ISBA Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $38.12
Market Cap (MRQ) $291M
P/E 14.9
EPS $2.56
Div Yield 2.9%
ROE 8.4%
52W Range $33–$57

ISBA Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

04
range
bars

Bar granularity adapts to the selected period — hover the chart to see open/high/low/close for a bar.

Stock splits 2
Ex-date Split Type
March 11, 2008 11-for-10 Forward
March 2, 2006 11-for-10 Forward

10-Year Performance Revenue, net income, margins and EPS trends

06
Revenue·
2016-12-31 → 2018-12-31
EPS$2.56
2016-12-31 → 2025-12-31
Free Cash Flow$23M
2017-12-31 → 2025-12-31
Net margin24.1%
2017-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend ISBA 5Y avg Peer Median Verdict
P/E 14.95Y avg ≈12.2 ≈12.2 18.4 Undervalued
P/S 48.85Y avg ≈38.1 ≈38.1 1.4 Overvalued
P/B (MRQ) 1.25Y avg ≈1.0 ≈1.0 1.1 Fair value
Price / FCF (TTM) 12.75Y avg ≈10.1 ≈10.1 · ·
Price / Cash Flow (TTM) 11.35Y avg ≈8.9 ≈8.9 8.9 Overvalued
Price / Tangible Book 1.55Y avg ≈1.3 ≈1.3 · ·
PEG Ratio ≈1.1 · · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Dividends Yield, payout ratio, dividend history, 5Y CAGR

13
Dividend Yield2.9%
Payout Ratio42.8%
Annualized Payout≈$1.12Paid quarterly
5Y Div CAGR≈0.73%Per share, split-adjusted
Ex-dateAmountCurrencyYield
Sep 28, 2026$0.28USD≈3.0%
Jun 26, 2026$0.28USD≈2.8%
Mar 27, 2026$0.28USD≈2.5%
Dec 17, 2025$0.28USD≈2.1%
Sep 26, 2025$0.28USD≈3.2%
Jun 26, 2025$0.28USD≈3.3%
Mar 27, 2025$0.28USD≈4.9%
Dec 16, 2024$0.28USD≈4.6%
Sep 26, 2024$0.28USD≈5.5%
Jun 26, 2024$0.28USD≈6.2%
Mar 26, 2024$0.28USD≈5.7%
Dec 12, 2023$0.28USD≈5.5%
Sep 26, 2023$0.28USD≈5.5%
Jun 27, 2023$0.28USD≈5.3%
Mar 28, 2023$0.28USD≈4.8%
Dec 13, 2022$0.28USD≈4.9%
Sep 27, 2022$0.27USD≈4.9%
Jun 27, 2022$0.27USD≈4.3%
Mar 28, 2022$0.27USD≈4.3%
Dec 13, 2021$0.27USD≈4.0%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

14
Avg Surprise -308.5%
PeriodReportEPS ActualEPS EstSurprise
June 30, 2026 $0.69 $-1.16 159.5%
March 31, 2026 $0.68 $-1.17 158.2%
Dec. 31, 2025 $-5.83 $-0.78 -649.7%
Sept. 30, 2025 $-1.70 $-0.54 -214.0%
June 30, 2025 $-3.76 $-0.24 -1444.1%
March 31, 2025 $-0.48 $-0.59 18.4%
Dec. 31, 2024 $-1.76 $-0.61 -187.6%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

