Isabella Bank (FRA:358) E10: €0.00 (As of Jun. 2026)

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FRA:358 Isabella Bank Corp FRA:358
67 GF Score
Price €30.40
GF Value €25.07
! 1 Warning Sign
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What is Isabella Bank E10?

Isabella Bank FRA:358 -0.65% 67 E10 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 E10 is a main component used to calculate Shiller PE 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 sectione below is only for demostration purpose.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Isabella Bank's adjusted earnings per share data for the three months ended in Jun. 2026 was €0.599. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €0.00 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Isabella Bank's average E10 Growth Rate was 5.10% per year. During the past 3 years, the average E10 Growth Rate was 2.70% per year. During the past 5 years, the average E10 Growth Rate was 5.90% per year. During the past 10 years, the average E10 Growth Rate was 6.10% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Isabella Bank was 9.20% per year. The lowest was 1.50% per year. And the median was 5.40% per year.

As of today (2026-09-05), Isabella Bank's current stock price is €30.40. Isabella Bank's E10 for the quarter that ended in Jun. 2026 was €0.00. Isabella Bank's Shiller PE Ratio of today is .

During the past 13 years, the highest Shiller PE Ratio of Isabella Bank was 23.97. The lowest was 7.79. And the median was 13.01.


Isabella Bank  (FRA:358) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

During the past 13 years, the highest Shiller P/E Ratio of Isabella Bank was 23.97. The lowest was 7.79. And the median was 13.01.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Isabella Bank E10 Related Terms


Isabella Bank E10 Historical Data

* Premium members only.

The historical data trend for Isabella Bank's E10 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 E10 Chart

Isabella Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Isabella Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 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: E10 Comparison

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

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

* The bar in red indicates where Isabella Bank's Shiller PE Ratio falls into.


FRA:358
67GF Score
Isabella Bank Corp FRA:358
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Isabella Bank E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.599/333.9520*333.9520
=0.599

Current CPI (Jun. 2026) = 333.9520.

Isabella Bank Quarterly Data

per share eps CPI Adj_EPS
201609 0.401 241.428 0.555
201612 0.455 241.432 0.629
201703 0.365 243.801 0.500
201706 0.427 244.955 0.582
201709 0.369 246.819 0.499
201712 0.287 246.524 0.389
201803 0.349 249.554 0.467
201806 0.351 251.989 0.465
201809 0.394 252.439 0.521
201812 0.387 251.233 0.514
201903 0.381 254.202 0.501
201906 0.460 256.143 0.600
201909 0.499 256.759 0.649
201912 0.099 256.974 0.129
202003 0.344 258.115 0.445
202006 0.462 257.797 0.598
202009 0.458 260.280 0.588
202012 -0.082 260.474 -0.105
202103 0.563 264.877 0.710
202106 0.473 271.696 0.581
202109 0.493 274.310 0.600
202112 0.558 278.802 0.668
202203 0.563 287.504 0.654
202206 0.653 296.311 0.736
202209 0.778 296.808 0.875
202212 0.784 296.797 0.882
202303 0.654 301.836 0.724
202306 0.563 305.109 0.616
202309 0.543 307.789 0.589
202312 0.468 306.746 0.510
202403 0.386 312.332 0.413
202406 0.427 314.175 0.454
202409 0.396 315.301 0.419
202412 0.516 315.605 0.546
202503 0.490 319.799 0.512
202506 0.593 322.561 0.614
202509 0.605 324.800 0.622
202512 0.547 324.054 0.564
202603 0.588 330.213 0.595
202606 0.599 333.952 0.599

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €0.00 mean?
Isabella Bank (FRA:358) has a E10 of €0.00 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Isabella Bank and its competitors.
Is Isabella Bank's E10 too high?
Isabella Bank's current E10 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 E10 compare to CFFI and CCFN?
Isabella Bank's E10 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Isabella Bank and its competitors. Isabella Bank's current E10 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 E10 of €0.00. The stock's GF Value™ is €25.07, compared to a current price of €30.40 — trading 21.3% above its estimated fair value. The current E10 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 E10 calculated?
E10 is calculated from a company's financial statements. For Isabella Bank (FRA:358), the current E10 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 €30.40 is trading 21.3% above its estimated GF Value™ of €25.07.

Key valuation signals for FRA:358:

  • E10: €0.00
  • GF Value™: €25.07 vs. price of €30.40 (21.3% 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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€30.40
Price
€25.07
GF Value