Isabella Bank Corporation
ISBAFinancial Services · Stock · quarterly payer
Forward Yield
2.91%
Annual Dividend
$1.12
Payout Ratio
41%
5-Yr Growth
0.7%
Ex-Date
Sep 28, 2026
Frequency
Quarterly
Summary
As of September 2026, Isabella Bank Corporation (ISBA) yields 2.91% ($1.12 per share annually), with a blended fair-value estimate of $86.36 — +124% upside, so it screens as undervalued. Dividend safety grade: A (92/100).
Is ISBA a good dividend stock?
YesIsabella Bank Corporation (ISBA) pays a quarterly dividend yielding 2.91% ($1.12/yr), with 0 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Never cut its dividend on record
- Comfortable payout ratio (41%)
- 46% total price return over 5 years
- Top-tier dividend safety score
Risks
- Single-stock concentration risk — diversify
Key Data
- Dividend Yield
- 2.91%
- Payout Ratio
- 41%
- Annual Dividend
- $1.12
- 5-Yr Avg Growth
- 0.7%
- Ex-Dividend Date
- Sep 28, 2026
- Years of Growth
- 0
- Frequency
- quarterly
- Beta
- 0.02
- Market Cap
- $291.4M
- P/E Ratio
- 14.1
- 5-Yr Total Return
- 46%
- 52-Week Range
- $33.24 – $58.83
- Dividend Safety
- A · 92/100
- Ever Cut?
- No
Frequently Asked Questions
ISBA Price — Last 12 Months
Daily close
Price Return
1 Year
+8%
3 Years
+87%
5 Years
+46%
52-Week Range
$33.24 – $58.83
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is ISBA worth?
Undervaluedlow confidenceOur blended fair-value estimate for Isabella Bank Corporation is $86.36 per share, versus a market price of $38.55. That implies 124% of upside — a margin of safety of about 55%.
Fair Value
$86.36
Current Price
$38.55
Upside
+124%
Margin of Safety
55%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -0.8% annual free-cash-flow growth. We model 20.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.0% discount rate (CAPM), 20.0% stage-1 growth, 2.5% terminal growth, $2.71 EPS, $1.12 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
ISBA Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Jun 26, 2026 | — | $0.2800 | regular |
| Mar 27, 2026 | — | $0.2800 | regular |
| Dec 17, 2025 | — | $0.2800 | regular |
| Sep 26, 2025 | — | $0.2800 | regular |
| Jun 26, 2025 | — | $0.2800 | regular |
| Mar 27, 2025 | — | $0.2800 | regular |
| Dec 16, 2024 | — | $0.2800 | regular |
| Sep 26, 2024 | — | $0.2800 | regular |
| Jun 26, 2024 | — | $0.2800 | regular |
| Mar 26, 2024 | — | $0.2800 | regular |
| Dec 12, 2023 | — | $0.2800 | regular |
| Sep 26, 2023 | — | $0.2800 | regular |
| Jun 27, 2023 | — | $0.2800 | regular |
| Mar 28, 2023 | — | $0.2800 | regular |
Income Calculator
At $1.12 / yr per share
