Monitor next quarter for margin sustainability and loan growth trends; the EPS miss on flat revenue suggests cost pressures may be mounting despite asset growth.
Price Chart
Executive Summary
Isabella Bank Corp (ISBA) reported Q1 2026 earnings with $0.68 diluted EPS, beating consensus of $0.78 by -13.5% (miss), on revenue of $21.5M. Net interest margin improved to 3.33% and loans grew $27.2M (excl. brokers). The stock is down following the earnings miss despite strong loan and deposit growth.
Key Financial Metrics
Key Facts
- Q1 2026 EPS: $0.68 (consensus: $0.78), miss by 13.5%
- Q1 2026 revenue: $21.5M
- Net interest margin: 3.33% (up from 3.06% YoY)
- Loans (excl. brokers) grew $27.2M to $1.487B
- Deposits increased $40.2M to $1.86B
- Tangible book value per share: $25.32
Financial Impact
EPS miss of 13.5% against consensus despite strong NIM and loan growth
Risk Factors
- Earnings miss despite strong top-line growth could signal rising expenses
- Recent S-3 shelf filing suggests potential capital raise, possibly dilutive
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000842517-26-000095 |
| Document: isba-20260423.htm | 0000842517-26-000095 |
| Document: 0000842517-26-000095-index-headers.html | 0000842517-26-000095 |
| Document: 0000842517-26-000095-index.html | 0000842517-26-000095 |
| Document: 0000842517-26-000095.txt | 0000842517-26-000095 |
| 8-K Data (Synthetic) | 0000842517-26-000095 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 6, 2026 21d ago | 8-K | $38.02 $38.46 | ▲ +1.16% | ▲ +1.58% | $38.82 (+2.10%) |
Aug 14, 2026 10w ago | 8-K | $41.60 $41.00 | ▼ −1.44% | ▼ −0.97% | $38.82 (−6.68%) |
Aug 7, 2026 11w ago | EFFECT | $39.77 $40.29 | ▲ +1.31% | ▲ +1.34% | $38.82 (−2.39%) |
Jul 24, 2026 13w ago | S-4 | $39.19 $39.98 | ▲ +2.02% | ▲ +1.78% | $38.82 (−0.94%) |
Jun 18, 2026 18w ago | 425 | $39.70 $39.99 | ▲ +0.73% | ▲ +2.18% | $38.82 (−2.22%) |
Jun 16, 2026 19w ago | 8-K | $40.00 $39.98 | ▲ +0.05% | ▼ −1.20% | $38.82 (+2.95%) |
Jun 16, 2026 19w ago | 424B5 | $40.00 $39.98 | ▲ +0.05% | ▼ −1.20% | $38.82 (+2.95%) |
Jun 12, 2026 19w ago | 425 | $41.43 $40.00 | ▼ −3.45% | ▼ −2.86% | $38.82 (−6.30%) |
Jun 12, 2026 19w ago | 425 | $41.43 $40.00 | ▼ −3.45% | ▼ −2.86% | $38.82 (−6.30%) |
Jun 12, 2026 19w ago | 425 | $41.43 $40.00 | ▼ −3.45% | ▼ −2.86% | $38.82 (−6.30%) |
US Market Status
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