ISBA — Isabella Bank Corporation

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

Trend Edge Setup Score

Trend Edge rates ISBA Bullish with a Setup Score of 33, net conviction 23, actionability 46. How the Setup Score works →

Total Setup Score33
Directional BiasBullish
Net Conviction23
Actionability46 (in range)

Key signals behind this score

About Isabella Bank Corporation

Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides banking and wealth management services to businesses, institutions, and individuals and their families in Michigan, the United States. The company offers deposit products, including checking and savings accounts; and certificates of deposit, direct deposits, and cash management services. Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$39.80
Market Cap$275M
Float6.8M
Shares Outstanding7.2M
P/E (Forward)11.22
P/E (TTM)14.07
Price/Sales (TTM)3.37
Profit Margin24.47%
Operating Margin (TTM)30.44%
Revenue (TTM)$81.6M
Earnings Growth (YoY)28.30%
Dividend Rate1.1%

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $64.8M $10.9M N/A N/A
2021 $67.0M $19.5M $67.0M N/A
2022 $76.6M $22.2M $70.8M $28.9M
2023 $90.8M $18.2M $68.4M $23.8M
2024 $102M $13.9M $65.7M $18.5M
2025 $112M $18.9M $79.1M $22.3M

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Jun 2025 $26.4M $5.0M
Sep 2025 $28.6M $5.2M
Dec 2025 $31.4M $4.7M
Mar 2026 $29.5M $5.0M

Ownership & Float

Insider Ownership6.7%
Institutional Ownership14.7%
Short Float4.6%
% of All Funds Holding0.49%
Number of Funds Holding40

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$40.14Near-term / short-term trend
Weekly40-Week SMA$44.62Medium-term trend
Weekly80-Week SMA$36.98Cyclical trend (business cycle)
Weekly200-Week SMA$27.61Secular trend (multi-year)
Monthly10-Month SMA$42.90Near-term monthly trend
Monthly20-Month SMA$35.64Medium-term monthly trend
Monthly40-Month SMA$28.09Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$46.00 resistance 2.18x 3 months ago
$35.40 support 1.30x 8 months ago
$32.00 support 2.47x 9 months ago
$29.00 support 1.66x 11 months ago
$31.10 support 1.03x 11 months ago

Historical Earnings Reactions (63 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap 0.15% 0.00% 33.33% 5.25% -2.75%
1 Day 0.07% 0.00% 31.75% 5.71% -6.30%
1 Week 0.47% 0.18% 53.23% 21.84% -12.25%
2 Weeks 0.69% -0.11% 48.39% 16.89% -10.38%
1 Month 0.29% 0.27% 53.23% 17.45% -13.14%

Next earnings: October 11, 2026 (72 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

MonthAvg ReturnWin RateSamples
Jan0.3%50.0%20
Feb-1.5%28.6%21
Mar-0.4%42.9%21
Apr-1.7%28.6%21
May-0.4%42.9%21
Jun0.2%38.1%21
Jul-0.5%55.0%20
Aug-0.3%45.0%20
Sep1.6%60.0%20
Oct-2.6%35.0%20
Nov4.5%55.0%20
Dec3.4%65.0%20

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday -0.06% 27.9% 967
Tuesday 0.04% 29.8% 1058
Wednesday -0.10% 30.7% 1058
Thursday 0.10% 31.5% 1038
Friday 0.12% 32.6% 1032

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 14.7%

Insider Transactions — Smart Summary

Total insider ownership: 6.7%

12-Month Insider Activity Summary

Total Filings21
Net Value+$34,354.053
Net Shares Change-2,450
% of Float-0.0%
C-Suite Filings5
Clusters Detected2

Key Insiders

NameTitleNet ValueFilingsActivity
Schwind Jerome E President & CEO +$12,462.12 1 1 buy
Catlin Jon D Chief Credit Officer +$3,241.41 1 1 buy
Huenemann Michael Kyle Chief Lending Officer +$1,919.67 1 1 buy
Bourland Jill +$1,799.998 6 6 buy
McDonnell Neil Michael President +$1,730.85 1 1 buy

Transaction Clusters

PeriodFilingsInsidersNet ValueSeniority
2026-01-21 – 2026-01-23 7 7 +$105,015.598 1 C-suite
2026-03-04 – 2026-03-17 5 5 +$19,654.048 4 C-suite

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-07-16 Bourland Jill +$299.999 Transaction at $39.07, now +1.9%
2026-06-17 Bourland Jill +$299.999 Transaction at $41.43, now -3.9%
2026-05-20 Bourland Jill +$300.002 Transaction at $41.05, now -3.0%
2026-03-04 Schwind Jerome E President & CEO +$12,462.12 Transaction at $31.47, now +26.5%
2026-03-04 McDonnell Neil Michael President +$1,730.85 Transaction at $31.47, now +26.5%
2026-03-04 Huenemann Michael Kyle Chief Lending Officer +$1,919.67 Transaction at $31.47, now +26.5%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Isabella Bank Corporation (ISBA) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for ISBA on Trend Edge →