15
Income Statement 10
Metric Trend 2025202420232022202120202019201820172016
Revenue ·······$6M$5M$5M
Interest Expense ··$22M$5M$7M$14M$18M$16M$12M$11M
Interest Income $96M$90M$80M$66M$60M$64M$67M$64M$58M$54M
Pretax Income $24M$16M$22M$27M$23M$12M$14M$15M$16M$16M
Income Tax $5M$3M$4M$5M$4M$987.0K$1M$1M$3M$2M
Net Income $19M$14M$18M$22M$19M$11M$13M$14M$13M$14M
EPS (Basic) $2.56$1.86$2.42$2.95$2.48$1.37$1.65$1.78$1.69$1.77
EPS (Diluted) $2.56$1.86$2.40$2.91$2.45$1.34$1.61$1.74$1.65$1.73
Shares (Basic) 7,372,4347,465,3437,511,5917,549,8787,853,3987,959,7057,909,7947,872,0777,841,4517,813,739
Shares (Diluted) 7,385,8627,482,3747,575,4927,647,6127,965,9618,106,0918,095,0428,072,8488,033,7377,999,350
Balance Sheet 14
Metric Trend 2025202420232022202120202019201820172016
Cash & Equivalents $26M$25M$34M$39M$105M$247M$61M$73M$31M$23M
PP&E (Net) $29M$28M$28M$26M$24M$25M$26M$28M$28M$29M
PP&E (Gross) $80M$77M$77M$73M$73M$73M$72M$71M$69M$68M
Accum. Depreciation $51M$49M$49M$48M$49M$47M$45M$43M$41M$39M
Goodwill $48M$48M$48M$48M$48M$48M$48M$48M$48M$48M
Intangibles ··$2.0K$5.0K$20.0K$49.0K$97.0K$169.0K$265.0K$384.0K
Total Assets $2.21B$2.09B$2.06B$2.03B$2.03B$1.96B$1.81B$1.84B$1.81B$1.73B
Total Liabilities $1.98B$1.88B$1.86B$1.84B$1.82B$1.74B$1.60B$1.65B$1.62B$1.54B
Common Stock $123M$126M$127M$129M$129M$142M$141M$140M$140M$140M
Retained Earnings $114M$103M$97M$90M$76M$64M$62M$57M$52M$46M
AOCI $-8M$-21M$-26M$-37M$2M$8M$2M$-8M$-3M$-3M
Stockholders' Equity $231M$210M$202M$186M$211M$219M$210M$196M$195M$188M
Liabilities + Equity $2.21B$2.09B$2.06B$2.03B$2.03B$1.96B$1.81B$1.84B$1.81B$1.73B
Shares Outstanding 7,322,2077,424,8937,485,8897,559,4217,532,6417,997,2477,910,8047,870,9697,857,2937,821,069
Cash Flow 15
Metric Trend 2025202420232022202120202019201820172016
Stock-based Comp $341.0K$476.0K$782.0K$610.0K··$523.0K$612.0K$640.0K$573.0K
Deferred Tax $38.0K$-310.0K$1M$13.0K$-523.0K$-276.0K$408.0K$275.0K$3M$-282.0K
Amort. of Intangibles ··$3.0K$15.0K$29.0K$48.0K$72.0K$96.0K$119.0K$162.0K
Operating Cash Flow $27M$20M$24M$27M$26M$22M$23M$22M$20M$20M
CapEx $3M$2M$4M$3M$2M$2M$1M$2M$2M$4M
Investing Cash Flow $-116M$-38M$-26M$-106M$-230M$45M$15M$7M$-82M$-70M
Stock Issued $1M$2M$2M$2M$2M$4M$5M$7M$6M$5M
Stock Repurchased $5M$3M$3M·······
Net Stock Activity $-3M$2M$2M$2M$2M$4M$5M$7M$6M·
Dividends Paid $8M$8M$8M$8M$8M$9M$8M$8M$8M$8M
Financing Cash Flow $91M$9M$-3M$13M$63M$119M$-52M$14M$70M$51M
Net Change in Cash $1M$-9M$-5M$-66M$-141M$186M$-13M$43M$8M$1M
Taxes Paid $2M$2M$2M·······
Free Cash Flow $23M$18M$20M$24M$24M$20M$22M$20M$15M·
Levered FCF ··$2M$19M$18M$8M$6M$5M$5M·
Profitability 4
Metric Trend 2025202420232022202120202019201820172016
Net Margin 24.1%19.7%25.3%30.0%29.3%16.8%22.7%247.9%23.3%·
Pretax Margin 30.7%23.3%30.4%36.2%35.1%18.3%25.1%272.0%28.6%·
ROA 0.88%0.67%0.89%1.1%0.98%0.58%0.71%0.77%0.75%·
ROE 8.4%6.6%9.4%12.3%9.0%4.9%6.2%7.3%6.8%·
Efficiency 1
Metric Trend 2025202420232022202120202019201820172016
Asset Turnover 0.00.00.00.00.00.00.00.00.0·
Per Share 6
Metric Trend 2025202420232022202120202019201820172016
Book Value / Share $31.60$28.32$27.04$24.63$28.02$27.33$26.57$24.84$24.81·
Revenue / Share $10.63$9.41$9.47$9.70$8.35$7.99$7.10$0.70$7.06·
Cash Flow / Share $3.63$2.62$3.13$3.52$3.20$2.71$2.88$2.73$2.11·
Cash / Share $3.56$3.31$4.50$5.15$13.98$30.84$7.66$9.33$3.93·
Dividend Paid / Share $1.12$1.12$1.12$1.09$1.08$1.08$1.05$1.04$1.02$0.98
EPS (TTM) $2.56$1.86$2.40$2.91$2.45$1.34$1.61$1.74$1.65$1.73
Growth Rates 10
Metric Trend 2025202420232022202120202019201820172016
Revenue YoY 11.5%-1.9%-3.2%11.5%2.7%·····
Revenue CAGR 3Y 1.9%1.9%3.5%·······
Revenue CAGR 5Y 3.9%·········
EPS YoY 37.6%-22.5%-17.5%18.8%82.8%·····
EPS CAGR 3Y -4.2%-8.8%21.4%·······
EPS CAGR 5Y 13.8%·········
Net Income YoY 36.1%-23.5%-18.3%14.1%79.1%·····
Net Income CAGR 3Y -5.3%-10.7%18.6%·······
Net Income CAGR 5Y 11.7%·········
Dividends Paid CAGR 5Y -1.1%·········
Valuation (TTM) 13
Metric Trend 2025202420232022202120202019201820172016
Revenue TTM $6M$6M$6M$6M$6M$6M$6M$6M$5M$5M
Net Income TTM $19M$14M$18M$22M$19M$11M$13M$14M$13M$14M
Market Cap $366M$193M$161M$178M$192M$157M$192M$178M$222M·
P/E 19.514.09.08.110.414.615.113.017.116.1
P/S 63.933.728.131.033.627.333.631.441.2·
P/B 1.60.90.81.00.90.70.90.91.1·
P / Tangible Book 2.01.21.01.31.20.9····
P / Cash Flow 13.79.86.86.67.57.18.38.113.1·
P / FCF 15.711.08.27.58.07.68.89.014.8·
Dividend Yield 2.2%4.2%5.1%4.5%4.4%5.5%4.3%4.6%3.6%·
Earnings Yield 5.1%7.2%11.2%12.4%9.6%6.9%6.6%7.7%5.8%6.2%
Payout Ratio 42.8%58.7%45.2%36.3%42.9%78.3%63.6%58.3%60.4%·
Annual Payout $8M$8M$8M$8M$8M$9M$8M$8M$8M$8M

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

16
Metric 2025-12-312024-12-312023-12-312022-12-312021-12-31
Net Income $19M $14M $18M $22M $19M
Diluted EPS $2.56 $1.86 $2.40 $2.91 $2.45

Institutional owners (13F) 60 filers · $76.3M total · As of June 30, 2026

17

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 60
Value held $76.3M
New positions 27
Exited positions 10
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
27 (+13 vs prior Q) 10 (+7 vs prior Q) 16 (+4 vs prior Q) 5 (0 vs prior Q) +548K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
BlackRock, Inc. $18,463,525 467,431 24.21% Shares
VANGUARD GROUP INC $15,334,250 306,685 20.11% Shares
VANGUARD CAPITAL MANAGEMENT LLC $11,834,161 299,599 15.52% Shares
GEODE CAPITAL MANAGEMENT, LLC $6,963,500 176,251 9.13% Shares
STATE STREET CORP $3,419,950 86,581 4.48% Shares
NORTHERN TRUST CORP $2,112,105 53,471 2.77% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $1,846,309 46,742 2.42% Shares
VANGUARD FIDUCIARY TRUST CO $1,836,039 46,482 2.41% Shares
HARBOUR INVESTMENTS, INC. $1,303,040 32,988 1.71% Shares
VICTORY CAPITAL MANAGEMENT INC $1,224,500 31,000 1.61% Shares
GOLDMAN SACHS GROUP INC $1,084,749 27,462 1.42% Shares
TWO SIGMA INVESTMENTS, LP $942,391 23,858 1.24% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $802,680 20,321 1.05% Shares
AMERICAN CENTURY COMPANIES INC $787,274 19,931 1.03% Shares
MARSHALL WACE, LLP $784,670 19,865 1.03% Shares
Bank of New York Mellon Corp $662,525 16,773 0.87% Shares
BRIDGEWAY CAPITAL MANAGEMENT, LLC $562,480 14,240 0.74% Shares
CITADEL ADVISORS LLC $558,807 14,147 0.73% Shares
Nuveen, LLC $501,256 12,690 0.66% Shares
BANK OF AMERICA CORP /DE/ $416,725 10,550 0.55% Shares
Walleye Capital LLC $355,263 8,994 0.47% Shares
DIMENSIONAL FUND ADVISORS LP $349,883 8,840 0.46% Shares
Mattson Financial Services, LLC $347,504 8,534 0.46% Shares
Gradient Investments LLC $337,093 8,534 0.44% Shares
Qube Research & Technologies Ltd $290,641 7,358 0.38% Shares
DEUTSCHE BANK AG\ $267,573 6,774 0.35% Shares
FourThought Financial Partners, LLC $252,484 6,392 0.33% Shares
WELLS FARGO & COMPANY/MN $249,364 6,313 0.33% Shares
Invesco Ltd. $242,570 6,141 0.32% Shares
Integrated Wealth Concepts LLC $241,216 6,107 0.32% Shares
RHUMBLINE ADVISERS $211,520 5,355 0.28% Shares
CITIGROUP INC $197,184 4,992 0.26% Shares
MetLife Investment Management, LLC $169,850 4,300 0.22% Shares
UBS Group AG $135,683 3,435 0.18% Shares
MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. $125,689 3,182 0.16% Shares
BNP PARIBAS FINANCIAL MARKETS $121,304 3,071 0.16% Shares
MORGAN STANLEY $121,147 3,067 0.16% Shares
JPMORGAN CHASE & CO $117,295 2,877 0.15% Shares
Vanguard Global Advisers, LLC $105,742 2,677 0.14% Shares
NEW YORK STATE COMMON RETIREMENT FUND $102,700 2,600 0.13% Shares
Atlantic Union Bankshares Corp $101,239 2,563 0.13% Shares
Police & Firemen's Retirement System of New Jersey $80,856 2,047 0.11% Shares
BARCLAYS PLC $55,340 1,401 0.07% Shares
STRS OHIO $55,300 1,400 0.07% Shares
CWM, LLC $34,527 756 0.05% Shares
Legal & General Group Plc $26,702 676 0.04% Shares
Ameritas Investment Partners, Inc. $24,885 630 0.03% Shares
Russell Investments Group, Ltd. $21,883 554 0.03% Shares
ROYAL BANK OF CANADA $21,000 526 0.03% Shares
