ISBA
Isabella Bank·NASDAQ
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2.94 / 10
Underperform
ISBA's fundamental assessment scores 2.9 out of 10, indicating a concerning condition. Key weaknesses include a negative PB-ROE value (-0.9285) and a low ROE (6.4977%), both placing the stock in lower performance groups. Metrics like Net profit ratio and Total profit/EBIT are elevated, signaling inefficiency. Only Cash-MV shows a relatively stronger score, yet insufficient to offset other deficits, leading to an overall defensive stance.
Analysis Checks(6/10)
Revenue-MV
Value-0.78
Score2/3
Weight16.75%
1M Return6.95%
Value-0.78
Score2/3
Weight16.75%
1M Return6.95%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.70%
1M Return3.07%
Value100.00
Score1/3
Weight6.70%
1M Return3.07%
PB-ROE
Value-0.93
Score1/3
Weight10.36%
1M Return4.74%
Value-0.93
Score1/3
Weight10.36%
1M Return4.74%
ROE (diluted) (%)
Value6.25
Score1/3
Weight7.88%
1M Return3.43%
Value6.25
Score1/3
Weight7.88%
1M Return3.43%
ROE (%)
Value6.50
Score2/3
Weight7.78%
1M Return3.42%
Value6.50
Score2/3
Weight7.78%
1M Return3.42%
Annualized return on equity (%)
Value8.66
Score2/3
Weight7.78%
1M Return3.42%
Value8.66
Score2/3
Weight7.78%
1M Return3.42%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.63%
1M Return3.46%
Value36.70
Score3/3
Weight7.63%
1M Return3.46%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.61%
1M Return3.44%
Value100.00
Score3/3
Weight7.61%
1M Return3.44%
Asset-MV
Value-0.51
Score0/3
Weight8.92%
1M Return3.95%
Value-0.51
Score0/3
Weight8.92%
1M Return3.95%
Cash-MV
Value-1.36
Score3/3
Weight18.58%
1M Return7.53%
Value-1.36
Score3/3
Weight18.58%
1M Return7.53%
Revenue-MV
Value-0.78
Score2/3
Weight16.75%
1M Return6.95%
Value-0.78
Score2/3
Weight16.75%
1M Return6.95%
Annualized return on equity (%)
Value8.66
Score2/3
Weight7.78%
1M Return3.42%
Value8.66
Score2/3
Weight7.78%
1M Return3.42%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.70%
1M Return3.07%
Value100.00
Score1/3
Weight6.70%
1M Return3.07%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.63%
1M Return3.46%
Value36.70
Score3/3
Weight7.63%
1M Return3.46%
PB-ROE
Value-0.93
Score1/3
Weight10.36%
1M Return4.74%
Value-0.93
Score1/3
Weight10.36%
1M Return4.74%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.61%
1M Return3.44%
Value100.00
Score3/3
Weight7.61%
1M Return3.44%
ROE (diluted) (%)
Value6.25
Score1/3
Weight7.88%
1M Return3.43%
Value6.25
Score1/3
Weight7.88%
1M Return3.43%
Asset-MV
Value-0.51
Score0/3
Weight8.92%
1M Return3.95%
Value-0.51
Score0/3
Weight8.92%
1M Return3.95%
ROE (%)
Value6.50
Score2/3
Weight7.78%
1M Return3.42%
Value6.50
Score2/3
Weight7.78%
1M Return3.42%
Cash-MV
Value-1.36
Score3/3
Weight18.58%
1M Return7.53%
Value-1.36
Score3/3
Weight18.58%
1M Return7.53%
Is ISBA undervalued or overvalued?
- ISBA scores 2.94/10 on fundamentals and holds a Premium valuation at present. Backed by its 6.50% ROE, 24.01% net margin, 21.86 P/E ratio, 1.56 P/B ratio, and 34.97% earnings growth, these metrics solidify its Underperform investment rating.
