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Isabella Bank Corporation · NASDAQ
Price: $40.78 · Annual div: $1.12/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in ISBA → $1.12M in 10 years · $30.14/month
Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides various banking products and services to businesses, institutions, and individuals and their families. Its deposit products include checking accounts, savings accounts, certificates of deposit, direct deposits, and money market accounts. The company's loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans, including secured and unsecured personal loans. It also offers cash management, mobile and internet banking, electronic bill pay, automated teller machines, trust and investment, estate planning, and safe deposit box rental services; and group life, health, accident, disability, and other insurance products, as well as other employee benefit programs. As of December 31, 2021, the company operated 30 banking offices in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. Isabella Bank Corporation was founded in 1903 and is headquartered in Mount Pleasant, Michigan.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold ISBA.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 2.75% | -0.05% | $275 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.34% | -0.46% | $234 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.20% | -0.60% | $220 / yr |
| 🇬🇧 UK ISA | 0% | 2.75% | -0.05% | $275 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.51% | -0.29% | $251 / yr |
| 🇨🇦 TFSA | 0% | 2.75% | -0.05% | $275 / yr |
| 🇨🇦 CA Taxable | 25% | 2.06% | -0.74% | $206 / yr |
| 🇦🇺 Super (pension) | 15% | 2.34% | -0.46% | $234 / yr |
| 🇦🇺 AU Taxable | 30% | 1.92% | -0.88% | $193 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.02% | -0.78% | $202 / yr |
| 🇫🇷 FR Taxable | 30% | 1.92% | -0.88% | $193 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.12/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
ISBA pays quarterly — 4 times per year. Next ex-div: TBD.
How ISBA compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for ISBA sourced from FMP /financial-growth endpoint — real data, not estimates.
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| A-Award | 2026-06-01 | 3 | $41.49 | $124.00 | ||
| A-Award | 2026-06-01 | 225 | $41.49 | $9.3K | ||
| A-Award | 2026-06-01 | 113 | $41.49 | $4.7K | ||
| A-Award | 2026-06-01 | 43 | $41.49 | $1.8K | ||
| A-Award | 2026-06-01 | 22 | $41.49 | $913.00 | ||
| A-Award | 2026-06-01 | 9 | $41.49 | $373.00 | ||
| A-Award | 2026-06-01 | 30 | $41.49 | $1.2K | ||
| A-Award | 2026-06-01 | 30 | $41.49 | $1.2K | ||
| A-Award | 2026-06-01 | 7 | $41.49 | $290.00 | ||
| Buy | 2026-05-18 | 7.308 | $41.05 | $300.00 |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the ISBA dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
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