SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Isabella Bank Corporation (ISBA) trades at a trailing P/E of 18.5, forward P/E of 13.6. Trailing earnings yield is 5.39%, forward earnings yield 7.36%. PEG 0.49 (Peter Lynch undervalued ≤1.0). Graham Number is $42.52.
Criteria proven by this page:
- VALUE (51/100, Partial) — mixed signals — some valuation metrics are favorable while others are stretched.
- Forward P/E 13.6 (down from trailing 18.5) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.49 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 5.39% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 7.36% as earnings recover.
- Analyst consensus target $54.00 (+10.4% upside) — modest upside expected.
Overall SharesGrow Score: 53/100 with 2/7 criteria passed.
SharesGrow 7-Criteria Score
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VALUE
51/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
17/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — ISBA
Valuation Multiples
P/E (TTM)18.5
Forward P/E13.6
PEG Ratio0.49
Forward PEG0.33
P/B Ratio1.51
P/S Ratio3.11
EV/EBITDA21.1
Per Share Data
EPS (TTM)$2.56
Forward EPS (Est.)$3.60
Book Value / Share$31.35
Revenue / Share$15.18
FCF / Share$3.16
Yields & Fair Value
Earnings Yield5.39%
Forward Earnings Yield7.36%
Dividend Yield2.36%
Graham Number$42.52
SharesGrow IV$74.57 (+52.5%)
Analyst Target$54.00 (+10.4%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
15.8 |
-1.71 |
1.16 |
3.50 |
3.51% |
| 2017 |
16.7 |
-3.70 |
1.14 |
3.29 |
3.61% |
| 2018 |
12.7 |
2.38 |
0.91 |
2.45 |
4.60% |
| 2019 |
14.8 |
-2.02 |
0.91 |
2.52 |
4.31% |
| 2020 |
14.3 |
-0.84 |
0.71 |
2.06 |
5.47% |
| 2021 |
9.9 |
0.12 |
0.91 |
2.69 |
4.36% |
| 2022 |
8.0 |
0.42 |
0.95 |
2.32 |
4.56% |
| 2023 |
8.9 |
-0.49 |
0.80 |
1.78 |
5.09% |
| 2024 |
13.9 |
-0.60 |
0.92 |
1.90 |
4.21% |
| 2025 |
19.5 |
0.52 |
1.59 |
3.29 |
2.19% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$1.73 |
$62.17M |
$13.8M |
22.2% |
| 2017 |
$1.65 |
$67.35M |
$13.24M |
19.7% |
| 2018 |
$1.74 |
$72.52M |
$14.02M |
19.3% |
| 2019 |
$1.61 |
$76.34M |
$13.02M |
17.1% |
| 2020 |
$1.34 |
$75.75M |
$10.89M |
14.4% |
| 2021 |
$2.45 |
$71.28M |
$19.5M |
27.4% |
| 2022 |
$2.91 |
$76.55M |
$22.24M |
29% |
| 2023 |
$2.40 |
$90.76M |
$18.17M |
20% |
| 2024 |
$1.86 |
$101.71M |
$13.89M |
13.7% |
| 2025 |
$2.56 |
$112M |
$18.91M |
16.9% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$3.60 |
$3.60 – $3.60 |
$92.5M |
$92.5M – $92.5M |
1 |
| 2027 |
$4.00 |
$4.00 – $4.00 |
$100.2M |
$100.2M – $100.2M |
1 |
