ISBA (Isabella Bank) Debt-to-Asset : 0.07 (As of Jun. 2026)

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ISBA Isabella Bank Corp ISBA
63 GF Score
Price $39.86
GF Value $32.26
Valuation Modestly Overvalued
! 1 Warning Sign
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What is Isabella Bank Debt-to-Asset?

Isabella Bank ISBA +1.60% 63 Debt-to-Asset is 0.07 as of Jun. 2026. GuruFocus rates ISBA with a GF Score™ of 63/100 and a GF Value™ of $32.26 (Modestly Overvalued). The stock has 1 warning sign investors should review.

Isabella Bank's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $116.01 Mil. Isabella Bank's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $29.56 Mil. Isabella Bank's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was $2,219.64 Mil. Isabella Bank's debt to asset for the quarter that ended in Jun. 2026 was 0.07.

Isabella Bank  (NAS:ISBA) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Isabella Bank Debt-to-Asset Related Terms

Isabella Bank Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Isabella Bank's Debt-to-Asset 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 Debt-to-Asset Chart

Isabella Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.02 0.01 0.03 0.03 0.03

Isabella Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset 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 0.01 0.01 0.03 0.01 0.07

ISBA vs HWBK, ATLO, FXNC: Debt-to-Asset Comparison

For the Banks - Regional subindustry, Isabella Bank's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Isabella Bank's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Isabella Bank's Debt-to-Asset falls into.


ISBA
63GF Score
Isabella Bank Corp ISBA
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Isabella Bank Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Isabella Bank's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 74.514) / 2209.448
=0.03

Isabella Bank's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(116.012 + 29.559) / 2219.641
=0.07

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.07 mean?
Isabella Bank (ISBA) has a Debt-to-Asset of 0.07 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Isabella Bank and its competitors.
Is Isabella Bank's Debt-to-Asset too high?
Isabella Bank's current Debt-to-Asset is 0.07. Overall, Isabella Bank has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Isabella Bank's Debt-to-Asset compare to HWBK and ATLO?
Isabella Bank's Debt-to-Asset of 0.07 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 Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Isabella Bank and its competitors. Isabella Bank's current Debt-to-Asset is 0.07. 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 Modestly Overvalued. The stock's GF Value™ is $32.26, compared to a current price of $39.86 — trading 23.6% above its estimated fair value. The current Debt-to-Asset is 0.07. Isabella Bank's overall GF Score™ is 63/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Isabella Bank (ISBA), the current Debt-to-Asset is 0.07 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 (ISBA) Overvalued in 2026?

Based on GuruFocus' analysis, Isabella Bank stock appears to be overvalued. The current stock price of $39.86 is trading 23.6% above its estimated GF Value™ of $32.26. GuruFocus considers Isabella Bank to be Modestly Overvalued.

Key valuation signals for ISBA:

  • Debt-to-Asset: 0.07
  • GF Value™: $32.26 vs. price of $39.86 (23.6% above fair value)
  • GF Score™: 63/100 with 1 warning sign

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.
63GF Score

Get the complete analysis for ISBA

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$39.86
Price
$32.26
GF Value