ISBA
Isabella Bank Corporation
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Sell
-37/100
Last price
37.41
▼ 0.93 (2.42%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
38.34
Prev close
38.34
Day high
38.34
Day low
37.41
Volume
5.11K
Market cap
$285.38M
P/E (TTM)
13.80
52W range
33.24 – 58.83
Day trading desk
Gap from prior close
0.00%
Prior close 38.34
VWAP
38.00
-1.55% from price
Relative volume
0.04×
Quiet session
Session range
2.49%
37.41 – 38.34
Position in range
0%
Near session low
ATR (14D)
1.07
2.86% of price
Prior day high
38.75
PDH
Prior day low
37.50
PDL
Bid / ask spread
—
Quote not published
Session volume
2.41K
Avg 58.49K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-0.16%
-2.0%
1M
-5.58%
-6.9%
3M
-4.20%
-7.5%
6M
-21.89%
-36.7%
YTD
-25.18%
-39.0%
1Y
+4.67%
-10.9%
3Y
+77.80%
-3.9%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on ISBA open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
489.39K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 16, 26 | BOURLAND JILL Director |
BUY | 7 | $300 | Direct |
| Sep 1, 26 | OPPERMAN SARAH R Director |
STOCK | 46 | $1.77K | Direct |
| Sep 1, 26 | SCHWIND JEROME E Officer and Director |
STOCK | 123 | $4.74K | Direct |
| Sep 1, 26 | BARNES JEFFREY J Director |
STOCK | 242 | $9.33K | Direct |
| Sep 1, 26 | MCDONNELL NEIL MICHAEL President |
STOCK | 3 | $116 | Direct |
| Sep 1, 26 | BOURLAND JILL Director |
STOCK | 10 | $386 | Direct |
| Sep 1, 26 | RUPP VICKI L. Director |
STOCK | 33 | $1.27K | Direct |
| Sep 1, 26 | COFFIN MELINDA MARIE Director |
STOCK | 31 | $1.20K | Direct |
| Sep 1, 26 | SACKETT BRIAN ROY Director |
STOCK | 24 | $925 | Direct |
| Sep 1, 26 | TESSIN BRIAN B Director |
STOCK | 8 | $308 | Direct |
| Aug 17, 26 | BOURLAND JILL Director |
BUY | 7 | $300 | Direct |
| Jul 16, 26 | BOURLAND JILL Director |
BUY | 7 | $300 | Direct |
| Jun 16, 26 | BOURLAND JILL Director |
BUY | 7 | $300 | Direct |
| Jun 1, 26 | OPPERMAN SARAH R Director |
STOCK | 43 | $1.78K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BARNES JEFFREY J |
Director | 42.78K | Stock Award(Grant) |
EVANS JAE A |
Director | 26.97K | Stock Award(Grant) |
MCDONNELL NEIL MICHAEL |
President | 12.28K | Stock Award(Grant) |
OPPERMAN SARAH R |
Director | 24.59K | Stock Award(Grant) |
PAYTON CHAD R. |
Director | 7.47K | Stock Award(Grant) |
PRISBY MICHAEL P |
Officer and Treasurer | 18.66K | Sale |
RUPP VICKI L. |
Director | 9.90K | Stock Award(Grant) |
SCHAEFER WILLIAM M |
Chief Financial Officer | 7.25K | Purchase |
SCHWIND JEROME E |
Officer and Director | 37.78K | Stock Award(Grant) |
WHEELER PEGGY L |
Chief Operating Officer | 8.87K | Purchase |
Fundamentals
Market cap$285.38M
Enterprise value$396.25M
Revenue (TTM)$83.20M
Gross profit$83.20M
EBITDA—
Net income$19.96M
EPS (TTM)$2.71
Free cash flow—
Total cash$41.77M
Total debt$145.57M
Book value / share$32.60
Shares outstanding7.63M
Float7.05M
Short % of float4.21%
Dividend yield2.90%
Beta (5Y)0.08
Valuation & profitability ratios
Trailing P/E13.80
Forward P/E9.47
PEG ratio—
Price / sales—
