Stock fact sheet · data as of
Isabella Bank Corporation (ISBA): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is ISBA undervalued?
ISBA has a margin of safety of 32%: the stock closed at 36.71 on 16 Oct 2026 against a GLS average fair value of 54.14. 5 of the 9 valuation models that produced a number sit above the price. Our screens treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
There is a wide gap between DDM (16.48) and Graham Growth (127.42). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files ISBA under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for ISBA
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 32.51 | -11% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 45.53 | +24% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 127.42 | +247% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 53.60 | +46% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 24.82 | -32% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 80.95 | +121% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 75.74 | +106% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 16.48 | -55% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 30.21 | -18% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -229.55 | -725% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 43.00 | +17% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Isabella Bank Corporation scores 6 of 9 on the Piotroski F-score: a middling result that passes the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability ISBA scores 5.4/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are moderate - ROIC 5.1%, ROE 8.2%, ROA 0.9% - with debt at 0.62 times equity and a free-cash-flow yield of 8.5%.
The dividend yield is 3.05% at a payout ratio of 40%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Debit Card 37%, Fiduciary and Trust 32%, Service Charges And Deposit Account Fees 11% (quarter Q2 FY2026).
Institutional ownership scores 2/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 5.1% |
|---|---|---|---|
| GLS Moat | 5.4 / 10 | ROE | 8.2% |
| Debt / equity | 0.62 | ROA | 0.9% |
| Free-cash-flow yield | 8.5% | Payout ratio | 40% |
| Institutions | 2 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Isabella Bank Corporation in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 48k shares a day on a market cap of $280M, with a beta of 0.03 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 32% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 8 / 15 | moat 5.4/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 48k shares/day, $280M cap, beta 0.03 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Isabella Bank Corporation reports earnings on 16 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Isabella Bank Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| OVLY Oak Valley Bancorp | 33.55 | 42.90 | +22% | 39No options | $282M |
| FRAF Franklin Financial Services Corporation | 62.81 | 121.17 | +48% | 39No options | $283M |
| FUNC First United Corporation | 43.92 | 55.55 | +21% | 39No options | $283M |
| NKSH National Bankshares, Inc. | 43.32 | 49.10 | +12% | 37No options | $276M |
| ATLO Ames National Corporation | 32.15 | 44.93 | +28% | 76Good | $285M |
| VABK Virginia National Bankshares Corporation | 50.69 | 49.93 | -2% | 39No options | $275M |
| FNRN First Northern Community Bancorp | 16.67 | 19.28 | +14% | 39No options | $273M |
| MYFW First Western Financial, Inc. | 29.46 | 31.19 | +6% | 65Good | $288M |
| TRUX Truxton Corporation | 25.13 | 40.32 | +38% | 39No options | $290M |
| WNEB Western New England Bancorp, Inc. | 13.45 | 14.35 | +6% | 66Good | $270M |
| LCNB LCNB Corp. | 18.79 | 24.40 | +23% | 65Good | $268M |
| FXNC First National Corporation | 29.42 | 36.80 | +20% | 39No options | $266M |
⚖ Compare ISBA with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about ISBA
Is ISBA undervalued right now?
By the GLS models, yes: at 36.71 the stock is 32% below the average fair value of 54.14 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of ISBA and what does it mean?
ISBA has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for ISBA?
54.14 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Isabella Bank Corporation report earnings next?
The next earnings report is due on 16 Oct 2026 (after the close), 0 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does ISBA have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on ISBA, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.