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Isabella Bank Corporation
ISBAFinancial ServicesNASDAQUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $112.00M | 16.9% | $18.93M | $23.30M | N/A |
| 2027 | $121.19M | 16.9% | $20.48M | $25.21M | $22.91M |
| 2028 | $131.12M | 16.9% | $22.16M | $27.27M | $22.54M |
| 2029 | $141.87M | 16.9% | $23.98M | $29.51M | $22.17M |
| 2030 | $153.51M | 16.9% | $25.94M | $31.93M | $21.81M |
| 2031 | $166.10M | 16.9% | $28.07M | $34.55M | $21.45M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $2.56 | 2025-12-31 |
| EPS growth | +37.6% | Forecast years: 5 |
| Future EPS | $12.628 | EPS × (1 + G)^5 |
| Base P/E | 19.5 | P/E |
| Future price | $246.24 | Future EPS × P/E |
| Fair value today | $152.90 | PV @ 10.0% |
| 30% safety price | $107.03 | Margin of safety |
| 50% safety price | $76.449 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $57.401 | $63.14 | $70.965 |
| 10.0% | $51.597 | $55.828 | $61.361 |
| 11.0% | $47.021 | $50.243 | $54.323 |