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Isabella BankISBA -1.71%66 3-Year EPS without NRI Growth Rate is -4.20% as of Jun. 2026. GuruFocus rates ISBA with a GF Score™ of 66/100 and a GF Value™ of $32.61 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,404 Banks companies, Isabella Bank ranks worse than 79.34% on this metric.
During the past 12 months, Isabella Bank's average EPS without NRI Growth Rate was 33.50% per year.
During the past 3 years, the average EPS without NRI Growth Rate was -4.20% per year.
During the past 5 years, the average EPS without NRI Growth Rate was -0.10% per year.
During the past 10 years, the average EPS without NRI 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 average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Isabella Bank was 54.90% per year. The lowest was -31.10% per year. And the median was 2.20% per year.
Isabella Bank (NAS:ISBA) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Isabella Bank 3-Year EPS without NRI Growth Rate Related Terms
ISBA vs CFFI, CCFN, CBNA: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Isabella Bank's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Isabella Bank's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Isabella Bank's 3-Year EPS without NRI Growth Rate falls into.
Isabella Bank 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of -4.20% mean?
Isabella Bank (ISBA) has a 3-Year EPS without NRI Growth Rate of -4.20% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Isabella Bank and its competitors. According to the industry distribution chart, Isabella Bank ranks #1114 out of 1404 companies in the Banks industry, placing it in the top 79.3%.
Is Isabella Bank's 3-Year EPS without NRI Growth Rate too high?
Isabella Bank's current 3-Year EPS without NRI Growth Rate is -4.20%. Based on the distribution chart, Isabella Bank ranks #1114 out of 1404 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Isabella Bank has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Isabella Bank's 3-Year EPS without NRI Growth Rate compare to CFFI and CCFN?
According to the Banks industry distribution chart, Isabella Bank ranks #1114 out of 1404 companies for 3-Year EPS without NRI Growth Rate. This places Isabella Bank in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,404 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Isabella Bank and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Isabella Bank's current 3-Year EPS without NRI Growth Rate is -4.20%. 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 $32.61, compared to a current price of $38.94 — trading 19.4% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is -4.20%. Isabella Bank's overall GF Score™ is 66/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Isabella Bank (ISBA), the current 3-Year EPS without NRI Growth Rate is -4.20% 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 $38.94 is trading 19.4% above its estimated GF Value™ of $32.61.
GuruFocus considers Isabella Bank to be Modestly Overvalued.
Key valuation signals for ISBA:
3-Year EPS without NRI Growth Rate: -4.20%
GF Value™: $32.61 vs. price of $38.94 (19.4% above fair value)
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 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.
66GF Score
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