If You Invested in Isabella (ISBA)
Looking for the live price? See the ISBA quote & overviewWhat $1,000 or $10,000 in ISBA Would Be Worth Today
Real historical value by amount invested and how long ago| If you invested | 1 year ago | 5 years ago | 10 years ago | Since Jul 9, 2015 |
|---|---|---|---|---|
| $1,000 | $1,237 +24% | $1,751 +75% | $1,461 +46% | $1,707 +71% |
| $10,000 | $12,369 +24% | $17,509 +75% | $14,612 +46% | $17,074 +71% |
Based on real historical closing prices through the latest market close. Past performance does not guarantee future results.
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Choose your own date and amount for ISBA$1,000 Investment Over Time
ISBA vs S&P 500Year-by-Year Returns
ISBA annual performance| Year | Start Price | End Price | Annual Return | Cumulative |
|---|---|---|---|---|
| 2017 | $27.85 | $28.25 | +1.4% | +1.4% |
| 2018 | $28.25 | $22.56 | -20.1% | -19.0% |
| 2019 | $22.75 | $24.31 | +6.9% | -12.7% |
| 2020 | $24.31 | $19.57 | -19.5% | -29.7% |
| 2021 | $19.45 | $25.50 | +31.1% | -8.4% |
| 2022 | $25.75 | $23.50 | -8.7% | -15.6% |
| 2023 | $22.50 | $21.50 | -4.4% | -22.8% |
| 2024 | $21.52 | $25.99 | +20.8% | -6.7% |
| 2025 | $25.90 | $50.00 | +93.0% | +79.5% |
| 2026 | $50.30 | $40.62 | -19.2% | +45.9% |
About Isabella
State Commercial Banks · NASDAQ
Isabella Bank Corporation (NASDAQ: ISBA) is a financial services holding company and the parent of Isabella Bank, a state-chartered community bank headquartered in Mt. Pleasant, Michigan. According to company disclosures, Isabella Bank was established in 1903 and has focused on serving the local banking needs of its customers and communities for more than 120 years. The corporation operates in the commercial banking industry within the broader finance and insurance sector.
The company states that Isabella Bank offers personal and commercial lending and deposit products. Its lending activities include loans made for commercial and agricultural operating purposes, real estate purposes, residential real estate loans, and consumer loans. On the deposit side, services include checking accounts, savings accounts, certificates of deposit, direct deposits, and cash management services. The bank also provides mobile and internet banking, electronic bill pay services, and access through automated teller machines.
In addition to traditional banking, Isabella Bank Corporation reports that it offers investment, trust, and estate planning services through Isabella Wealth, as well as full-service trust and brokerage services. These activities position the company as a community-focused institution that combines core banking products with wealth management and fiduciary services.
Community banking footprint
The company indicates that Isabella Bank has locations throughout eight Mid-Michigan counties: Bay, Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw. In various public communications, the corporation notes that the bank operates multiple locations within these counties to serve both individuals and businesses in its regional footprint.
As a state-chartered community bank, Isabella Bank operates under Michigan banking regulations while its holding company, Isabella Bank Corporation, is subject to federal securities regulation as a public company. The corporation has highlighted its long-standing role in providing local banking services across its Mid-Michigan markets.
Stock listing and corporate structure
Isabella Bank Corporation’s common stock trades under the symbol ISBA. The company has announced that its shares are listed on The Nasdaq Capital Market under this symbol. Prior to its Nasdaq listing, the corporation’s common stock had been quoted on the OTCQX market. The move to Nasdaq has been described by the company as an important step in its corporate development and access to the capital markets.
The corporation functions as the holding company for Isabella Bank. Public filings and press releases refer to Isabella Bank Corporation and Isabella Bank as distinct legal entities, with the bank as a wholly owned subsidiary. Governance and management decisions at the holding company level are disclosed through current reports on Form 8-K filed with the U.S. Securities and Exchange Commission (SEC).
