) FUNC (67) ⌘ Pro Terminal β†’

Isabella Bank Corporation (ISBA) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$40.82 +2.98% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $40.96

Isabella Bank Corporation (ISBA) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- β€’ HOLD / WATCH Cap $302.4M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ISBA Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is ISBA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Isabella Bank Corporation (NASDAQ: ISBA) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $40.82 (+2.98% 1D, market cap $302.4M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, ISBA ranks #400 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does ISBA compare to MYFW and FVCB in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), ISBA carries a Roarable C- (60/100 RQD), trailing P/E of 16.0x, gross margin of β€”, and ROIC of 8.2%. By comparison, MYFW (First Western Financial Inc.) holds a D- grade (42/100 RQD, P/E 23.3x, ROIC 5.0%, cap $302.7M) and FVCB (FVCBankcorp Inc.) posts a C grade (65/100 RQD, P/E 13.9x, ROIC 8.7%, cap $304.2M). Among the 5-stock peer group, FUNC leads on earnings multiple (12.1x) while FUNC leads on capital efficiency (12.0% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ISBA?
β–Ό

Per ISBA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000842517), Isabella Bank Corporation generated $928.0M in revenue (+5.9% YoY), $18.9M in net income, and $23.3M in free cash flow against $2.21B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $40.96 (+0.35%)🧬 Cannibal Buyback (-2.36% YoY Shares)βš™οΈ Cash Engine: 12/20 (C-) β€’ 2.5% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY β€’ 53.5% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C-
025507510060
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C- Β· Rk C-
Cash (12)Whales (8)SEC (13)Macro (11)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+0.9% Base Target
$62 Bull$41 Base$32 Bear
πŸ“¬ FREE ISBA RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for ISBA)Realized 20D OHLCV Swing Band: Β±5%
Deterministic 5-Pillar Attribution (60/100 Composite)
πŸ” WHY ISBA SCORES 60/100 (C-) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy β€’ Cannibal Buyback (-2.36% YoY Shares)

β–² #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 5/9

β–Ό #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
52
Grade C-$36.86+1% Next Q
Q2 (-2Q)
55
Grade C$37.23+4.3% Next Q
Q3 (-1Q)
57
Grade C$38.82+5.2% Next Q
Current
60
Grade C-$40.82+0.4% Hist 90D Ξ±
Trajectory: C- (52) β†’ C- (60)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the ISBA Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 60/100 (C-) score, ISBA faces multiple-compression risk if 16.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) β€” any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($38.38) or 200D SMA ($42.55) invalidates the momentum regime and cuts Target Base ($41.19) toward Bear Floor ($32.13).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ISBAβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œISBA Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 60%NO 40%Trade / Inspect Odds β†’
SEC FORM 4 Γ— 13F HEDGE FUNDS Γ— CONGRESSIONAL STOCK ACT

ISBA Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales β†’
β–² Disclosed Buys: 0 ($0)β–Ό Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (ISBA)

No recent open-market Form 4 cluster sales or emergency dumps flagged on ISBA. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (ISBA Tape Review)

  • βœ“Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • βœ“Forensic Red-Light accounting & dilution traps to review on your watchlist
  • βœ“Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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ISBA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +0.96%πŸ“ HORIZONTAL RANGE
2026-11-03O $39.69H $40.82L $39.64C $40.82VOL 18.7K
RES: $42.98SUP: $34.48SMA50: $38.38SMA200: $42.55
$46.52$43.54$40.55$37.57$34.58RES $42.98SUP $34.48$40.822026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ISBA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ ISBA Butterfly Map β†’ + Track ISBA β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.6%/yr Implied 5Y Growth

vs. +5.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on ISBA today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for ISBA. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for ISBA today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ISBA)

Financials Rank #400 of 1097 βš”οΈ MYFW vs ISBA Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (ISBA vs. MYFW, FVCB, ATLO, FUNC)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Isabella Bank Corporation (ISBA) ranks #400 by composite RQD confidence (60/100, grade C-) and #803 by equity capitalization ($302.4M). Within this direct 5-issuer industry benchmark cohort, FUNC leads on earnings valuation at 12.1x trailing P/E, while FUNC leads on capital efficiency and profitability with 12.0% ROIC and β€” gross margin. ATLO currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with ISBA at 60/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
ISBA ACTIVE
Isabella Bank Corporation
C- 60/100 16.0x β€” 8.2% +2.98% $302.4M Benchmark Subject
MYFW
First Western Financial Inc.
D- 42/100 23.3x β€” 5.0% +1.77% $302.7M /myfw-vs-isba β†’
FVCB
FVCBankcorp Inc.
C 65/100 13.9x β€” 8.7% -0.36% $304.2M /fvcb-vs-isba β†’
ATLO
Ames National Corporation
C+ 68/100 15.8x β€” 9.2% +2.18% $296.8M /atlo-vs-isba β†’
FUNC
First United Corporation
C+ 67/100 12.1x β€” 12.0% +1.70% $295.8M /func-vs-isba β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000842517 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Isabella Bank Corporation (ISBA) reported GAAP revenue of $928.0M (+5.9% vs. FY2024 revenue of $876.2M , and +909.9% cumulative change since FY2023) , GAAP net income of $18.9M, operating cash flow of $26.8M, and free cash flow of $23.3M (+33.1% YoY). On the balance sheet, ISBA closed FY2025 with $2.21B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $928.0M $18.9M $26.8M $23.3M $2.21B β€”
FY2024 (FY) 2024-12-31 $876.2M $13.9M $19.6M $17.5M $2.09B β€”
FY2023 (FY) 2023-12-31 $91.9M $18.2M $24.2M $24.2M β€” β€”

3. ISBA Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ISBA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Isabella Bank Corporation (NASDAQ: ISBA) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $40.82 (+2.98% 1D, market cap $302.4M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, ISBA ranks #400 in composite RQD confidence.