Tower Research Capital LLC (TRC) $20,461 518 0.03% Shares

Show all 60 institutional owners →

Activists & 5%+ owners 1 position

18

Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.

Filer Filed Stake Status Purpose Filing
Richard L. McGuirk McGuirk Investments, LLC Nov. 5, 2021 · Initial filing Passive investment SEC

Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.

Company insiders 46 insiders · 17 officers · 32 directors

19
Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Jerome E Schwind President & CEO Sept. 1, 2026 A 37,778 1 0 $12,462
William M Schaefer Chief Financial Officer May 1, 2025 P 7,249 0 0 $0
Dennis P Angner President & CFO March 1, 2017 A 28,124 0 0 $0
Neil Michael Mcdonnell President Sept. 1, 2026 A 12,239 2 0 $16,754
Michael Kyle Huenemann Chief Lending Officer March 2, 2026 P 1,097 1 0 $1,920
Jon D Catlin Chief Credit Officer March 2, 2026 P 1,285 1 0 $3,241
Prisby Michael P Treasurer May 21, 2025 S 18,658 0 0 $0
Peggy Wheeler Chief Operations Officer May 1, 2025 P 8,871 0 0 $0
Julie Huber VP & Chief Technology Officer June 1, 2022 P 188 0 0 $0
Jennifer L Gill VP & Controller Feb. 1, 2022 P 810 0 0 $0
David J Reetz Sr VP & Chief Lending Officer Oct. 27, 2021 S 9,000 0 0 $0
Gregory S Matthews Chief Credit Officer March 1, 2021 P 451 0 0 $0
Rhonda S Tudor Controller Nov. 2, 2020 P 264 0 0 $0
Gregory S Mapes VP & Treasurer June 30, 2010 J 633 0 0 $0
Patricia Plaxton Vice President June 30, 2010 J 902 0 0 $0
Timothy M Miller Vice President Oct. 25, 2006 A 3,031 0 0 $0
Mary Ann Breuer Vice Pres., Sec/Treasurer July 20, 2004 G 3,234 0 0 $0
Jill Bourland Director Sept. 16, 2026 P 5,917 10 0 $14,703
Brian B Tessin Director Sept. 1, 2026 A 1,070 0 0 $0
Brian Roy Sackett Director Sept. 1, 2026 A 4,226 1 0 $19,981
Melinda Marie Coffin Director Sept. 1, 2026 A 5,644 1 0 $22,014
Vicki L Rupp Director Sept. 1, 2026 A 9,896 0 0 $0
Sarah R Opperman Director Sept. 1, 2026 A 24,587 1 0 $13,734
Jeffrey J Barnes Director Sept. 1, 2026 A 42,785 0 0 $0
Jae A Evans Director March 2, 2026 A 26,971 1 0 $9,966
David Brian Behen Director Jan. 20, 2026 P 611 1 0 $11,998
Chad R Payton Director June 2, 2025 A 7,474 0 0 $0
Gregory V Varner Director Sept. 3, 2024 A 32,232 0 0 $0
Thomas L Kleinhardt Director Sept. 3, 2024 A 107,710 0 0 $0
Richard L Mcguirk Director April 29, 2024 P 15,712 0 0 $0
Charles G Hubscher Director June 1, 2023 A 231,538 0 0 $0
David J Maness Director June 1, 2023 A 54,442 0 0 $0
Joseph W Manifold Director June 1, 2020 A 33,289 0 0 $0
Michael W Mcguire Director Dec. 2, 2019 A 107,973 0 0 $0
Joseph Laframboise Director Sept. 3, 2019 A 16,356 0 0 $0
Richard J Barz Director Oct. 29, 2018 P 41,114 0 0 $0
Dianne C Morey Director Jan. 18, 2011 P 5,600 0 0 $0
William J Strickler Director June 30, 2010 J 77,671 0 0 $0
James C Fabiano Director June 30, 2010 J 264,002 0 0 $0
Dale D Weburg Director June 30, 2010 J 30,700 0 0 $0
Ted Kortes Director Jan. 4, 2010 S 6,515 0 0 $0
Sandra L Caul Director Sept. 30, 2009 J 10,390 0 0 $0
David W Hole Director Oct. 25, 2006 A 15,361 0 0 $0
Ronald Schumacher Director Oct. 25, 2006 A 13,535 0 0 $0
Frederick L Bradford Director Feb. 13, 2004 P 70,758 0 0 $0
Gerald D Cassel Director Feb. 13, 2004 P 7,292 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 15 ETFs