Products and services
Based on company descriptions and regulatory filings, Isabella Bank Corporation’s primary activities are centered on community banking. The bank’s lending portfolio includes:
- Commercial loans, including commercial and industrial lending
- Commercial real estate loans
- Agricultural operating and real estate loans
- Residential mortgage loans, including adjustable-rate products
- Consumer loans
On the funding side, Isabella Bank offers a range of deposit products, such as demand deposits, money market accounts, savings accounts, and retail certificates of deposit. The company also notes its use of cash management services and electronic delivery channels, including mobile and internet banking and electronic bill payment.
Wealth management and fiduciary services form another part of Isabella Bank Corporation’s business. Through Isabella Wealth and related operations, the company reports providing investment services, trust services, and estate planning services. Public communications reference growth in assets under management and wealth management fees as components of noninterest income.
Earnings, dividends, and capital actions
Isabella Bank Corporation regularly reports its financial results and capital actions through press releases and Form 8-K filings. These communications describe net income, net interest income, noninterest income, and credit quality metrics, as well as trends in loans, deposits, and securities. The company has highlighted factors such as net interest margin, loan yield, cost of interest-bearing liabilities, and the performance of its available-for-sale securities portfolio.
The corporation has also announced recurring cash dividends on its common stock. For example, board actions disclosed in press releases and 8-K filings include declarations of quarterly cash dividends per common share, with details on record dates and payment dates. In addition, Isabella Bank Corporation has reported share repurchase activity under a share repurchase program that has been in place for several years, and has disclosed increases to the authorization for that program.
Governance and regulatory disclosures
As a public company, Isabella Bank Corporation files current reports on Form 8-K to disclose material events. Recent 8-K filings have addressed topics such as:
- Quarterly financial results and earnings press releases
- Declaration of cash dividends by the Board of Directors
- Changes in executive officers, including the termination of a chief financial officer and the appointment of an interim chief financial officer
- Appointments and resignations of directors
- Amendments to the corporation’s bylaws, including provisions on shareholder meetings, proxy procedures, director nominations, indemnification, and forum selection
These filings provide insight into the corporation’s governance framework, board composition, and approach to shareholder and regulatory matters. The company has also described updates to its bylaws to align with the Michigan Business Corporation Act and federal banking regulations.
Risk management and credit quality
In its public earnings communications, Isabella Bank Corporation discusses credit quality indicators such as nonperforming loans, past-due loans, and the allowance for credit losses. The company has reported on trends in nonaccrual loans, recoveries of previously charged-off accounts, and changes in the allowance for credit losses tied to core loan growth and historical loss experience.
The corporation has also commented on its monitoring of economic conditions, interest rate environments, and other macroeconomic factors that can affect credit quality and loan demand. These discussions appear in the context of forward-looking statements and risk factor disclosures in its press releases.
Long-term community focus
Across multiple public statements, Isabella Bank Corporation emphasizes that Isabella Bank has been committed to serving the local banking needs of its customers and communities for more than 120 years. The bank’s presence across eight Mid-Michigan counties and its combination of personal, commercial, and wealth management services reflect its role as a community bank focused on regional relationships.
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Frequently Asked Questions
Isabella investment returns
How much would $1,000 invested in Isabella be worth today?
If you invested $1,000 in Isabella (ISBA) 10 years ago on 2016-07-08, your investment would be worth $1,461 today, representing a +46.1% total return, growing at a compounded rate of 3.9% per year (CAGR).
Has Isabella outperformed the S&P 500?
Over the past 10 years, ISBA returned +46.1% compared to +251.6% for the S&P 500, underperforming the benchmark by 205.5 percentage points.
What is Isabella's average annual return?
The compound annual growth rate (CAGR) of ISBA over the past 10 years is 3.9%, growing at a compounded rate each year. Individual years vary significantly — ISBA's best recent year was 2025 (+93.0%) and worst was 2018 (-20.1%).
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