ISABELLA BANK CORP (ISBA)
State Commercial Banks · Financial Services · $293M
Intrinsic Value (Consensus)
$66.98
Current Price
$40.00
Margin of Safety
+67.5%
67.5% Below Intrinsic Value
Value: $67
Price: $40
Valuation Model Estimates
Current Price: $40.00
DCF (Discounted Cash Flow)
$149.24
Graham Number
$42.63
Earnings Power Value
$24.85
Relative Value (P/E)
$51.20
Dividend Discount Model
Not applicable
—
Consensus Value
$66.98
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
70
Profitability
15/25
Strength
17/25
Valuation
22/25
Growth
16/25
Financial Health Signals
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $2.56
- EPS (Forward)
- $3.07
- Book Value
- $31.55
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 8.2%
- Debt/Equity
- —
- Revenue Growth
- 5.0%
- Earnings Growth
- 20.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance