ISBA (Isabella Bank) Growth Rank: 4 (As of Jul. 30, 2026) — 100% Above Median

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Director of Data and Quant Analytics at GuruFocus
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ISBA Isabella Bank Corp ISBA
56 GF Score
Price $39.80
GF Value $28.85
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Isabella Bank Growth Rank?

Isabella Bank ISBA -1.02% 56 Growth Rank is 4 as of Jul. 30, 2026, which is 100% above its 10-year median of 2.00. GuruFocus rates ISBA with a GF Score™ of 56/100 and a GF Value™ of $28.85 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Isabella Bank has the Growth Rank of 4.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

ISBA vs HWBK, ATLO, FXNC: Growth Rank Comparison

For the Banks - Regional subindustry, Isabella Bank's Growth Rank, along with its competitors' market caps and Growth 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 Growth Rank vs Banks Industry

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

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


ISBA
56GF Score
Isabella Bank Corp ISBA
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 4 mean?
Isabella Bank (ISBA) has a Growth Rank of 4 as of Jul. 30, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Isabella Bank and its competitors. This is 100% above median its historical median of 2.00. Over the past decade, Isabella Bank's Growth Rank has ranged from 1.00 to 6.00.
Is Isabella Bank's Growth Rank too high?
Isabella Bank's current Growth Rank of 4 is 100% above median its 10-year median of 2.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 6.00. Overall, Isabella Bank has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Isabella Bank's Growth Rank compare to HWBK and ATLO?
Isabella Bank's Growth Rank of 4 can be compared against companies in the Banks industry. Historically, Isabella Bank's own Growth Rank has ranged from 1.00 to 6.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Growth Rank for a Banks company?
A good Growth Rank depends on the Banks industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Isabella Bank and its competitors. Isabella Bank's current Growth Rank is 4, which is 100% above median its own 10-year median of 2.00. 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 $28.85, compared to a current price of $39.80 — trading 38% above its estimated fair value. The current Growth Rank is 4, which is 100% above median its 10-year median of 2.00. Isabella Bank's overall GF Score™ is 56/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For Isabella Bank (ISBA), the current Growth Rank is 4 as of Jul. 30, 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 $39.80 is trading 38% above its estimated GF Value™ of $28.85. GuruFocus considers Isabella Bank to be Significantly Overvalued.

Key valuation signals for ISBA:

  • Growth Rank: 4 (100% above median its 10-year median of 2.00)
  • GF Value™: $28.85 vs. price of $39.80 (38% above fair value)
  • GF Score™: 56/100 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

Address 401 North Main Street, Mount Pleasant, MI, USA, 48858
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.
56GF Score

Get the complete analysis for ISBA

Growth Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$39.80
Price
$28.85
GF Value