ISBA (Isabella Bank) Long-Term Debt: $29.54 Mil (As of Mar. 2026)


ISBA Isabella Bank Corp ISBA
53 GF Score
Price $40.83
GF Value $28.41
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Isabella Bank Long-Term Debt?

Isabella Bank ISBA +0.55% 53 Long-Term Debt is $29.54 Mil as of Mar. 2026. GuruFocus rates ISBA with a GF Score™ of 53/100 and a GF Value™ of $28.41 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Isabella Bank's Long-Term Debt for the quarter that ended in Mar. 2026 was $29.54 Mil.

Isabella Bank's quarterly Long-Term Debt increased from Sep. 2025 ($29.49 Mil) to Dec. 2025 ($74.51 Mil) but then declined from Dec. 2025 ($74.51 Mil) to Mar. 2026 ($29.54 Mil).

Isabella Bank's annual Long-Term Debt declined from Dec. 2023 ($69.34 Mil) to Dec. 2024 ($59.42 Mil) but then increased from Dec. 2024 ($59.42 Mil) to Dec. 2025 ($74.51 Mil).

Isabella Bank  (NAS:ISBA) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Isabella Bank Long-Term Debt Related Terms

Isabella Bank Long-Term Debt Historical Data

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The historical data trend for Isabella Bank's Long-Term Debt 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 Long-Term Debt Chart

Isabella Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 49.16 29.25 69.34 59.42 74.51

Isabella Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt 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 29.45 29.47 29.49 74.51 29.54
ISBA
53GF Score
Isabella Bank Corp ISBA
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $29.54 Mil mean?
Isabella Bank (ISBA) has a Long-Term Debt of $29.54 Mil as of Mar. 2026.
Is Isabella Bank's Long-Term Debt too high?
Isabella Bank's current Long-Term Debt is $29.54 Mil. 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 Long-Term Debt compare to NASB and FUNC?
Isabella Bank's Long-Term Debt of $29.54 Mil 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 Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Isabella Bank's current Long-Term Debt is $29.54 Mil. 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 $28.41, compared to a current price of $40.83 — trading 43.7% above its estimated fair value. The current Long-Term Debt is $29.54 Mil. 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Isabella Bank (ISBA), the current Long-Term Debt is $29.54 Mil as of Mar. 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 $40.83 is trading 43.7% above its estimated GF Value™ of $28.41. GuruFocus considers Isabella Bank to be Significantly Overvalued.

Key valuation signals for ISBA:

  • Long-Term Debt: $29.54 Mil
  • GF Value™: $28.41 vs. price of $40.83 (43.7% above fair value)
  • GF Score™: 53/100 with 3 warning signs

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.
53GF Score

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

$40.83
Price
$28.41
GF Value