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.
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.
Within the Financials sector (Major Banks), ISBA carries a Roarable C- (60/100 RQD), trailing P/E of 16.0x, gross margin of —, 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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9
Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
Isabella Bank Corporation (ISBA) surged +2.98% to $40.82, trading at 23% of its 52-week range ($35.39 – $58.83). Solid steady margins (8% return on capital), mixed timing at 16x P/E—hold if owned, no rush to chase.
Yahoo Finance Singapore report covering Isabella Bank Corporation (ISBA) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Isabella Bank Corporation (ISBA) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Isabella Bank Corporation (ISBA) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Isabella Bank Corporation (ISBA) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Isabella Bank Corporation (ISBA) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Isabella Bank Corporation (ISBA) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Isabella Bank Corporation (ISBA) market action, institutional positioning, and fundamental catalysts.
https://www.siam.in/ report covering Isabella Bank Corporation (ISBA) market action, institutional positioning, and fundamental catalysts.
Isabella Bank (NASDAQ:ISBA) reported quarterly earnings of $0.86 per share which missed the analyst consensus estimate of $0.92 by 6.52 percent. This is a 21.13 percent increase over earnings of $0.71 per share from the
Short-term interest rates are holding at 3.75% to 4%, inflation is re-accelerating, and the Federal Reserve is openly unsure about its next move. That mix puts a spotlight on where cash sits, who manages it, and which bu
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +5.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on ISBA today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for ISBA. Explore sector supply chains on /butterfly.
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 — 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 | — | 8.2% | +2.98% | $302.4M | Benchmark Subject |
| MYFW First Western Financial Inc. | D- | 42/100 | 23.3x | — | 5.0% | +1.77% | $302.7M | /myfw-vs-isba → |
| FVCB FVCBankcorp Inc. | C | 65/100 | 13.9x | — | 8.7% | -0.36% | $304.2M | /fvcb-vs-isba → |
| ATLO Ames National Corporation | C+ | 68/100 | 15.8x | — | 9.2% | +2.18% | $296.8M | /atlo-vs-isba → |
| FUNC First United Corporation | C+ | 67/100 | 12.1x | — | 12.0% | +1.70% | $295.8M | /func-vs-isba → |
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 | — |
| FY2024 (FY) | 2024-12-31 | $876.2M | $13.9M | $19.6M | $17.5M | $2.09B | — |
| FY2023 (FY) | 2023-12-31 | $91.9M | $18.2M | $24.2M | $24.2M | — | — |
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.
Within the Financials sector (Major Banks), ISBA carries a Roarable C- (60/100 RQD), trailing P/E of 16.0x, gross margin of —, 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).
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.
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 ±5.0% ($38.78 to $42.86).
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).
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.
Operating in Major Banks (Financials), ISBA carries a macro regime beta of 1.00 and gross margin of —.
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Yahoo Finance Singapore report covering Isabella Bank Corporation (ISBA) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Isabella Bank Corporation (ISBA) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Isabella Bank Corporation (ISBA) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Isabella Bank Corporation (ISBA) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Isabella Bank Corporation (ISBA) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Isabella Bank Corporation (ISBA) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Isabella Bank Corporation (ISBA) market action, institutional positioning, and fundamental catalysts.
https://www.siam.in/ report covering Isabella Bank Corporation (ISBA) market action, institutional positioning, and fundamental catalysts.
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.
@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.
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-) — why pay up here when you can wait for next quarter's numbers?
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