ISBA (Isabella Bank) Tariff Resilience Score: 9/10 (As of Jun. 28, 2026)


ISBA Isabella Bank Corp ISBA
66 GF Score
Price $40.19
GF Value $28.32
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Isabella Bank Tariff Resilience Score?

Isabella Bank ISBA +0.75% 66 Tariff Resilience Score is 9 as of Jun. 28, 2026. GuruFocus rates ISBA with a GF Score™ of 66/100 and a GF Value™ of $28.32 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,610 Banks companies, Isabella Bank ranks better than 99.25% on this metric.

Isabella Bank has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

Isabella Bank has Isabella Bank Corp is a regional bank with minimal direct exposure to international trade tariffs. Its operations are primarily domestic, and it does not rely on global supply chains, making it highly resilient to tariff impacts.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Isabella Bank might have Highly Resilient.

Isabella Bank  (NAS:ISBA) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Isabella Bank Tariff Resilience Score Related Terms

ISBA vs NASB, FUNC, VLNT: Tariff Resilience Score Comparison

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

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

* The bar in red indicates where Isabella Bank's Tariff Resilience Score falls into.


ISBA
66GF Score
Isabella Bank Corp ISBA
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
Isabella Bank (ISBA) has a Tariff Resilience Score of 9 as of Jun. 28, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Isabella Bank ranks #12 out of 1610 companies in the Banks industry, placing it in the top 0.7%.
Is Isabella Bank's Tariff Resilience Score too high?
Isabella Bank's current Tariff Resilience Score is 9. Based on the distribution chart, Isabella Bank ranks #12 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Isabella Bank has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Isabella Bank's Tariff Resilience Score compare to NASB and FUNC?
According to the Banks industry distribution chart, Isabella Bank ranks #12 out of 1610 companies for Tariff Resilience Score. This places Isabella Bank in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Isabella Bank's current Tariff Resilience Score is 9. 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 $28.32, compared to a current price of $40.19 — trading 41.9% above its estimated fair value. The current Tariff Resilience Score is 9. Isabella Bank's overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Isabella Bank (ISBA), the current Tariff Resilience Score is 9 as of Jun. 28, 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 $40.19 is trading 41.9% above its estimated GF Value™ of $28.32. GuruFocus considers Isabella Bank to be Significantly Overvalued.

Key valuation signals for ISBA:

  • Tariff Resilience Score: 9
  • GF Value™: $28.32 vs. price of $40.19 (41.9% above fair value)
  • GF Score™: 66/100 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.
66GF Score

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

$40.19
Price
$28.32
GF Value