20

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
IWC · iShares Trust 0.07% 24,015 SH Sept. 11, 2026 Daily
VTWV · VANGUARD SCOTTSDALE FUNDS 0.02% 6,034 SH Aug. 19, 2026 Daily
VTWO · VANGUARD SCOTTSDALE FUNDS 0.01% 40,103 SH Aug. 19, 2026 Daily
RSSL · Global X Funds 0.01% 3,323 NS July 31, 2026 N-PORT
IWM · iShares Trust 0.01% 170,375 SH Sept. 11, 2026 Daily
OMFS · Invesco Exchange-Traded Self-Indexe… 0.01% 552 SH Oct. 1, 2026 Daily
PRFZ · Invesco Exchange-Traded Fund Trust 0.01% 3,579 SH Oct. 2, 2026 Daily
DFSU · Dimensional ETF Trust 0.00% 313 NS July 31, 2026 N-PORT
DFAS · Dimensional ETF Trust 0.00% 919 NS July 31, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0.00% 82,621 SH Aug. 19, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 209,680 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 605 SH Aug. 19, 2026 Daily
DFAT · Dimensional ETF Trust 0.00% 64 NS July 31, 2026 N-PORT
DFAC · Dimensional ETF Trust 0.00% 306 NS July 31, 2026 N-PORT
IWN · iShares Trust · 66,197 SH Sept. 11, 2026 Daily

ISBA Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

21
rating · 10 analysts SELL
Median target $43.00 +12.8%
0 0.0% Strong Buy
0 0.0% Buy
6 60.0% Hold
2 20.0% Sell
2 20.0% Strong Sell

12-Month Price Target

1 analysts · 2026-10-03

Mean target $43.00 +12.8%

Low$43.00 Mean$43.00 High$43.00

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
ISBA $366M 19.5 11.5% 24.1% 8.4% ·
SBET $1.76B -1.2 666.1% -2618.4% -51.2% ·
PENN · -2.5 5.8% -12.1% -35.9% ·
ACEL $939M 19.0 8.1% 3.9% 19.4% ·
BALY $802M -1.5 -0.58% -26.7% -126.8% ·
INSE $252M -16.1 2.4% -5.6% 132.3% ·
CPHC $79M -154.0 -3.2% -0.89% -0.63% ·
LVS $43.94B 27.7 15.2% 12.5% 72.7% ·

My Metrics Your personal watchlist — selected rows from Full Fundamentals

26

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Source: SEC 10-Q filed Aug 10, 2026