Is ISABELLA BANK CORP (ISBA) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 34.5% | |
| Net Margin | 23.9% | |
| Return on Equity (ROE) | 8.6% | |
| Return on Assets (ROA) | 0.9% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $27M |
| Free Cash Flow | $23M |
| Total Debt | $75M |
| Total Assets | $2.2B |
Price & Trading
| Last Close | $44.28 |
| 50-Day MA | $48.59 |
| 200-Day MA | $40.47 |
| Avg Volume | 22K |
| Beta | 0.1 |
|
52-Week Range
$21.50
| |
About ISABELLA BANK CORP (ISBA)
Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides banking and wealth management services to businesses, institutions, and individuals and their families in Michigan, the United States. The company offers deposit products, including checking and savings accounts; and certificates of deposit, direct deposits, and cash management services. Its loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans, including secured and unsecured personal loans. In addition, the company provides mobile and internet banking, investment management, trust and estate services, automated teller machines, and insurance products. Isabella Bank Corporation was founded in 1903 and is headquartered in Mount Pleasant, Michigan.
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Frequently Asked Questions
Is ISABELLA BANK CORP (ISBA) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), ISABELLA BANK CORP is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is ISABELLA BANK CORP's debt ratio?
ISABELLA BANK CORP's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are ISABELLA BANK CORP's key financial metrics?
ISABELLA BANK CORP has a market capitalization of $335M, trailing P/E ratio of 17.9, and revenue of $76M. Return on equity stands at 8.6%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.