ISBA

Isabella BankD

Nasdaq / Banks

At close

2026-07-21

Current thesis

The Grand River transaction could expand Isabella’s franchise and growth opportunity, while Q1 evidence of stronger NIM, deposits, loans, earnings, and credit quality provides an operating foundation.

Posture

Defensive

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta -0.1.

What can break

Integration costs, customer disruption, or unrealized synergies after closing.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $39.50 · Bull $47.00 · Bear $34.50

Data freshness

Prices

As of 2026-07-21

Fundamentals

As of 2026-07-22 • Vendor: Data Vendor v1

Scores

As of 2026-07-21 • Model: HYBRID_IC_RP

AI Memo

As of 2026-07-14 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-21

Supporting evidence

What

Grade D · Defensive

Confidence Medium · Net Neutral

Target $47.00

Why

Momentum15 · Δ7d +2.8

Value51 · Δ7d -0.1

Sentiment52 · Δ7d -9.7

So what

Weak posture (Net Neutral). Prioritize risk control and patience.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendImproving

Δ7d

+2.8

Δ21d

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.1

Δ21d

-8.3

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-9.7

Δ21d

Why this grade

Composite grade D. Momentum 15.0 / Value 51.0 / Sentiment 52.1

Fundamentals (TTM)

As of 2026-07-22

Market Cap

$282.23M

Beta

0.13

Shares Out

7.33M

P/E (TTM)

20.6

P/S (TTM)

4.90

P/FCF (TTM)

33.20

Rev YoY

+12.7%

EPS YoY

+28.2%

Gross Margin

Op Margin

+29.2%

Net Debt

$119.58M

Current Ratio

0.08

As of 2026-07-21 • Updated nightlySource: Internal modelMethodology