Isabella Bank (FRA:358) Cyclically Adjusted PS Ratio: (As of Jul. 21, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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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
64 GF Score
Price €30.60
GF Value €21.95
! 3 Warning Signs
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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
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 2.56 3.23 3.73 5.26 4.69

FRA:358 vs : 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
64GF 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 Mar. 2026 is calculated as:

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

Adj_RevenuePerShare=Revenue per Share/CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.822/330.2130*330.2130
=2.822

Current CPI (Mar. 2026) = 330.2130.

Isabella Bank Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 1.589 241.018 2.177
201609 1.661 241.428 2.272
201612 1.609 241.432 2.201
201703 1.660 243.801 2.248
201706 1.701 244.955 2.293
201709 1.729 246.819 2.313
201712 1.749 246.524 2.343
201803 1.713 249.554 2.267
201806 1.770 251.989 2.319
201809 1.784 252.439 2.334
201812 1.802 251.233 2.368
201903 1.745 254.202 2.267
201906 1.833 256.143 2.363
201909 1.899 256.759 2.442
201912 1.745 256.974 2.242
202003 1.801 258.115 2.304
202006 1.860 257.797 2.382
202009 1.948 260.280 2.471
202012 2.057 260.474 2.608
202103 1.994 264.877 2.486
202106 1.906 271.696 2.317
202109 1.985 274.310 2.390
202112 2.139 278.802 2.533
202203 2.148 287.504 2.467
202206 2.327 296.311 2.593
202209 2.388 296.808 2.657
202212 2.452 296.797 2.728
202303 2.362 301.836 2.584
202306 2.362 305.109 2.556
202309 2.278 307.789 2.444
202312 2.269 306.746 2.443
202403 2.163 312.332 2.287
202406 2.224 314.175 2.338
202409 2.344 315.301 2.455
202412 2.473 315.605 2.587
202503 2.364 319.799 2.441
202506 2.468 322.561 2.527
202509 2.696 324.800 2.741
202512 2.804 324.054 2.857
202603 2.822 330.213 2.822

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 €30.60 is trading 39.4% above its estimated GF Value™ of €21.95.

Key valuation signals for FRA:358:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: €21.95 vs. price of €30.60 (39.4% above fair value)
  • GF Score™: 64/100 with 3 warning signs

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

Comparable Companies
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.
64GF 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.

€30.60
Price
€21.95
GF Value