Isabella Bank Corporation (ISBA) Surpasses Q3 Earnings and Revenue Projections
Earnings Performance: Isabella Bank Corporation (ISBA) reported quarterly earnings of $0.71 per share, exceeding the Zacks Consensus Estimate of $0.60, and showing a year-over-year increase from $0.61 per share. The company has surpassed consensus EPS estimates three times in the last four quarters.
Revenue Growth: The bank's revenues for the quarter reached $20.47 million, surpassing the Zacks Consensus Estimate by 4.44% and increasing from $18.02 million a year ago. It has topped revenue estimates twice in the last four quarters.
Stock Outlook: Isabella Bank shares have risen approximately 38.1% year-to-date, outperforming the S&P 500's 15.5% gain. The stock currently holds a Zacks Rank #3 (Hold), indicating expected performance in line with the market.
Industry Context: The Banks - Northeast industry is currently in the top 20% of Zacks-ranked industries, which historically shows strong performance correlations with stock movements. Peapack-Gladstone (PGC), another bank in the same industry, is expected to report earnings soon, with a year-over-year increase anticipated.
Trade with 70% Backtested Accuracy
Analyst Views on ISBA
About ISBA
About the author

- Earnings Per Share Growth: Isabella Bank reported a GAAP EPS of $0.64 for Q4, reflecting a significant increase compared to the previous year, which indicates a sustained enhancement in profitability and is likely to positively impact shareholder confidence.
- Significant Revenue Increase: The bank's revenue reached $21.17 million, marking a 14.2% year-over-year growth, primarily driven by increased loan demand and rising interest rates, demonstrating the company's growing competitiveness in the market.
- Strong NASDAQ Listing Performance: Isabella Bank's performance since its NASDAQ listing has exceeded expectations, attracting increased investor attention and is expected to further enhance the company's market visibility and capital inflow.
- Dividend Performance Assessment: According to the latest dividend scorecard, Isabella Bank shows strong dividend performance, reflecting the company's commitment to returning value to shareholders, which may attract investors seeking stable income.
Price Target Update: The average one-year price target for Isabella Bank (NasdaqCM:ISBA) has been revised to $55.81 per share, reflecting a 102.66% increase from the previous estimate of $27.54 as of May 4, 2025.
Analyst Range: Current analyst targets for ISBA range from a low of $35.66 to a high of $67.40 per share, with the average price target showing a slight decrease of 1.36% from the last reported closing price of $56.58 per share.
Fund Sentiment: There has been a notable increase in institutional interest, with 26 funds reporting positions in Isabella Bank, an increase of 44.44% in the last quarter, and total shares owned by institutions rising by 80.73% to 519K shares.
Shareholder Activity: Key shareholders include Vanguard Extended Market Index Fund with 110K shares (1.50% ownership) and Geode Capital Management with 77K shares (1.05% ownership), with some firms adjusting their portfolio allocations in ISBA over the last quarter.
Zacks Rank #1 Stocks: Five stocks have been added to the Zacks Rank #1 (Strong Buy) List, including Isabella Bank Corporation, Vertiv Holdings Co, Seagate Technology Holdings, Customers Bancorp, and JOYY Inc., all showing significant increases in earnings estimates over the past 60 days.
Investment Potential: These stocks are considered to have high growth potential, with previous recommendations from Zacks seeing returns of +171%, +209%, and +232%, indicating a strong opportunity for investors.
Expert Recommendations: Each stock was selected by Zacks experts as having the potential to gain +100% or more in the coming months, highlighting their status as under-the-radar investment opportunities.
Access to Reports: Investors can download free stock analysis reports for the highlighted companies, providing further insights into their investment potential.
Stock Performance: Isabella Bank Corporation (ISBA) shares rose 5.4% to $48.99, with a notable increase in trading volume, contributing to a 15.7% gain over the past month.
Earnings Expectations: The company is projected to report quarterly earnings of $0.74 per share, reflecting a 42.3% year-over-year increase, with revenues expected to reach $20.8 million, up 12.3% from the previous year.
Market Outlook: Weakening job markets may lead the Federal Reserve to lower interest rates, which could impact banks' net interest income, but positive loan demand and asset repricing may support stock performance.
Zacks Rank: Isabella Bank holds a Zacks Rank of #1 (Strong Buy), indicating strong investor confidence, while Independent Bank Corp. (INDB) has a Zacks Rank of #3 (Hold) with stable earnings estimates.

Small-Cap Stock Performance: Small-cap stocks have seen a rebound in 2024, supported by a low-interest-rate environment, with the Russell 2000 and S&P 600 indices up 13% and 5.3% year-to-date, respectively.
Growth Potential of Small Businesses: Small businesses, reliant on affordable credit, benefit from declining interest rates, which can enhance their profitability and market capitalization, despite being more volatile than larger companies.
Highlighted Small-Cap Stocks: Five small-cap stocks recommended for growth in 2026 include Allot Ltd., Seanergy Maritime Holdings Corp., Isabella Bank Corp., Owlet Inc., and Intellicheck Inc., all holding a Zacks Rank #1 (Strong Buy).
Future Stock Recommendations: Zacks Investment Research plans to release its top 10 stock picks for 2026 on January 5, following a history of significant gains, with the previous top stocks outperforming the S&P 500 substantially.

Earnings Estimates Improvement: Isabella Bank Corporation (ISBA) has shown solid improvement in earnings estimates, with a current quarter expectation of $0.74 per share, reflecting a 42.3% increase from the previous year.
Zacks Rank and Stock Performance: The company has earned a Zacks Rank #1 (Strong Buy) due to strong analyst agreement on upward revisions, which historically correlates with positive stock price movements.
Recent Stock Gains: Investors have responded positively, with ISBA stock gaining 18.8% over the past four weeks, driven by promising earnings growth prospects.
Technological Investment Opportunities: The article also highlights the potential of artificial intelligence and quantum computing in reshaping investment landscapes, suggesting that early investors could benefit significantly.