Price / book1.15
EV / revenue4.76
EV / EBITDA—
Gross margin0.00%
Operating margin32.33%
Profit margin23.99%
Return on equity8.51%
Return on assets0.91%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $76.30M | $68.44M | $70.00M | $71.23M | +11.5% |
| Operating revenue | $76.30M | $68.44M | $70.00M | $71.23M | +11.5% |
| Selling, general & admin | $33.21M | $31.42M | $28.90M | $27.40M | +5.7% |
| Pre-tax income | $24.12M | $16.40M | $21.83M | $26.84M | +47.1% |
| Tax provision | $5.21M | $2.51M | $3.67M | $4.61M | +107.8% |
| Net income | $18.91M | $13.89M | $18.17M | $22.24M | +36.2% |
| Net income to common | $18.91M | $13.89M | $18.17M | $22.24M | +36.2% |
| Basic EPS | 2.56 | 1.86 | 2.42 | 2.95 | +37.6% |
| Diluted EPS | 2.56 | 1.86 | 2.40 | 2.91 | +37.6% |
| Basic shares | 7.39M | 7.47M | 7.51M | 7.55M | -1.1% |
| Diluted shares | 7.39M | 7.47M | 7.58M | 7.65M | -1.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $26.04M | $24.54M | $33.67M | $38.92M | — | +6.1% |
| Accounts receivable | — | — | $35.13M | $33.59M | $19.98M | — |
| Property, plant & equipment | $29.00M | $27.66M | $27.64M | $25.55M | — | +4.8% |
| Goodwill & intangibles | $48.28M | $48.28M | $48.28M | $48.29M | — | -0.0% |
| Total assets | $2.21B | $2.09B | $2.06B | $2.03B | — | +5.9% |
| Long-term debt | $74.51M | $59.42M | $69.33M | $29.25M | — | +25.4% |
| Total debt | $74.51M | $59.42M | $69.33M | $29.25M | — | +25.4% |
| Total liabilities | $1.98B | $1.88B | $1.86B | $1.84B | — | +5.4% |
| Retained earnings | $113.85M | $103.02M | $97.28M | $89.75M | — | +10.5% |
| Shareholder equity | $231.40M | $210.28M | $202.40M | $186.21M | — | +10.0% |
| Net tangible assets | $183.11M | $161.99M | $154.12M | $137.92M | — | +13.0% |
| Shares issued | 7.62M | 7.42M | 7.49M | 7.56M | — | +2.7% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $18.91M | $13.89M | $18.17M | $22.24M | +36.2% |
| Depreciation & amortisation | $2.14M | $2.09M | $1.98M | $2.07M | +2.5% |
| Stock-based compensation | $341.00K | $476.00K | $782.00K | $610.00K | -28.4% |
| Change in working capital | $6.77M | $1.51M | $736.00K | -$553.00K | +348.0% |
| Operating cash flow | $26.82M | $19.64M | $24.18M | $26.89M | +36.6% |
| Capital expenditure | -$3.48M | -$2.11M | -$4.06M | -$3.21M | -65.2% |
| Investing cash flow | -$115.88M | -$37.87M | -$26.25M | -$106.20M | -206.0% |
| Share buybacks | -$4.71M | -$4.41M | -$5.04M | -$2.31M | -6.8% |
| Dividends paid | -$8.09M | -$8.15M | -$8.22M | -$8.08M | +0.8% |
| Financing cash flow | $90.56M | $9.10M | -$3.19M | $12.91M | +895.3% |
| Free cash flow | $23.34M | $17.53M | $20.12M | $23.68M | +33.1% |
| End cash position | $26.04M | $24.54M | $33.67M | $38.92M | +6.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $21.83M | $20.68M | $20.60M | $19.88M | $18.26M | — | +5.5% |
| Operating revenue | $21.83M | $20.68M | $20.60M | $19.88M | $18.26M | — | +5.5% |
| Selling, general & admin | $8.95M | $8.74M | $8.42M | $8.41M | $8.23M | — | +2.4% |
| Pre-tax income | $6.18M | $5.98M | $6.82M | $6.28M | $6.17M | — | +3.4% |