How does ISBA compare to MYFW and FVCB in the Financials sector?

Within the Financials sector (Major Banks), ISBA carries a Roarable C- (60/100 RQD), trailing P/E of 16.0x, gross margin of β€”, and ROIC of 8.2%. By comparison, MYFW (First Western Financial Inc.) holds a D- grade (42/100 RQD, P/E 23.3x, ROIC 5.0%, cap $302.7M) and FVCB (FVCBankcorp Inc.) posts a C grade (65/100 RQD, P/E 13.9x, ROIC 8.7%, cap $304.2M). Among the 5-stock peer group, FUNC leads on earnings multiple (12.1x) while FUNC leads on capital efficiency (12.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for ISBA?

Per ISBA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000842517), Isabella Bank Corporation generated $928.0M in revenue (+5.9% YoY), $18.9M in net income, and $23.3M in free cash flow against $2.21B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is ISBA trading relative to its 50-day, 200-day, and 52-week technical levels?

ISBA last traded at $40.82 (+2.98% on volume of 36,963 shares), positioning the stock +6.36% above its 50-day simple moving average ($38.38) and -4.07% below its 200-day simple moving average ($42.55). Across its 52-week range of $35.39 to $58.83, ISBA sits at the 23.2% percentile with a 14-day RSI of 61.4 (BULLISH MOMENTUM) and an implied next-earnings move of Β±5.0% ($38.78 to $42.86).

Direct Sub-Reports: ISBA RQD Cockpit ISBA 12M Forecast ISBA Earnings & Move ISBA Dividends & DRIP ISBA Insiders & 13F ISBA Whale Options ISBA Profit Sankey ISBA News & Why
ROARABLE RATING BRIEF β€’ RQD 60/100 (C-) βœ“ SEC XBRL & RQD VERIFIED

ISBA β€” Isabella Bank Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Isabella Bank Corporation (ISBA) earns a live Roarable RQD composite score of 60/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $40.82 (+2.98% 1D, market capitalization $302.4M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 8.2%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 7.71%.
  • Whale 13F & Options Flow (8/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Isabella Bank Corporation (ISBA) is a NASDAQ-listed issuer classified in the Financials sector and the Major Banks industry..3B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Isabella Bank Corporation (ISBA) reported $928.0M in annual revenue (up from $876.2M in FY2024, +5.9% YoY) and $18.9M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($91.9M revenue, $18.2M net income) through FY2025, ISBA scaled operating cash flow to $26.8M and free cash flow to $23.3M, backed by $2.21B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C- β€’ RQD 60/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 7.71% and institutional whale pillar of 8/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 8/20, sustained execution supports upside toward the upper end of the $35.39 – $58.83 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 16.0x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), ISBA carries a macro regime beta of 1.00 and gross margin of β€”.

  • Key Question #1: Can ISBA sustain or expand its β€” operating margin and 8.2% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $928.0M and free cash flow of $23.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is ISBA's 14.9x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

ISBA Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Isabella Bank Corporation (ISBA) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to ISBA Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ISBA Bull vs. Bear Conversation Board β€” What's Your Call at $40.82?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ISBA 🐻 33% BEARISH CONVICTION
1. Pick Your Side on ISBA:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
AL AlphaFlow_Cap RQD DEBATE OPENER β€’ Verified $100K Arena Trader πŸ‚ BULLISH 🎯 Target: $46.38 (+17.0%)
πŸ“Œ Pinned Debate

Insider conviction scores 16 of 20 in the RQD rating and three news items report record or above-estimate Q3 results.

The street is overcomplicating Isabella Bank Corporation (ISBA). Insider conviction scores 16 of 20 in the RQD rating and three news items report record or above-estimate Q3 results.. With an RQD score of 60/100 (C-) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $42.81.

SectorRotator πŸ‚ BULL

@AlphaFlow_Cap Agree on the RQD 60/100 quality, though with 1.0 beta I'm scaling in with half-size at $39.64 and keeping dry powder in case we test $36.87.

RI RiskArb_Desk RQD DEBATE OPENER β€’ Hedged Event Driven 🐻 BEARISH 🎯 Target: $31.71 (-20.0%)
Spot @ $39.64

Valuation & margin reality check on ISBA at $39.64 before chasing here

I respect the product at Isabella Bank Corporation, but the stock at $39.64 is a different story. Valuation & margin reality check on ISBA at $39.64 before chasing here. FCF yield is 7.71% and RQD sits at 60/100 (C-) β€” why pay up here when you can wait for next quarter's numbers?

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