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Isabella Bank (Isabella Bank) PS Ratio : 2.04 (As of Apr. 30, 2024)


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What is Isabella Bank PS Ratio?

The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Isabella Bank's share price is $18.15. Isabella Bank's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2023 was $8.90. Hence, Isabella Bank's PS Ratio for today is 2.04.

Good Sign:

Isabella Bank Corp stock PS Ratio (=2.01) is close to 10-year low of 1.97

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

ISBA' s PS Ratio Range Over the Past 10 Years
Min: 1.97   Med: 3.45   Max: 4.74
Current: 2.04

During the past 13 years, Isabella Bank's highest PS Ratio was 4.74. The lowest was 1.97. And the median was 3.45.

ISBA's PS Ratio is ranked better than
60.97% of 1450 companies
in the Banks industry
Industry Median: 2.395 vs ISBA: 2.04

Isabella Bank's Revenue per Sharefor the three months ended in Dec. 2023 was $2.17. Its Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2023 was $8.90.

Warning Sign:

Isabella Bank Corp revenue per share is in decline over the past 12 months.

During the past 12 months, the average Revenue per Share Growth Rate of Isabella Bank was -2.10% per year. During the past 3 years, the average Revenue per Share Growth Rate was 6.10% per year. During the past 5 years, the average Revenue per Share Growth Rate was 6.20% per year. During the past 10 years, the average Revenue per Share Growth Rate was 4.30% per year.

During the past 13 years, Isabella Bank's highest 3-Year average Revenue per Share Growth Rate was 66.20% per year. The lowest was -13.20% per year. And the median was 4.25% per year.

Back to Basics: PS Ratio


Isabella Bank PS Ratio Historical Data

The historical data trend for Isabella Bank's PS 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 PS Ratio Chart

Isabella Bank Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.37 2.56 3.18 2.52 2.36

Isabella Bank Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
PS 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 2.60 2.15 2.24 2.36 -

Competitive Comparison of Isabella Bank's PS Ratio

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

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

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



Isabella Bank PS Ratio Calculation

The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.

Isabella Bank's PS Ratio for today is calculated as

PS Ratio=Share Price/Revenue per Share (TTM)
=18.15/8.895
=2.04

Isabella Bank's Share Price of today is $18.15.
Isabella Bank's Revenue 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 $8.90.

* 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:

PS Ratio=Market Cap/Revenue

The Revenue here is for the trailing 12 months.


Isabella Bank  (OTCPK:ISBA) PS Ratio Explanation

The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.

When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.

Similar to the PE Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PS Ratio measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.


Isabella Bank PS Ratio Related Terms

Thank you for viewing the detailed overview of Isabella Bank's PS 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

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