| Tax provision | $1.14M | $985.00K | $2.13M | $1.04M | $1.14M | — | +15.4% |
| Net income | $5.04M | $4.99M | $4.69M | $5.24M | $5.03M | — | +1.0% |
| Net income to common | $5.04M | $4.99M | $4.69M | $5.24M | $5.03M | — | +1.0% |
| Basic EPS | 0.69 | 0.68 | 0.64 | — | 0.68 | 0.53 | +1.5% |
| Diluted EPS | 0.69 | 0.68 | 0.64 | — | 0.68 | 0.53 | +1.5% |
| Basic shares | 7.31M | 7.34M | 7.33M | 7.38M | 7.40M | — | -0.5% |
| Diluted shares | 7.34M | 7.34M | 7.35M | 7.38M | 7.40M | — | -0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $41.77M | $50.10M | $26.04M | $161.30M | $108.55M | -16.6% |
| Property, plant & equipment | $28.89M | $29.06M | $29.00M | $28.66M | $28.17M | -0.6% |
| Goodwill & intangibles | $48.28M | $48.28M | $48.28M | $48.28M | $48.28M | 0.0% |
| Total assets | $2.22B | $2.25B | $2.21B | $2.26B | $2.16B | -1.4% |
| Long-term debt | $29.56M | $29.54M | $74.51M | $29.49M | $29.47M | +0.1% |
| Total debt | $29.56M | $29.54M | $74.51M | $29.49M | $29.47M | +0.1% |
| Total liabilities | $1.97B | $2.02B | $1.98B | $2.03B | $1.94B | -2.3% |
| Retained earnings | $119.84M | $116.79M | $113.85M | $111.17M | $107.95M | +2.6% |
| Shareholder equity | $248.70M | $233.96M | $231.40M | $227.42M | $220.50M | +6.3% |
| Net tangible assets | $200.42M | $185.68M | $183.11M | $179.14M | $172.22M | +7.9% |
| Shares issued | 7.63M | 7.33M | 7.62M | 7.60M | 7.61M | +4.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $5.04M | $4.99M | $4.69M | $5.24M | $5.03M | +1.0% |
| Depreciation & amortisation | $579.00K | $562.00K | $537.00K | $529.00K | $537.00K | +3.0% |
| Stock-based compensation | $47.00K | $172.00K | $63.00K | $56.00K | $48.00K | -72.7% |
| Change in working capital | $1.64M | -$2.23M | $5.74M | -$2.26M | $3.25M | +173.4% |
| Operating cash flow | $7.70M | $3.78M | $11.53M | $2.87M | $7.78M | +103.9% |
| Capital expenditure | -$409.00K | -$536.00K | -$878.00K | -$1.02M | -$600.00K | +23.7% |
| Investing cash flow | $21.61M | -$18.41M | -$88.65M | -$42.80M | -$12.58M | +217.4% |
| Share buybacks | -$224.00K | -$402.00K | -$1.45M | -$609.00K | -$1.50M | +44.3% |
| Dividends paid | -$1.99M | -$2.05M | -$2.01M | -$2.02M | -$2.02M | +3.1% |
| Financing cash flow | -$37.65M | $38.70M | -$58.13M | $92.69M | $44.18M | -197.3% |
| Free cash flow | $7.29M | $3.24M | $10.65M | $1.85M | $7.18M | +125.0% |
| End cash position | $41.77M | $50.10M | $26.04M | $161.30M | $108.55M | -16.6% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.92 | 0.69 | -25.0% |
| Mar 2026 | 0.78 | 0.68 | -12.8% |
| Dec 2025 | 0.74 | 0.64 | -13.5% |
| Sep 2025 | 0.63 | 0.71 | +12.7% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.92 | 1 | $23.90M | +15.3% |
| Next quarter | 0.95 | 1 | $24.30M | +14.8% |
| Current year | 3.30 | 1 | $92.20M | +17.4% |
| Next year | 3.95 | 1 | $101.00M | +9.5% |
Analyst targets & ownership
Mean target$43.00
High target$43.00
Low target$43.00
Implied upside14.95%
Analyst count1
ConsensusNONE
Strong buy / Buy0 / 0
Hold1
Sell / Strong sell0 / 0
Held by insiders6.42%
