ISBA Stock Analysis: Buy, Sell, or Hold?
ISBA - Isabella Bank Corporation Common stock
$48.18
-0.44 (-0.90%)
▼
BUY
HIGH Confidence
Last Updated: January 30, 2026
Earnings: Feb 12, 2026
11d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: ISBA shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
✅ BUY SIGNAL: ISBA shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$78.50
Based on 10.2% avg growth
INTRINSIC VALUE TODAY
$48.74
1.2% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 16.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ISBA is currently trading at $48.18, which is considered oversold relative to its 30-day fair value range of $48.78 to $51.32. The stock's valuation (Forward PE: 16.2) is in line with its historical norms (16.2). At these levels, the market is pricing in -0.0% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, ISBA is in a strong uptrend. Immediate support is located at $46.50, while resistance sits at $52.13.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, ISBA is in a strong uptrend. Immediate support is located at $46.50, while resistance sits at $52.13.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$48.78 -
$51.32
Company Quality Score
44/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
75.7%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($52.00)
- NEUTRAL: Market pricing in -0.0% annual earnings growth - fairly valued
Fair Price Analysis
30-Day Fair Range
$48.78 -
$51.32
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$46.50
Resistance Level
$52.14
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
16.21
Wall Street Target
$52.00
(+7.0%)
Revenue Growth (YoY)
18.7%
Earnings Growth (YoY)
61.4%
Profit Margin
23.8%
PE vs Historical
16.2 vs 16.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
0%
(market-implied from PE analysis)
1-Year Target
$48.62
(0%)
2-Year Target
$48.62
(0%)
3-Year Target
$48.62
(0%)
3-Yr Target (if PE normalizes)
(PE: 16→16)
PE COMPRESSION
$48.60
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 16.3%)
$105.18
(+116%)
Base:
(SPY PE: 16.2, Growth: 16.3%)
$76.44
(+57%)
Bear:
(PE: 13.8, Growth: 16.3%)
$64.97
(+34%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (20x PE), but valuation improves significantly next year (16x PE) as earnings recover.
Trailing PE: 20.28 | Current EPS (TTM): $2.46
Bull Case
$66.93
(+39%)
Analyst growth 22.0%, PE expands to 22.3
Base Case
$60.84
(+26%)
Market implied 22.0%, PE stable at 20.3
Bear Case
$33.93
(-30%)
Severe decline -20.0%, PE contracts to 17.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Last updated: January 31, 2026 9:28 AM ET
Data refreshes hourly during market hours. Next update: 10:28 AM
Data refreshes hourly during market hours. Next update: 10:28 AM
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Advanced ISBA Option Strategies
Professional options setups generated by AI based on today's ISBA price and gamma walls.