ISBA (Isabella Bank) 5-Year Yield-on-Cost %: 2.86 (As of Jul. 07, 2026) — 38% Below Median


ISBA Isabella Bank Corp ISBA
53 GF Score
Price $41.04
GF Value $28.50
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Isabella Bank 5-Year Yield-on-Cost %?

Isabella Bank ISBA +1.03% 53 5-Year Yield-on-Cost % is 2.86 as of Jul. 07, 2026, which is 38% below its 10-year median of 4.62. GuruFocus rates ISBA with a GF Score™ of 53/100 and a GF Value™ of $28.50 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,255 Banks companies, Isabella Bank ranks worse than 67.01% on this metric.

Isabella Bank's yield on cost for the quarter that ended in Mar. 2026 was 2.86.


The historical rank and industry rank for Isabella Bank's 5-Year Yield-on-Cost % or its related term are showing as below:

ISBA' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.07   Med: 4.62   Max: 7.17
Current: 2.86


During the past 13 years, Isabella Bank's highest Yield on Cost was 7.17. The lowest was 2.07. And the median was 4.62.


ISBA's 5-Year Yield-on-Cost % is ranked worse than
67.01% of 1255 companies
in the Banks industry
Industry Median: 3.9 vs ISBA: 2.86

Isabella Bank  (NAS:ISBA) 5-Year Yield-on-Cost % Explanation

Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.


Isabella Bank 5-Year Yield-on-Cost % Related Terms


ISBA vs NASB, FUNC, VLNT: 5-Year Yield-on-Cost % Comparison

For the Banks - Regional subindustry, Isabella Bank's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry

For the Banks industry and Financial Services sector, Isabella Bank's 5-Year Yield-on-Cost % distribution charts can be found below:

* The bar in red indicates where Isabella Bank's 5-Year Yield-on-Cost % falls into.


ISBA
53GF Score
Isabella Bank Corp ISBA
5-Year Yield-on-Cost % is just one metric. See GF Score™, valuation, warning signs, and more.
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Isabella Bank 5-Year Yield-on-Cost % Calculation

Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.

Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.

Therefore, Yield-on-Cost of Isabella Bank is calculated as

Yield-on-Cost=Dividend Yield %*(1+Dividend Growth Rate)^5
Frequently Asked Questions Learn more about 5-Year Yield-on-Cost % →
What does a 5-Year Yield-on-Cost % of 2.86 mean?
Isabella Bank (ISBA) has a 5-Year Yield-on-Cost % of 2.86 as of Jul. 07, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Isabella Bank and its competitors. This is 38% below median its historical median of 4.62. Over the past decade, Isabella Bank's 5-Year Yield-on-Cost % has ranged from 2.07 to 7.17. According to the industry distribution chart, Isabella Bank ranks #841 out of 1255 companies in the Banks industry, placing it in the top 67%.
Is Isabella Bank's 5-Year Yield-on-Cost % too high?
Isabella Bank's current 5-Year Yield-on-Cost % of 2.86 is 38% below median its 10-year median of 4.62. Over the past 10 years, this metric has ranged from a low of 2.07 to a high of 7.17. The Banks industry median 5-Year Yield-on-Cost % is 3.90. Isabella Bank's value of 2.86 is 26.7% below this industry median. Based on the distribution chart, Isabella Bank ranks #841 out of 1255 companies in the Banks industry, which is below the industry midpoint. Overall, Isabella Bank has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Isabella Bank's 5-Year Yield-on-Cost % compare to NASB and FUNC?
According to the Banks industry distribution chart, Isabella Bank ranks #841 out of 1255 companies for 5-Year Yield-on-Cost %. This places Isabella Bank in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.90. Isabella Bank's value of 2.86 is 26.7% below this benchmark. Historically, Isabella Bank's own 5-Year Yield-on-Cost % has ranged from 2.07 to 7.17 over the past decade. While the company's 10-year median is 4.62 vs. the industry median of 3.90, Isabella Bank has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.90, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Isabella Bank's current 5-Year Yield-on-Cost % of 2.86 is 26.7% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Isabella Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Isabella Bank's current 5-Year Yield-on-Cost % is 2.86, which is 38% below median its own 10-year median of 4.62. 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 $28.50, compared to a current price of $41.04 — trading 44% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.86, which is 38% below median its 10-year median of 4.62 and 26.7% below the Banks industry median of 3.90. Isabella Bank's overall GF Score™ is 53/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Isabella Bank (ISBA), the current 5-Year Yield-on-Cost % is 2.86 as of Jul. 07, 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 $41.04 is trading 44% above its estimated GF Value™ of $28.50. GuruFocus considers Isabella Bank to be Significantly Overvalued.

Key valuation signals for ISBA:

  • 5-Year Yield-on-Cost %: 2.86 (38% below median its 10-year median of 4.62)
  • GF Value™: $28.50 vs. price of $41.04 (44% above fair value)
  • GF Score™: 53/100 with 3 warning signs
  • Industry Position: 26.7% below the Banks median (#841 of 1255)

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.
53GF Score

Get the complete analysis for ISBA

5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$41.04
Price
$28.50
GF Value