Held by institutions21.04%
Institutions holding89
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
37.86
-1.21% from price
SMA 20
38.23
-2.16% from price
SMA 50
39.26
-4.72% from price
SMA 100
39.93
-6.30% from price
SMA 200
43.73
-14.46% from price
EMA 12
37.99
-1.52% from price
EMA 26
38.40
-2.58% from price
EMA 50
38.99
-4.05% from price
RSI (14)
42.0
Neutral
MACD (12,26,9)
-0.41
Hist 0.02
ATR (14)
1.07
2.86% of price
Realised vol 30D
25.5%
Annualised
Bollinger upper
39.53
20, 2σ
Bollinger lower
36.94
20, 2σ
50 / 200 cross
Death
39.26 vs 43.73
Trend bias
Below 200
-14.46%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.38
Less volatile than market
Correlation to SPY
0.11
Largely independent
Realised vol 30D
25.5%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-34.9%
Peak to trough
Max drawdown 5Y
-37.6%
Peak to trough
ATR 14
1.07
2.86% of price
Beta (reported)
0.08
5Y monthly, from filing
Short interest
Shares short
316.78K
Prior 316.44K
Change vs prior
+0.1%
Shorts adding
% of float
4.21%
Normal
% of shares out
4.15%
Against total outstanding
Days to cover
4.4
Liquid
Float
7.05M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jul 27, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Apr 27, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Feb 9, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Oct 31, 25 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Jul 29, 25 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Feb 3, 25 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Oct 30, 24 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Jul 31, 24 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Oct 25, 22 | Piper Sandler | UPGRADE | Neutral | Overweight |
| Oct 25, 21 | Piper Sandler | DOWNGRADE | Overweight | Neutral |
Dividends & splits
Forward rate$1.12 / yr
Forward yield2.90%
5-year avg yield4.04%
Payout ratio41.33%
Ex-dividend dateSep 28, 2026
Next pay dateSep 30, 2026
Last split11:10
Split dateMar 11, 2008
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-28
Corporate Changes & Voting Matters
8-K · 2026-09-21
Corporate Changes & Voting Matters
8-K · 2026-08-27
Corporate Changes & Voting Matters
8-K · 2026-08-14
Periodic Financial Reports
10-Q · 2026-08-10
Offering Registrations
S-4/A · 2026-08-06
Offering Registrations
S-4/A · 2026-08-04
Offering Registrations
S-4 · 2026-07-24
Headlines
Isabella Bank, Grand River Commerce Receive Regulatory Approvals for Merger
MT Newswires · 19h ago
Isabella Bank Corporation and Grand River Commerce, Inc. Announce Receipt of Regulatory Approvals and Closing Date for Merger
ACCESS Newswire · 19h ago
Isabella Bank Corporation and Grand River Commerce, Inc. Announce Mailing of Election Materials and Election Deadline
ACCESS Newswire · 9d ago
Isabella Bank Corp's Dividend Analysis
GuruFocus.com · 9d ago
Isabella Bank Corporation Announces Third Quarter 2026 Dividend
ACCESS Newswire · 41d ago
Isabella Bank Corporation (ISBA) Lags Q2 Earnings and Revenue Estimates
Zacks · 76d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.