MARKET WIREReuters • 3h ago
Iran's IRGC Navy says two tankers 'exploded' after hitting mines in Hormuz - ReutersIran's IRGC Navy says two tankers 'exploded' after hitting mines in Hormuz Reuters
Why ISBA Stock advanced +0.84% Today — RQD Quant Desk Flash
$39.69 +0.84% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $39.67
Isabella Bank Corporation (ISBA) carries a Roarable Rating of C- (Hold) with 61/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
ROARABLE C- • HOLD / WATCH
Cap $302.8M
INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $39.67 (-0.04%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 0.6% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY • 53.9% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →RQD QUANT TACHOMETERHOLD / WATCH • C-
JEV AI Jury Split (Battleground)
Cash
SEC
Whale
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
5-PILLAR SNOWFLAKE RADARRw C- · Rk C
Each axis scored 0–20
12M PRICE TARGET CONE+1.4% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ISBA)Realized 20D OHLCV Swing Band: ±5.5%
Deterministic 5-Pillar Attribution (61/100 Composite)
🔍 WHY ISBA SCORES 61/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (26% of score)
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9
▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)
Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade C-$37.29-1.6% Next Q
53
Q2 (-2Q)Grade C$36.71+5.4% Next Q
56
Q3 (-1Q)Grade C$38.69+2.6% Next Q
58
CurrentGrade C-$39.69+0.5% Hist 90D α
61
Trajectory: C- (53) → C- (61)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER
⚔️ Adversarial Opposing Case: Why the ISBA Bull Thesis Could Fail
Even with a 61/100 (C-) score, ISBA faces multiple-compression risk if 16.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
⚠️ Forensic Kill-Switch #1
Broader market pullbacks can still drag down strong stocks in the short run.
⚠️ Forensic Kill-Switch #2
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
⚠️ Forensic Kill-Switch #3
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($38.39) or 200D SMA ($42.65) invalidates the momentum regime and cuts Target Base ($40.23) toward Bear Floor ($31.38).
🎲 LIVE PREDICTION MARKET ODDS TIED TO $ISBA• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “ISBA Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why ISBA Stock advanced +0.84% Today — RQD Quant Desk Flash
Isabella Bank Corporation (ISBA) advanced +0.84% to $39.69, trading at 18% of its 52-week range ($35.39 – $58.83). Solid steady margins (8% return on capital), mixed timing at 16x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 18% of its 52-week range ($35.39 – $58.83) with RSI-14 at 61.7 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.5% around $39.69 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C- (Hold) backed by 52% gross margin and $23.3M annual free cash flow.
Live ISBA Headlines & Catalysts
MARKET WIRECNBC • 5h ago
Here are 3 big things we're watching in the stock market in the week aheadThe market could use a few victories in the days ahead, which will be filled with more earnings, an election, and jobs data.
MARKET WIRECNBC • 5h ago
Democratic Rep. Stevens endorses Rogers over El-Sayed in Michigan Senate electionHaley Stevens had lost the Democratic nomination for Senate in Michigan to Abdul El-Sayed earlier this year.
RISK WATCHReuters • 7h ago
Israeli strikes kill eight people in Gaza - medics say - ReutersIsraeli strikes kill eight people in Gaza - medics say Reuters
MARKET WIREReuters • 8h ago
Russia's FSB says minor detained over park attack threat after US tip-off - ReutersRussia's FSB says minor detained over park attack threat after US tip-off Reuters
MARKET WIREReuters • 9h ago
Iran, Qatari mediators hold third day of talks to end US-Iran war - ReutersIran, Qatari mediators hold third day of talks to end US-Iran war Reuters
CATALYSTReuters • 9h ago
Qatar surges, bucking Gulf market slide on Iran war concerns - ReutersQatar surges, bucking Gulf market slide on Iran war concerns Reuters
MARKET WIREReuters • 10h ago
OPEC+ keeps December oil output targets steady ahead of tougher call for 2027 - ReutersOPEC+ keeps December oil output targets steady ahead of tougher call for 2027 Reuters
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk
Scheduled RQD Strong Buys & Whale Accumulation Briefing (ISBA Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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ISBA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -0.30%⚡ TESTING RESISTANCE
2026-10-30O $39.46H $39.98L $39.46C $39.69VOL 18.7K
RES: $40.42SUP: $34.63SMA50: $38.39SMA200: $42.65
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
ISBA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor (#25)
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle (#30)
8.6%/yr Implied 5Y Growth
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
Ellis Vennor Setup Ledger (#33)
No active Ellis Vennor swing setup published on ISBA today. View full Setup Ledger →
🦋 Documented & Second-Order Butterfly Connections
Open Graph →
No direct multi-tier Butterfly edges indexed yet for ISBA. Explore sector supply chains on /butterfly.
AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for ISBA today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ISBA)
Financials Rank #470 of 1096
⚔️ ATLO vs ISBA Full Matrix →
1. Head-to-Head Financials Peer Comparison (ISBA vs. ATLO, MYFW, FVCB, FUNC)
Industry: Major Banks (248 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Isabella Bank Corporation (ISBA) ranks #470 by composite RQD confidence (61/100, grade C-) and #804 by equity capitalization ($302.8M). Within this direct 5-issuer industry benchmark cohort, FUNC leads on earnings valuation at 12.1x trailing P/E, while FUNC leads on capital efficiency and profitability with 12.0% ROIC and — gross margin. FVCB currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with ISBA at 61/100 (C-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| ISBA
ACTIVE
Isabella Bank Corporation | C- | 61/100 | 16.0x | — | 8.2% | +0.84% | $302.8M | Benchmark Subject |
| ATLO Ames National Corporation | C- | 61/100 | 15.8x | — | 9.2% | +0.24% | $299.9M | /atlo-vs-isba → |
| MYFW First Western Financial Inc. | D- | 37/100 | 23.3x | — | 5.0% | -0.22% | $307.2M | /myfw-vs-isba → |
| FVCB FVCBankcorp Inc. | B- | 71/100 | 13.9x | — | 8.7% | -0.41% | $307.3M | /fvcb-vs-isba → |
| FUNC First United Corporation | C | 63/100 | 12.1x | — | 12.0% | +0.42% | $297.0M | /func-vs-isba → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000842517In its most recent audited fiscal period (FY2025, filed 2025-12-31), Isabella Bank Corporation (ISBA) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $18.9M, operating cash flow of $26.8M, and free cash flow of $23.3M (+33.1% YoY). On the balance sheet, ISBA closed FY2025 with $2.21B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $18.9M | $26.8M | $23.3M | $2.21B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $13.9M | $19.6M | $17.5M | $2.09B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $18.2M | $24.2M | $24.2M | — | — |
3. ISBA Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs ISBA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-01, Isabella Bank Corporation (NASDAQ: ISBA) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $39.69 (+0.84% 1D, market cap $302.8M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, ISBA ranks #470 in composite RQD confidence.
How does ISBA compare to ATLO and MYFW in the Financials sector?
Within the Financials sector (Major Banks), ISBA carries a Roarable C- (61/100 RQD), trailing P/E of 16.0x, gross margin of —, and ROIC of 8.2%. By comparison, ATLO (Ames National Corporation) holds a C- grade (61/100 RQD, P/E 15.8x, ROIC 9.2%, cap $299.9M) and MYFW (First Western Financial Inc.) posts a D- grade (37/100 RQD, P/E 23.3x, ROIC 5.0%, cap $307.2M). Among the 5-stock peer group, FUNC leads on earnings multiple (12.1x) while FUNC leads on capital efficiency (12.0% ROIC).
What are the biggest fundamental strengths and SEC risk factors for ISBA?
Per ISBA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000842517), Isabella Bank Corporation generated $0 in revenue, $18.9M in net income, and $23.3M in free cash flow against $2.21B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is ISBA trading relative to its 50-day, 200-day, and 52-week technical levels?
ISBA last traded at $39.69 (+0.84% on volume of 13,561 shares), positioning the stock +3.39% above its 50-day simple moving average ($38.39) and -6.94% below its 200-day simple moving average ($42.65). Across its 52-week range of $35.39 to $58.83, ISBA sits at the 18.3% percentile with a 14-day RSI of 61.7 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.5% ($37.51 to $41.87).
ISBA Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is ISBA stock moving today?
Why ISBA Stock advanced +0.84% Today — RQD Quant Desk Flash. Solid steady margins (8% return on capital), mixed timing at 16x P/E—hold if owned, no rush to chase.