
ISBA Stock Forecast & Price Target
ISBA Analyst Ratings
Bulls say
Isabella Bank Corp demonstrates a strong financial position with a nominal increase in non-performing assets (NPAs) to 0.13% of loans, indicating effective risk management and potential recovery without loss on certain loans. The bank's loan growth of $34 million quarter-over-quarter, primarily fueled by residential and commercial real estate lending, signifies robust demand for its banking services. Additionally, improvements in tangible book value (TBV) and tangible common equity (TCE) reflect solid profitability and capital strength, contributing to a positive outlook for the bank's financial health going forward.
Bears say
The financial outlook for Isabella Bank Corp indicates concerns regarding growth, as operating expenses are projected to decline by just 1% quarter-over-quarter while forecasting only 4% year-over-year growth by 2026. Additionally, the anticipated loan growth remains stagnant year-over-year, with expectations of merely 12 basis points of net charge-offs and low to mid-single-digit growth likely due to higher payoffs and fluctuating credit demand. The Allowance for Credit Losses (ACL) has also decreased slightly to 0.92% of loans, suggesting potential vulnerabilities in the bank's loan portfolio.
This aggregate rating is based on analysts' research of Isabella Bank Corp and is not a guaranteed prediction by Public.com or investment advice.
ISBA Analyst Forecast & Price Prediction
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