Isabella Bank (FRA:358) Cyclically Adjusted Book per Share: €0.00 (As of Jun. 2026)

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FRA:358 Isabella Bank Corp FRA:358
67 GF Score
Price €30.60
GF Value €25.07
! 1 Warning Sign
View Full Analysis

What is Isabella Bank Cyclically Adjusted Book per Share?

Isabella Bank FRA:358 +2.68% 67 Cyclically Adjusted Book per Share is €0.00 as of Jun. 2026. GuruFocus rates FRA:358 with a GF Score™ of 67/100 and a GF Value™ of €25.07. The stock has 1 warning sign investors should review.

Note: As Cyclically Adjusted Book per Share is a main component used to calculate Cyclically Adjusted PB Ratio. If the month end stock price for this stock is zero, result may not be accurate due to the exchange rate between different shares and the data will not be stored into our database. Selected historical data showed in the calculation section below is only for demostration purpose.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Isabella Bank's adjusted book value per share for the three months ended in Jun. 2026 was €28.297. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €0.00 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Isabella Bank's average Cyclically Adjusted Book Growth Rate was 3.10% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 2.50% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 4.10% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 4.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Isabella Bank was 6.70% per year. The lowest was 2.50% per year. And the median was 5.00% per year.

As of today (2026-09-04), Isabella Bank's current stock price is €30.60. Isabella Bank's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was €0.00. Isabella Bank's Cyclically Adjusted PB Ratio of today is .

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Isabella Bank was 1.80. The lowest was 0.59. And the median was 0.93.


Isabella Bank  (FRA:358) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Isabella Bank was 1.80. The lowest was 0.59. And the median was 0.93.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Isabella Bank Cyclically Adjusted Book per Share Related Terms


Isabella Bank Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Isabella Bank's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Isabella Bank Cyclically Adjusted Book per Share Chart

Isabella Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
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Isabella Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

FRA:358 vs CFFI, CCFN, CBNA: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Isabella Bank's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Isabella Bank Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Isabella Bank's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Isabella Bank's Cyclically Adjusted PB Ratio falls into.


FRA:358
67GF Score
Isabella Bank Corp FRA:358
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Isabella Bank Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Isabella Bank's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=28.297/333.9520*333.9520
=28.297

Current CPI (Jun. 2026) = 333.9520.

Isabella Bank Quarterly Data

Book Value per Share CPI Adj_Book
201609 22.265 241.428 30.798
201612 22.852 241.432 31.609
201703 22.828 243.801 31.269
201706 22.147 244.955 30.193
201709 21.057 246.819 28.491
201712 21.045 246.524 28.508
201803 19.699 249.554 26.361
201806 20.767 251.989 27.522
201809 20.672 252.439 27.347
201812 21.882 251.233 29.087
201903 22.698 254.202 29.819
201906 23.379 256.143 30.481
201909 24.428 256.759 31.772
201912 23.993 256.974 31.180
202003 24.759 258.115 32.033
202006 24.672 257.797 31.960
202009 23.715 260.280 30.428
202012 22.635 260.474 29.020
202103 23.227 264.877 29.284
202106 23.324 271.696 28.668
202109 24.052 274.310 29.282
202112 24.795 278.802 29.700
202203 23.575 287.504 27.384
202206 23.882 296.311 26.916
202209 23.582 296.808 26.533
202212 23.255 296.797 26.166
202303 23.949 301.836 26.497
202306 23.199 305.109 25.392
202309 23.587 307.789 25.592
202312 25.304 306.746 27.548
202403 25.228 312.332 26.974
202406 25.724 314.175 27.343
202409 26.400 315.301 27.962
202412 27.577 315.605 29.180
202503 26.915 319.799 28.106
202506 25.968 322.561 26.885
202509 26.359 324.800 27.102
202512 26.989 324.054 27.813
202603 28.092 330.213 28.410
202606 28.297 333.952 28.297

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €0.00 mean?
Isabella Bank (FRA:358) has a Cyclically Adjusted Book per Share of €0.00 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Isabella Bank and its competitors.
Is Isabella Bank's Cyclically Adjusted Book per Share too high?
Isabella Bank's current Cyclically Adjusted Book per Share is €0.00. Overall, Isabella Bank has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does Isabella Bank's Cyclically Adjusted Book per Share compare to CFFI and CCFN?
Isabella Bank's Cyclically Adjusted Book per Share of €0.00 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Isabella Bank and its competitors. Isabella Bank's current Cyclically Adjusted Book per Share is €0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Isabella Bank stock overvalued right now?
Isabella Bank (FRA:358) has a current Cyclically Adjusted Book per Share of €0.00. The stock's GF Value™ is €25.07, compared to a current price of €30.60 — trading 22.1% above its estimated fair value. The current Cyclically Adjusted Book per Share is €0.00. Isabella Bank's overall GF Score™ is 67/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Isabella Bank (FRA:358), the current Cyclically Adjusted Book per Share is €0.00 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Isabella Bank (FRA:358) Overvalued in 2026?

Based on GuruFocus' analysis, Isabella Bank stock appears to be overvalued. The current stock price of €30.60 is trading 22.1% above its estimated GF Value™ of €25.07.

Key valuation signals for FRA:358:

  • Cyclically Adjusted Book per Share: €0.00
  • GF Value™: €25.07 vs. price of €30.60 (22.1% above fair value)
  • GF Score™: 67/100 with 1 warning sign

No single metric tells the full story. See the FRA:358 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Isabella Bank Business Description

Other Exchanges ISBA:USA
Address 401 North Main Street, Mount Pleasant, MI, USA, 48858
Isabella Bank Corp is a U.S based financial service holding company. It offers banking services to businesses, institutions, and individuals. The company's lending activities include loans made according to commercial and agricultural operating and real estate purposes, residential real estate loans, and consumer loans. Deposit services offered include checking accounts, savings accounts, certificates of deposit, direct deposits, cash management services, mobile and internet banking, electronic bill pay services and automated teller machines. It also offers full-service trust and brokerage services.
67GF Score

Get the complete analysis for FRA:358

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€30.60
Price
€25.07
GF Value