ISBA (Isabella Bank) GF Value : $23.09 (As of Apr. 04, 2025)

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What is Isabella Bank GF Value?

As of today (2025-04-04), Isabella Bank's share price is $22.08. Isabella Bank's GF Value is $23.09. Therefore, Isabella Bank's Price-to-GF-Value for today is 0.96. Based on the relationship between the current stock price and the GF Value, GuruFocus believes Isabella Bank is Fairly Valued.

The GF Value represents the intrinsic value of a stock, determined using GuruFocus' proprietary methodology. The GF Value Line on our stock Summary page provides an estimate of the stock’s fair-trading value.

To calculate this value, GuruFocus follows these steps:

We analyze historical correlations between the stock price and key business performance metrics, such as revenue, earnings, cash flow, and book value.
We identify the metrics that have the strongest historical correlation with the stock price and determine the historical multiples at which the stock has traded relative to these metrics.
Using these historical multiples as a reference, we estimate the stock's fair value while accounting for future business growth. Adjustments may be made based on the company’s past returns and growth trends.

GuruFocus believes that the GF Value Line represents the fair value at which a stock should trade. Stock prices typically fluctuate around this line. If a stock’s price is significantly above the GF Value Line, it is considered overvalued, and its future returns are likely to be lower. Conversely, if the stock price is significantly below the GF Value Line, its future returns are likely to be higher.

Please note that "Possible Value Trap, Think Twice" applies to companies that appear significantly undervalued but are either experiencing a long-term business decline or facing financial distress.

Isabella Bank (OTCPK:ISBA) GF Value Explanation

Based on the relationship between the current stock price and the GF Value, GuruFocus provides the following 6 ratings:

Posssible Evaluations	All-in-One Screener Examples (2)
Possible Value Trap, Think Twice (1)	Predictable Companies that possibly be Value Traps
Significantly Overvalued	Predictable Companies which are Significantly Overvalued
Modestly Overvalued	Predictable Companies which are Modestly Overvalued
Fairly Valued	Predictable High Quality Companies which are Fairly Valued
Modestly Undervalued (3)	Predictable High Quality Companies which are Modestly Undervalued
Significantly Undervalued (3)	Predictable High Quality Companies which are Significantly Undervalued

(1) "Possible Value Trap, Think Twice" applies to companies that appear significantly undervalued but are either experiencing a long-term business decline or facing financial distress.

(2) These are some simple examples. You can access our GF Valuation filter under All-in-One Screener’s Fundamental tab, and Price-to-GF-Value filter under Valuation Ratio tab and set your own criteria.

(3) A sufficient margin of safety exists only when the stock is undervalued.

Isabella Bank's Price-to-GF-Value for today is calculated as

Price-to-GF-Value	=	Share Price	/	GF Value
	=	22.08	/	23.09
	=	0.96

* 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 GF Value Related Terms

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Isabella Bank Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Isabella Bank Corp (OTCPK:ISBA) » Definitions » GF Value

Comparable Companies

Traded in Other Exchanges

N/A

Address

401 North Main Street, Mount Pleasant, MI, USA, 48858

Website

https://www.isabellabank.com

Isabella Bank Corp is a U.S based financial service holding company. It offers banking services to businesses, institutions, and individuals. Its 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. The company also offers full-service trust and brokerage services.

Executives

Jill Bourland	director	619 S. MISSION ST., MOUNT PLEASANT MI 48858
Jon D Catlin	officer: Chief Credit Officer	139 E. BROADWAY ST., MT. PLEASANT MI 48858
Jerome E Schwind	officer: Executive VP & COO	2132 COBBLESTONE CT., MT. PLEASANT MI 48858
Peggy Wheeler	officer: Senior Vice President
Jae A Evans	director, officer: CEO	1030 CLUBHOUSE DRIVE, LAKE ISABELLA MI 48893
Chad R Payton	director	214 EAST RIVER ROAD, MT. PLEASANT MI 48858
Neil Michael Mcdonnell	officer: Chief Financial Officer	C/O PATRIOT NATIONAL BANCORP, 900 BEDFORD STREET, STAMFORD CT 06901
Melinda Marie Coffin	director	253 S. LEATON RD., MT. PLEASANT MI 48858
Sarah R Opperman	director	401 N MAIN ST, MT PLEASANT MI 48858
Michael P Prisby	officer: Treasurer	707 RIDGE ROAD, MUNSTER IN 46321
Richard L Mcguirk	director	770 STONERIDGE DR., MT. PLEASANT MI 48858
Gregory V Varner	director	8439 N. BLAIR RD., BRECKENRIDGE MI 48615
David J Maness	director	PO BOX 100, MT PLEASANT MI 48858
Vicki L Rupp	director	4399 HACKETT ROAD, SAGINAW MI 48603
G Charles Hubscher	director	3660 MINERAL SPRINGS TRAIL, MT PLEASANT MI 48858