Isabella Bank (FRA:358) Cyclically Adjusted PS Ratio: (As of Sep. 05, 2026)

Author: Vera Yuan Vera Yuan
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Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:358 Isabella Bank Corp FRA:358
65 GF Score
Price €30.40
GF Value €24.70
! 1 Warning Sign
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What is Isabella Bank Cyclically Adjusted PS Ratio?

Note: If the price history is too short, we do not calculate current Cyclically Adjusted PS Ratio for this stock. All the historical data is shown as the company's primary share's data instead.

Shiller PE for Stocks: The True Measure of Stock Valuation


Isabella Bank  (FRA:358) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Isabella Bank Cyclically Adjusted PS Ratio Related Terms


Isabella Bank Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Isabella Bank's Cyclically Adjusted PS Ratio 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 PS Ratio Chart

Isabella Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.26 2.81 2.46 2.86 5.26

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 PS Ratio 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 3.23 3.73 5.26 4.69 3.98

FRA:358 vs CFFI, CCFN, CBNA: Cyclically Adjusted PS Ratio Comparison

For the Banks - Regional subindustry, Isabella Bank's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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 PS Ratio vs Banks Industry

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

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


FRA:358
65GF Score
Isabella Bank Corp FRA:358
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Isabella Bank Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Isabella Bank's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

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

Adj_RevenuePerShare=Revenue per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=2.583/333.9520*333.9520
=2.583

Current CPI (Jun. 2026) = 333.9520.

Isabella Bank Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 1.480 241.428 2.047
201612 1.526 241.432 2.111
201703 1.552 243.801 2.126
201706 1.514 244.955 2.064
201709 1.450 246.819 1.962
201712 1.478 246.524 2.002
201803 1.389 249.554 1.859
201806 1.515 251.989 2.008
201809 1.528 252.439 2.021
201812 1.584 251.233 2.106
201903 1.545 254.202 2.030
201906 1.623 256.143 2.116
201909 1.724 256.759 2.242
201912 1.571 256.974 2.042
202003 1.630 258.115 2.109
202006 1.652 257.797 2.140
202009 1.654 260.280 2.122
202012 1.691 260.474 2.168
202103 1.675 264.877 2.112
202106 1.582 271.696 1.944
202109 1.687 274.310 2.054
202112 1.893 278.802 2.267
202203 1.950 287.504 2.265
202206 2.201 296.311 2.481
202209 2.412 296.808 2.714
202212 2.315 296.797 2.605
202303 2.206 301.836 2.441
202306 2.180 305.109 2.386
202309 2.135 307.789 2.316
202312 2.080 306.746 2.264
202403 1.990 312.332 2.128
202406 2.066 314.175 2.196
202409 2.111 315.301 2.236
202412 2.362 315.605 2.499
202503 2.186 319.799 2.283
202506 2.150 322.561 2.226
202509 2.297 324.800 2.362
202512 2.395 324.054 2.468
202603 2.441 330.213 2.469
202606 2.583 333.952 2.583

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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.

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

Based on GuruFocus' analysis, Isabella Bank stock appears to be overvalued. The current stock price of €30.40 is trading 23.1% above its estimated GF Value™ of €24.70.

Key valuation signals for FRA:358:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: €24.70 vs. price of €30.40 (23.1% above fair value)
  • GF Score™: 65/100 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.
65GF Score

Get the complete analysis for FRA:358

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

€30.40
Price
€24.70
GF Value