ISBA (Isabella Bank) LT-Debt-to-Total-Asset: 0.01 (As of Mar. 2026)

What is Isabella Bank LT-Debt-to-Total-Asset?

Isabella Bank ISBA +0.75% 66 LT-Debt-to-Total-Asset is 0.01 as of Mar. 2026. GuruFocus rates ISBA with a GF Score™ of 66/100 and a GF Value™ of $28.32 (Significantly Overvalued). The stock has 3 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Isabella Bank's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.01.

Isabella Bank's long-term debt to total assets ratio declined from Mar. 2025 (0.01) to Mar. 2026 (0.01). It may suggest that Isabella Bank is progressively becoming less dependent on debt to grow their business.

Isabella Bank (NAS:ISBA) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Isabella Bank LT-Debt-to-Total-Asset Related Terms

Isabella Bank LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Isabella Bank's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Isabella Bank Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

Get a 7-Day Free Trial

0.02

0.01

0.03

Isabella Bank Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.01	0.01	0.01	0.03	0.01

66GF Score

Isabella Bank Corp ISBA

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

Isabella Bank LT-Debt-to-Total-Asset Calculation

Isabella Bank's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	74.514	/	2209.448
	=	0.03

Isabella Bank's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	29.537	/	2251.956
	=	0.01

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.01 mean?

Isabella Bank (ISBA) has a LT-Debt-to-Total-Asset of 0.01 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Isabella Bank and its competitors.

Is Isabella Bank's LT-Debt-to-Total-Asset too high?

Isabella Bank's current LT-Debt-to-Total-Asset is 0.01. Overall, Isabella Bank has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Isabella Bank's LT-Debt-to-Total-Asset compare to CSHX and BRBS?

Isabella Bank's LT-Debt-to-Total-Asset of 0.01 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Isabella Bank and its competitors. Isabella Bank's current LT-Debt-to-Total-Asset is 0.01. 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 $40.19 — trading 41.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.01. Isabella Bank's overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Isabella Bank (ISBA), the current LT-Debt-to-Total-Asset is 0.01 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 $40.19 is trading 41.9% above its estimated GF Value™ of $28.32. GuruFocus considers Isabella Bank to be Significantly Overvalued.

Key valuation signals for ISBA:

LT-Debt-to-Total-Asset: 0.01
GF Value™: $28.32 vs. price of $40.19 (41.9% above fair value)
GF Score™: 66/100 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

Industry Financial Services Banks

Comparable Companies CSHX BRBS NASB CCFN JMSB TRUX FVCB MYFW LRBI FCCO SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

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. 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

Get the complete analysis for ISBA

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$40.19

Price

$28.32

GF Value

View ISBA Analysis

See LT-Debt-to-Total-Asset data for all stocks →