Valuation remains strong (avg 90/100), but growth is pulling the composite down (avg 50/100).
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
1.2x book, reasonable for a financial
Not enough quarterly data
for a 1-year trend
Below 2%, essentially flat
Above 8% book-value compounding, strong
Business Quality & Capital Allocation
Shrinking >2%, active buybacks
5–10%, adequate but not exceptional
11.0% equity/assets, comfortable cushion
Net margin expanded 3+pp, strong improvement
Isabella Bank (ISBA) quality: score, margins and returns
Isabella Bank (ISBA) scores 77/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.
Frequently asked
Is Isabella Bank (ISBA) a high-quality business?+
Isabella Bank scores 77 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a solid business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Isabella Bank's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from ISBA's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Isabella Bank scores well and where it falls behind.
SourceQuality score computed from the 10-Q filed 28 Oct 2026, covering the period ending 30 Sept 2026, as reported to the SEC. Data last refreshed 31 Oct 2026. How this is calculated.
Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
Peers
State Commercial Banks · Pick stocks to compare with ISBA
Held by ETFs
ISBA is in 8 US ETFs. The largest of them, with ISBA's weight in each:
Avantis U.S. Small Cap Value ETFAVUV0.00%of the fund
iShares Russell 2000 Value ETFIWN0.02%of the fund
Vanguard Russell 2000 Value Index FundVTWV0.02%of the fund
First Trust Dow Jones Select MicroCap Index FundFDM0.45%of the fund
SPDR SSGA US Small Cap Low Volatility Index ETFSMLV0.17%of the fund
Spot a number that looks wrong? Check it in ISBA's SEC filings or
Download this analysis as a PDF (Pro)
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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