ISABELLA BANK CORP(ISBA)Stock Analysis
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Not in ranked universe
Limited institutional coverage
Quality rankings require at least 50 unique 13-F institutional holders to ensure peer comparisons are meaningful. Only 43 institutional filers currently hold this stock.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
ISBA Stock Analysis & AI Quality Score
AI stock analysis and institutional research for ISABELLA BANK CORP (ISBA), a Financials sector company. ISBA is not currently included in 13F Pro's AI-ranked quality universe — quality rankings require at least 50 unique 13-f institutional holders to ensure peer comparisons are meaningful. only 43 institutional filers currently hold this stock. Based on the latest XBRL financial filings (Q1 2026), ISABELLA BANK CORP reports quarterly revenue of $21.2M, net income of $5.0M, free cash flow of $3.2M. Top institutional holders of ISBA by reported 13-F value include VANGUARD CAPITAL MANAGEMENT, MILLENNIUM MANAGEMENT, BlackRock,, based on the most recent SEC filings. ISBA trades on the Nasdaq exchange and files with the SEC under CIK 842517. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ISBA daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for ISABELLA BANK CORP directly from SEC EDGAR.
Revenue
Q1 2026
$21.2M
Net Income
Q1 2026
$5.0M
Free Cash Flow
Q1 2026
$3.2M
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+36.2% YoYEPS (Diluted)
+37.6% YoYTotal Assets
+5.9% YoYTotal Debt
+26.1% YoYOp. Cash Flow
+36.6% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Net Income | $18.9M +36.2% | $13.9M -23.5% | $18.2M -18.3% | $22.2M +14.0% | $19.5M +79.1% | $10.9M |
| EPS (Diluted) | $2.56 +37.6% | $1.86 -22.5% | $2.40 -17.5% | $2.91 +18.8% | $2.45 +82.8% | $1.34 |
| Total Assets | $2.21B +5.9% | $2.09B +1.3% | $2.06B +1.4% | $2.03B -0.1% | $2.03B +3.8% | $1.96B |
| Total Debt | $142.5M +26.1% | $113.0M -2.7% | $116.1M +33.5% | $87.0M -12.4% | $99.3M -37.4% | $158.7M |
| Operating Cash Flow | $26.8M +36.6% | $19.6M -18.8% | $24.2M -10.1% | $26.9M +5.4% | $25.5M +15.9% | $22.0M |
AI Insight: ISBA Financial Trends
Net income grew 67% from $3M in Q2 2024 to $5M in Q1 2026, while total debt declined from $119M to $73M before recent uptick.
• Net income increased from $3M in Q2 2024 to $5M in Q1 2026, representing 67% growth over eight quarters.
• Total debt decreased from $119M in Q2 2024 to $73M in Q2 2025, reducing leverage substantially.
• Equity steadily expanded from $202M in Q2 2024 to $234M in Q1 2026, showing consistent balance sheet strengthening.
⚠ Total debt spiked from $73M in Q2 2025 to $143M in Q4 2025, reversing the prior deleveraging trend.
⚠ Operating cash flow shows high volatility, ranging from $3M to $12M across recent quarters with no clear pattern.
AI Insight: ISBA Ratio Trends
ROIC surged to 10.2% in Q1 2026, the highest level in the dataset, while ROE and ROA have stabilized above 8% and 0.9% respectively.
• ROIC jumped from 7.3% in Q4 2025 to 10.2% in Q1 2026, reaching its peak performance in the dataset.
• ROE improved from 6.2% in Q3 2024 to 8.5% in Q1 2026, showing sustained profitability enhancement.
• ROA increased from 0.6% in Q3 2024 to 0.9% in Q1 2026, indicating better asset utilization.
⚠ D/E ratio volatile, dropping from 0.62 in Q4 2025 to unavailable in Q1 2026, obscuring leverage trends.
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Available Research
13F Pro tracks comprehensive data for ISABELLA BANK CORP including:
Top Institutional Holders of ISBA
VANGUARD CAPITAL MANAGEMENT LLC
$12.5M274,048 shMILLENNIUM MANAGEMENT LLC
$4.9M107,356 shBlackRock, Inc.
$4.6M100,201 shSUSQUEHANNA INTERNATIONAL GROUP, LLP
$4.3M94,742 shGEODE CAPITAL MANAGEMENT, LLC
$3.7M80,402 shMARSHALL WACE, LLP
$2.5M53,678 shVANGUARD FIDUCIARY TRUST CO
$1.9M40,754 shHARBOUR INVESTMENTS, INC.
$1.2M27,021 shSTATE STREET CORP
$1.0M22,052 shQube Research & Technologies Ltd
$983.5K21,534 sh
| Fund | Value | Shares |
|---|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | $12.5M | 274,048 |
| MILLENNIUM MANAGEMENT LLC | $4.9M | 107,356 |
| BlackRock, Inc. | $4.6M | 100,201 |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $4.3M | 94,742 |
| GEODE CAPITAL MANAGEMENT, LLC | $3.7M | 80,402 |
| MARSHALL WACE, LLP | $2.5M | 53,678 |
| VANGUARD FIDUCIARY TRUST CO | $1.9M | 40,754 |
| HARBOUR INVESTMENTS, INC. | $1.2M | 27,021 |
| STATE STREET CORP | $1.0M | 22,052 |
| Qube Research & Technologies Ltd | $983.5K | 21,534 |
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Popular Research
Is ISBA a good stock to buy?
13F Pro's AI-powered analysis of ISABELLA BANK CORP (ISBA) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for ISBA are available on the ISBA stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own ISBA?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling ISBA. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of ISABELLA BANK CORP's investment landscape.