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Isabella Bank (Isabella Bank) PB Ratio

: 0.65 (As of Today)
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The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2024-04-24), Isabella Bank's share price is $18.0001. Isabella Bank's Book Value per Share for the quarter that ended in Dec. 2023 was $27.59. Hence, Isabella Bank's PB Ratio of today is 0.65.

Good Sign:

Isabella Bank Corp stock PB Ratio (=0.65) is close to 3-year low of 0.65

The historical rank and industry rank for Isabella Bank's PB Ratio or its related term are showing as below:

ISBA' s PB Ratio Range Over the Past 10 Years
Min: 0.56   Med: 0.99   Max: 1.26
Current: 0.65

During the past 13 years, Isabella Bank's highest PB Ratio was 1.26. The lowest was 0.56. And the median was 0.99.

ISBA's PB Ratio is ranked better than
71.44% of 1460 companies
in the Banks industry
Industry Median: 0.85 vs ISBA: 0.65

During the past 12 months, Isabella Bank's average Book Value Per Share Growth Rate was 12.00% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 0.10% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 0.90% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 2.40% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Isabella Bank was 13.50% per year. The lowest was -2.60% per year. And the median was 4.30% per year.

Back to Basics: PB Ratio


Isabella Bank PB Ratio Historical Data

The historical data trend for Isabella Bank's PB Ratio 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.

* Premium members only.

Isabella Bank Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.91 0.71 0.91 0.95 0.78

Isabella Bank Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
PB Ratio 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 0.95 0.97 0.82 0.85 0.78

Competitive Comparison

For the Banks - Regional subindustry, Isabella Bank's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio Distribution

For the Banks industry and Financial Services sector, Isabella Bank's PB Ratio distribution charts can be found below:

* The bar in red indicates where Isabella Bank's PB Ratio falls into.



Isabella Bank PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

Isabella Bank's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Dec. 2023)
=18.0001/27.593
=0.65

* 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.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.


Isabella Bank  (OTCPK:ISBA) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


Isabella Bank PB Ratio Related Terms

Thank you for viewing the detailed overview of Isabella Bank's PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Isabella Bank (Isabella Bank) Business Description

Traded in Other Exchanges
N/A
Address
401 North Main Street, Mount Pleasant, MI, USA, 48858
Isabella Bank Corp is a US 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
Gregory V Varner director 8439 N. BLAIR RD., BRECKENRIDGE MI 48615
Chad R Payton director 214 EAST RIVER ROAD, MT. PLEASANT MI 48858
Sarah R Opperman director 401 N MAIN ST, MT PLEASANT MI 48858
Richard L Mcguirk director 770 STONERIDGE DR., MT. PLEASANT MI 48858
David J Maness director PO BOX 100, MT PLEASANT MI 48858
Jae A Evans director, officer: CEO 1030 CLUBHOUSE DRIVE, LAKE ISABELLA MI 48893
Vicki L Rupp director 4399 HACKETT ROAD, SAGINAW MI 48603
Melinda Marie Coffin director 253 S. LEATON RD., MT. PLEASANT MI 48858
G Charles Hubscher director 3660 MINERAL SPRINGS TRAIL, MT PLEASANT MI 48858
Michael P Prisby officer: Treasurer 707 RIDGE ROAD, MUNSTER IN 46321
Julie Huber officer: VP & Chief Technology Officer 401 N MAIN STREET, MT. PLEASANT MI 48858