Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
Isabella BankISBA +0.91%65 Shiller PE Ratio is 16.28 as of Sep. 06, 2026, which is 25% above its 10-year median of 13.01. GuruFocus rates ISBA with a GF Score™ of 65/100 and a GF Value™ of $32.55 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,239 Banks companies, Isabella Bank ranks worse than 64.08% on this metric.
As of today (2026-09-06), Isabella Bank's current share price is $40.04. Isabella Bank's E10 for the quarter that ended in Jun. 2026 was $2.46. Isabella Bank's Shiller PE Ratio for today is 16.28.
The historical rank and industry rank for Isabella Bank's Shiller PE Ratio or its related term are showing as below:
ISBA'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.79 Med: 13.01 Max: 23.97
Current: 16.27
During the past years, Isabella Bank's highest Shiller PE Ratio was 23.97. The lowest was 7.79. And the median was 13.01.
ISBA's Shiller PE Ratio is ranked worse than 64.08% of 1239
companies
in the Banks industry
Industry Median: 14
vs ISBA: 16.27
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Isabella Bank's adjusted earnings per share data for the three months ended in Jun. 2026 was $0.690. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $2.46 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Isabella Bank (NAS:ISBA) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Isabella Bank Shiller PE Ratio Related Terms
Isabella Bank Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for Isabella Bank's Shiller PE 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.
ISBA vs CFFI, CCFN, CBNA: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, Isabella Bank's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Isabella Bank's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Isabella Bank's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
Isabella Bank's Shiller PE Ratio for today is calculated as
* 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.
Isabella Bank's E10 for the quarter that ended in Jun. 2026 is calculated as:
For example, Isabella Bank's adjusted earnings per share data for the three months ended in Jun. 2026 was:
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Isabella Bank (ISBA) has a Shiller PE Ratio of 16.28 as of Sep. 06, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Isabella Bank and its competitors. This is 25% above median its historical median of 13.01. Over the past decade, Isabella Bank's Shiller PE Ratio has ranged from 7.79 to 23.97. According to the industry distribution chart, Isabella Bank ranks #794 out of 1239 companies in the Banks industry, placing it in the top 64.1%.
Is Isabella Bank's Shiller PE Ratio too high?
Isabella Bank's current Shiller PE Ratio of 16.28 is 25% above median its 10-year median of 13.01. Over the past 10 years, this metric has ranged from a low of 7.79 to a high of 23.97. The Banks industry median Shiller PE Ratio is 14.00. Isabella Bank's value of 16.28 is 16.3% above this industry median. Based on the distribution chart, Isabella Bank ranks #794 out of 1239 companies in the Banks industry, which is below the industry midpoint. Overall, Isabella Bank has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Isabella Bank's Shiller PE Ratio compare to CFFI and CCFN?
According to the Banks industry distribution chart, Isabella Bank ranks #794 out of 1239 companies for Shiller PE Ratio. This places Isabella Bank in the lower half of its industry. The industry median Shiller PE Ratio is 14.00. Isabella Bank's value of 16.28 is 16.3% above this benchmark. Historically, Isabella Bank's own Shiller PE Ratio has ranged from 7.79 to 23.97 over the past decade. While the company's 10-year median is 13.01 vs. the industry median of 14.00, Isabella Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 14.00, based on 1,239 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Isabella Bank's current Shiller PE Ratio of 16.28 is 16.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Isabella Bank and its competitors. For the Banks industry, the median Shiller PE Ratio is 14.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Isabella Bank's current Shiller PE Ratio is 16.28, which is 25% above median its own 10-year median of 13.01. 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 Modestly Overvalued. The stock's GF Value™ is $32.55, compared to a current price of $40.04 — trading 23% above its estimated fair value. The current Shiller PE Ratio is 16.28, which is 25% above median its 10-year median of 13.01 and 16.3% above the Banks industry median of 14.00. Isabella Bank's overall GF Score™ is 65/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Isabella Bank (ISBA), the current Shiller PE Ratio is 16.28 as of Sep. 06, 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 $40.04 is trading 23% above its estimated GF Value™ of $32.55.
GuruFocus considers Isabella Bank to be Modestly Overvalued.
Key valuation signals for ISBA:
Shiller PE Ratio: 16.28 (25% above median its 10-year median of 13.01)
GF Value™: $32.55 vs. price of $40.04 (23% above fair value)
Industry Position: 16.3% above the Banks median (#794 of 1239)
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 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.
65GF Score
Get the complete analysis for ISBA
Shiller PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ISBA has been successfully added to your 
