Isabella BankISBA +0.75%53 EV-to-FCF is 18.04 as of Jun. 26, 2026, which is 39% above its 10-year median of 12.98. GuruFocus rates ISBA with a GF Score™ of 53/100 and a GF Value™ of $28.32 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,195 Banks companies, Isabella Bank ranks worse than 80.59% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Isabella Bank's Enterprise Value is $413.51 Mil.
Isabella Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $22.92 Mil. Therefore, Isabella Bank's EV-to-FCF for today is 18.04.
The historical rank and industry rank for Isabella Bank's EV-to-FCF or its related term are showing as below:
ISBA'
s EV-to-FCF Range Over the Past 10 Years
Min: -2.4 Med: 12.98 Max: 54.6
Current: 18.04
During the past 13 years, the highest EV-to-FCF of Isabella Bank was 54.60. The lowest was -2.40. And the median was 12.98.
ISBA's EV-to-FCF is ranked worse than 80.59% of 1195
companies
in the Banks industry
Industry Median: 6.52
vs ISBA: 18.04
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Isabella Bank's PE Ratio (TTM) for today is calculated as:
Isabella Bank's share price for today is $40.15.
Isabella Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.710.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Isabella Bank EV-to-FCF Related Terms
Isabella Bank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Isabella Bank's EV-to-FCF 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.
For the Banks - Regional subindustry, Isabella Bank's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Isabella Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Isabella Bank's EV-to-FCF falls into.
Isabella Bank's current Enterprise Value is $413.51 Mil.
Isabella Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $22.92 Mil.
* 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 (ISBA) has a EV-to-FCF of 18.04 as of Jun. 26, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Isabella Bank and its competitors. This is 39% above median its historical median of 12.98. According to the industry distribution chart, Isabella Bank ranks #963 out of 1195 companies in the Banks industry, placing it in the top 80.6%.
Is Isabella Bank's EV-to-FCF too high?
Isabella Bank's current EV-to-FCF of 18.04 is 39% above median its 10-year median of 12.98. The Banks industry median EV-to-FCF is 6.52. Isabella Bank's value of 18.04 is 176.7% above this industry median. Based on the distribution chart, Isabella Bank ranks #963 out of 1195 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 EV-to-FCF compare to CSHX and BRBS?
According to the Banks industry distribution chart, Isabella Bank ranks #963 out of 1195 companies for EV-to-FCF. This places Isabella Bank in the lower half of its industry. The industry median EV-to-FCF is 6.52. Isabella Bank's value of 18.04 is 176.7% above this benchmark. While the company's 10-year median is 12.98 vs. the industry median of 6.52, Isabella Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.52, based on 1,195 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Isabella Bank's current EV-to-FCF of 18.04 is 176.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Isabella Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Isabella Bank's current EV-to-FCF is 18.04, which is 39% above median its own 10-year median of 12.98. 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 $28.32, compared to a current price of $40.15 — trading 41.8% above its estimated fair value. The current EV-to-FCF is 18.04, which is 39% above median its 10-year median of 12.98 and 176.7% above the Banks industry median of 6.52. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Isabella Bank (ISBA), the current EV-to-FCF is 18.04 as of Jun. 26, 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 $40.15 is trading 41.8% above its estimated GF Value™ of $28.32.
GuruFocus considers Isabella Bank to be Significantly Overvalued.
Key valuation signals for ISBA:
EV-to-FCF: 18.04 (39% above median its 10-year median of 12.98)
GF Value™: $28.32 vs. price of $40.15 (41.8% above fair value)
Industry Position: 176.7% above the Banks median (#963 of 1195)
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.
53GF Score
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