ISBA (Isabella Bank) Total Payout Ratio: 0.54 (As of Jul. 20, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
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
67 GF Score
Price $39.23
GF Value $28.71
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is Isabella Bank Total Payout Ratio?

Isabella Bank ISBA -3.66% 67 Total Payout Ratio is 0.54 as of Jul. 20, 2026. GuruFocus rates ISBA with a GF Score™ of 67/100 and a GF Value™ of $28.71 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income.

Isabella Bank's current Total Payout Ratio is 0.54.

Isabella Bank Total Payout Ratio Related Terms

Isabella Bank Total Payout Ratio Historical Data

* Premium members only.

The historical data trend for Isabella Bank's Total Payout 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.

Isabella Bank Total Payout Ratio Chart

Isabella Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.11 0.39 0.64 0.79 0.61

Isabella Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Total Payout 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 0.70 0.63 0.45 0.67 0.41

ISBA vs NASB, FUNC, VLNT: Total Payout Ratio Comparison

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

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

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


ISBA
67GF Score
Isabella Bank Corp ISBA
Total Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Isabella Bank Total Payout Ratio Calculation

Total Payout Ratio is a measurement showing the proportion of earnings a company pays shareholders in the form of dividends and net stock repurchases.

Isabella Bank's Total Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (-4.709 + 1.331 + -8.085) / 18.91
=0.61

Isabella Bank's Total Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (-0.402 + 0.433 + -2.051) / 4.992
=0.40

* 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.

Frequently Asked Questions Learn more about Total Payout Ratio →
What does a Total Payout Ratio of 0.54 mean?
Isabella Bank (ISBA) has a Total Payout Ratio of 0.54 as of Jul. 20, 2026. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Isabella Bank and its competitors.
Is Isabella Bank's Total Payout Ratio too high?
Isabella Bank's current Total Payout Ratio is 0.54. Overall, Isabella Bank has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Isabella Bank's Total Payout Ratio compare to NASB and FUNC?
Isabella Bank's Total Payout Ratio of 0.54 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Total Payout Ratio for a Banks company?
A good Total Payout Ratio depends on the Banks industry context. However, Total Payout Ratio 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 Total Payout Ratio mean?
A high Total Payout Ratio can signal that a stock is expensive relative to its fundamentals. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Isabella Bank and its competitors. Isabella Bank's current Total Payout Ratio is 0.54. 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 $28.71, compared to a current price of $39.23 — trading 36.6% above its estimated fair value. The current Total Payout Ratio is 0.54. Isabella Bank's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Payout Ratio calculated?
Total Payout Ratio is calculated from a company's financial statements. For Isabella Bank (ISBA), the current Total Payout Ratio is 0.54 as of Jul. 20, 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 $39.23 is trading 36.6% above its estimated GF Value™ of $28.71. GuruFocus considers Isabella Bank to be Significantly Overvalued.

Key valuation signals for ISBA:

  • Total Payout Ratio: 0.54
  • GF Value™: $28.71 vs. price of $39.23 (36.6% above fair value)
  • GF Score™: 67/100 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.
67GF Score

Get the complete analysis for ISBA

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

$39.23
Price
$28.71
GF Value