Isabella Bank Corporation cash flow to debt ratio of 18.82% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Isabella Bank Corporation's free cash flow has increased 33.12% from $17.53M last year to $23.34M, signaling increasing performance

Isabella Bank Corporation's debt to equity ratio is 0.59, which means that the company's assets are healthy financed, signaling financial stability.

Isabella Bank Corporation's debt has increased relative to shareholder equity from 0.54 last year to 0.59 today, signaling weakened financials

Isabella Bank Corporation has a net cash position, so leverage is healthy.

Isabella Bank Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

Isabella Bank Corporation's profit margin has increased (37.42%) in the last year from 13.66% to 18.77%, signaling increasing performance

Isabella Bank Corporation's short-term liabilities of $1.89B exceed its short-term assets of $226.85M, signaling financial risk

Isabella Bank Corporation's return on assets of 0.90% is lower than the 5.00% threshold, indicating inefficient asset utilization

Isabella Bank Corporation's return on equity of 8.48%, is lower than 15.00%, indicating bad performance

Isabella Bank Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Isabella Bank Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Isabella Bank Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

Isabella Bank Corporation has a free cash flow yield of 7.90%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Isabella Bank Corporation's yearly earnings has increased 36.15% since last year from $13.89M to $18.91M, signaling increasing performance

Isabella Bank Corporation's yearly revenue has decreased 5.58% since last year from $101.71M to $96.03M, signaling decreasing performance

ROIC 1.57% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Isabella Bank Corporation's 3-year revenue CAGR of 13.52% is positive, indicating growing revenue over the past 3 years

Isabella Bank Corporation had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Isabella Bank Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Isabella Bank Corporation is overvalued relative to its fair value price of 25.41 based on Discounted Cash Flow model

Isabella Bank Corporation has an earnings yield of 6.75%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Isabella Bank Corporation is overvalued relative to its fair value price of 4.83 based on EBITDA multiple model

Isabella Bank Corporation has an EV/EBITDA ratio of 9.47x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Isabella Bank Corporation is undervalued relative to its fair value price of 74.42 based on Earnings Fair Value model

Isabella Bank Corporation has a PEG-ratio over 1 which is considered overvalued

Isabella Bank Corporation has a price-to-book ratio of 1.19x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Isabella Bank Corporation has a price-to-sales ratio of 2.78x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue