ISBA (Isabella Bank) GF Value Rank : 5 (As of Apr. 16, 2025)

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What is Isabella Bank GF Value Rank?

Isabella Bank has the GF Value Rank of 5.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Competitive Comparison of Isabella Bank's GF Value Rank

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

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

* The bar in red indicates where Isabella Bank's GF Value Rank falls into.

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Isabella Bank GF Value Rank Related Terms

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Isabella Bank Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Isabella Bank Corp (OTCPK:ISBA) » Definitions » GF Value Rank

Comparable Companies

Traded in Other Exchanges

N/A

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. 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
Jae A Evans	director, officer: CEO	1030 CLUBHOUSE DRIVE, LAKE ISABELLA MI 48893
Chad R Payton	director	214 EAST RIVER ROAD, MT. PLEASANT MI 48858
Neil Michael Mcdonnell	officer: Chief Financial Officer	C/O PATRIOT NATIONAL BANCORP, 900 BEDFORD STREET, STAMFORD CT 06901
Melinda Marie Coffin	director	253 S. LEATON RD., MT. PLEASANT MI 48858
Sarah R Opperman	director	401 N MAIN ST, MT PLEASANT MI 48858
Michael P Prisby	officer: Treasurer	707 RIDGE ROAD, MUNSTER IN 46321
Richard L Mcguirk	director	770 STONERIDGE DR., MT. PLEASANT MI 48858
Gregory V Varner	director	8439 N. BLAIR RD., BRECKENRIDGE MI 48615
David J Maness	director	PO BOX 100, MT PLEASANT MI 48858
Vicki L Rupp	director	4399 HACKETT ROAD, SAGINAW MI 48603
G Charles Hubscher	director	3660 MINERAL SPRINGS TRAIL, MT PLEASANT MI 48858