Isabella Bank Corporation (ISBA) compounding analysis
Full-size annual and quarterly year-over-year growth charts for revenue, EPS, operating cash flow, EBITDA, and free cash flow against the 15%, 20%, and 30% bars over 3-, 5-, and 10-year windows, with each metric's valuation multiple vs its own history.
Revenue · 5YDoes not currently clear the 15%+, 20%+, or 30%+ revenue bars over 5Y.
- Score
- 24/100
- 5Y CAGR
- 8.1%
- Median YoY
- 10.4%
- YoY volatility
- σ 9.2pp· smooth
- Quarters ≥ 20%
- 3 of 20
- Negative quarters
- 4
- Valuation vs own 5Y history
- P/S 2.6x · 5Y median 2.3x · 74th percentile
How this score is computed
- Quarters at or above 20%: 3 of 20 → 6 of 40 pts
- Steadiness (typical swing 9.2pp) → 18.4 of 25 pts
- Pace (median 10.4% YoY) → 0 of 20 pts
- Latest quarter (14.9% YoY) → 0 of 15 pts
- Score: 24 of 100
Annual revenue · last 11 fiscal years
Quarterly YoY revenue growth vs the 20% line · 5Y
P/S multiple vs its 5Y median · context only
Across metrics · 5Y
| Metric | 5Y CAGR | Median YoY | YoY σ | Qtrs ≥ 20% | Neg. qtrs |
|---|---|---|---|---|---|
| RevenueRevenue | 8.1% | 10.4% | 9.2pp | 3 of 20 | 4 |
| EPSEPS | 13.8% | 11.3% | 32.0pp | 8 of 20 | 7 |
| Op cash flowOperating cash flow | 4% | 0.8% | 52.0pp | 8 of 20 | 10 |
| EBITDAEBITDA | 8.2% | 10.2% | 30.6pp | 6 of 20 | 7 |
| FCFFree cash flow | 2.6% | -3.7% | 61.1pp | 9 of 20 | 10 |
Reported figures over 5Y: annual-series CAGR, median and standard deviation (σ, percentage points) of quarterly year-over-year growth, quarters at or above 20%, and quarters with negative YoY. “—” means the window needs more comparable data.
Scores, qualification bars, and the 0–100 consistency methodology are documented on the compounders list page →
See also: ISBA on the compounders surface · All compounders, ranked
About Isabella Bank Corporation
Isabella Bank Corporation serves as the parent company for Isabella Bank, providing a comprehensive suite of banking products and financial services. Its diverse clientele includes businesses, institutions, private individuals, and families. The bank facilitates savings through various deposit options, such as checking and savings accounts, certificates of deposit (CDs), direct deposit services, and money market accounts. Its lending solutions are extensive, comprising commercial, agricultural, and residential real estate loans, alongside consumer credit offerings, including both secured and unsecured personal loans. Beyond core banking, Isabella Bank Corporation offers a range of additional amenities. These include cash management tools, mobile and internet banking platforms, electronic bill payment, automated teller machines (ATMs), specialized trust and investment advisory, estate planning assistance, and safe deposit box rentals. The corporation also extends its services to include group life, health, accident, and disability insurance products, as well as various other employee benefit programs. As of December 31, 2021, the company maintained 30 branch locations situated in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. With a heritage dating back to its founding in 1903, Isabella Bank Corporation is headquartered in Mount Pleasant, Michigan.
- Sector
- Financial Services
- Industry
- Banks - Regional
- CEO
- Jerome E. Schwind