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Isabella Bank (Isabella Bank) Price-to-Free-Cash-Flow : 7.18 (As of Apr. 25, 2024)


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What is Isabella Bank Price-to-Free-Cash-Flow?

As of today (2024-04-25), Isabella Bank's share price is $18.60. Isabella Bank's Free Cash Flow per Share for the trailing twelve months (TTM) ended in Dec. 2023 was $2.59. Hence, Isabella Bank's Price-to-Free-Cash-Flow Ratio for today is 7.18.

The historical rank and industry rank for Isabella Bank's Price-to-Free-Cash-Flow or its related term are showing as below:

ISBA' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.91   Med: 9.92   Max: 34.21
Current: 7.17

During the past 13 years, Isabella Bank's highest Price-to-Free-Cash-Flow Ratio was 34.21. The lowest was 5.91. And the median was 9.92.

ISBA's Price-to-Free-Cash-Flow is ranked worse than
52.38% of 989 companies
in the Banks industry
Industry Median: 6.65 vs ISBA: 7.17

Isabella Bank's Free Cash Flow per Share for the three months ended in Dec. 2023 was $0.54. Its Free Cash Flow per Share for the trailing twelve months (TTM) ended in was $2.59.

During the past 12 months, the average Free Cash Flow per Share Growth Rate of Isabella Bank was -16.40% per year. During the past 3 years, the average Free Cash Flow per Share Growth Rate was 0.90% per year. During the past 5 years, the average Free Cash Flow per Share Growth Rate was 2.60% per year. During the past 10 years, the average Free Cash Flow per Share Growth Rate was 5.80% per year.

During the past 13 years, Isabella Bank's highest 3-Year average Free Cash Flow per Share Growth Rate was 82.40% per year. The lowest was -149.90% per year. And the median was 1.00% per year.


Isabella Bank Price-to-Free-Cash-Flow Historical Data

The historical data trend for Isabella Bank's Price-to-Free-Cash-Flow 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 Price-to-Free-Cash-Flow Chart

Isabella Bank Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Price-to-Free-Cash-Flow
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.96 7.75 8.50 7.57 8.29

Isabella Bank Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Price-to-Free-Cash-Flow 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 7.61 6.82 7.57 8.29 -

Competitive Comparison of Isabella Bank's Price-to-Free-Cash-Flow

For the Banks - Regional subindustry, Isabella Bank's Price-to-Free-Cash-Flow, along with its competitors' market caps and Price-to-Free-Cash-Flow 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's Price-to-Free-Cash-Flow Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Isabella Bank's Price-to-Free-Cash-Flow distribution charts can be found below:

* The bar in red indicates where Isabella Bank's Price-to-Free-Cash-Flow falls into.



Isabella Bank Price-to-Free-Cash-Flow Calculation

Isabella Bank's Price-to-Free-Cash-Flow ratio for today is calculated as

Price-to-Free-Cash-Flow Ratio=Share Price/ Free Cash Flow per Share (TTM)
=18.60/2.591
=7.18

Isabella Bank's Share Price of today is $18.60.
Isabella Bank's Free Cash Flow per Share for the trailing twelve months (TTM) ended in Dec. 2023 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.59.

* 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:

Price-to-Free-Cash-Flow Ratio=Market Cap/Free Cash Flow

Isabella Bank  (OTCPK:ISBA) Price-to-Free-Cash-Flow Explanation

Free Cash Flow is considered more important than earnings by value investors. The reason is because, in principle, only the net cash that can be taken from the business belongs to shareholders. This Free Cash Flow can be used to grow the business, reduce debt or return to shareholders in dividends or share buybacks.

In a DCF Calculation Free Cash Flow is used to determine the intrinsic value of companies.


Be Aware

In real business, Free Cash Flow can be affected by the change in accounts receivable, accounts payable, management's decision on expansion, etc. Therefore, investors should look at the Free Cash Flow over the longer term. Long-term average of Free Cash Flow is a more reliable indicator for real free cash flow.


Isabella Bank Price-to-Free-Cash-Flow Related Terms

Thank you for viewing the detailed overview of Isabella Bank's Price-to-Free-Cash-Flow 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