
ISBA Stock Forecast & Price Target
ISBA Analyst Ratings
Bulls say
Isabella Bank Corp has demonstrated a solid financial performance, with non-performing assets (NPAs) remaining low at 0.13% of loans, reflecting effective management of credit risk despite a slight increase attributed to one downgraded commercial real estate loan. The institution experienced significant growth in loans, with an increase of $34 million quarter-over-quarter, driven by notable contributions from sectors such as single-family residences and commercial real estate. Additionally, the bank reported strong profitability metrics, including a return on assets of 0.96%, contributing to increases in tangible book value and tangible common equity, thereby underscoring a positive financial outlook.
Bears say
Isabella Bank Corp's financial outlook is negatively impacted by a forecasted flat year-over-year loan growth for the current year, with only a modest increase of 4% anticipated in 2026. Additionally, the company's reserves for loan losses, represented by an ACL of 0.92% of loans, fell slightly, which may indicate concerns regarding the adequacy of provisions amidst a backdrop of expected low-to-mid single-digit loan growth. Furthermore, the updated operating expense outlook suggests a decline in the fourth quarter, underlining challenges in achieving revenue growth amidst changing economic conditions and rising payoffs.
This aggregate rating is based on analysts' research of Isabella Bank Corp and is not a guaranteed prediction by Public.com or investment advice.
ISBA Analyst Forecast & Price Prediction
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