ISBA (Isabella Bank) Cyclically Adjusted Revenue per Share: $9.75 (As of Mar. 2026)


ISBA Isabella Bank Corp ISBA
53 GF Score
Price $40.83
GF Value $28.45
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Isabella Bank Cyclically Adjusted Revenue per Share?

Isabella Bank ISBA +0.55% 53 Cyclically Adjusted Revenue per Share is $9.75 as of Mar. 2026. GuruFocus rates ISBA with a GF Score™ of 53/100 and a GF Value™ of $28.45 (Significantly Overvalued). The stock has 3 warning signs investors should review.

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 Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Isabella Bank's adjusted revenue per share for the three months ended in Mar. 2026 was $2.822. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $9.75 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Isabella Bank's average Cyclically Adjusted Revenue Growth Rate was 5.60% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 4.40% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 5.40% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was 4.30% 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 Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Isabella Bank was 18.80% per year. The lowest was 2.00% per year. And the median was 6.40% per year.

As of today (2026-07-05), Isabella Bank's current stock price is $40.83. Isabella Bank's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $9.75. Isabella Bank's Cyclically Adjusted PS Ratio of today is 4.19.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Isabella Bank was 5.99. The lowest was 2.02. And the median was 3.19.


Isabella Bank  (NAS:ISBA) Cyclically Adjusted Revenue per Share Explanation

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

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS 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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Isabella Bank's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=40.83/9.75
=4.19

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Isabella Bank was 5.99. The lowest was 2.02. And the median was 3.19.


Be Aware

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


Isabella Bank Cyclically Adjusted Revenue per Share Related Terms


Isabella Bank Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Isabella Bank's Cyclically Adjusted Revenue 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 Revenue per Share Chart

Isabella Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.81 8.36 8.75 9.08 9.50

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 Revenue 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 9.23 9.34 9.45 9.50 9.75

ISBA vs NASB, FUNC, VLNT: Cyclically Adjusted Revenue per Share 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.


ISBA
53GF Score
Isabella Bank Corp ISBA
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Isabella Bank Cyclically Adjusted Revenue 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 Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

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

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue 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 Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

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

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.

What does a Cyclically Adjusted Revenue per Share of $9.75 mean?
Isabella Bank (ISBA) has a Cyclically Adjusted Revenue per Share of $9.75 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Isabella Bank and its competitors.
Is Isabella Bank's Cyclically Adjusted Revenue per Share too high?
Isabella Bank's current Cyclically Adjusted Revenue per Share is $9.75. Overall, Isabella Bank has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Isabella Bank's Cyclically Adjusted Revenue per Share compare to NASB and FUNC?
Isabella Bank's Cyclically Adjusted Revenue per Share of $9.75 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 Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue 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 Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Isabella Bank and its competitors. Isabella Bank's current Cyclically Adjusted Revenue per Share is $9.75. 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?
Based on GuruFocus' analysis, Isabella Bank (ISBA) is currently considered Significantly Overvalued. The stock's GF Value™ is $28.45, compared to a current price of $40.83 — trading 43.5% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $9.75. Isabella Bank's overall GF Score™ is 53/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Isabella Bank (ISBA), the current Cyclically Adjusted Revenue per Share is $9.75 as of Mar. 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 (ISBA) Overvalued in 2026?

Based on GuruFocus' analysis, Isabella Bank stock appears to be overvalued. The current stock price of $40.83 is trading 43.5% above its estimated GF Value™ of $28.45. GuruFocus considers Isabella Bank to be Significantly Overvalued.

Key valuation signals for ISBA:

  • Cyclically Adjusted Revenue per Share: $9.75
  • GF Value™: $28.45 vs. price of $40.83 (43.5% above fair value)
  • GF Score™: 53/100 with 3 warning signs

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


Isabella Bank Business Description

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.
53GF Score

Get the complete analysis for ISBA

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

$40.83
Price
$28.45
GF Value