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Isabella Bank (Isabella Bank) Cyclically Adjusted Revenue per Share : $8.89 (As of Mar. 2024)


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What is Isabella Bank Cyclically Adjusted Revenue per Share?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Isabella Bank's adjusted revenue per share for the three months ended in Mar. 2024 was $2.139. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $8.89 for the trailing ten years ended in Mar. 2024.

During the past 12 months, Isabella Bank's average Cyclically Adjusted Revenue Growth Rate was 4.30% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 6.30% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 4.70% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was 5.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Isabella Bank was 18.80% per year. The lowest was 2.00% per year. And the median was 7.30% per year.

As of today (2024-06-02), Isabella Bank's current stock price is $18.78. Isabella Bank's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2024 was $8.89. Isabella Bank's Cyclically Adjusted PS Ratio of today is 2.11.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Isabella Bank was 5.21. The lowest was 2.02. And the median was 3.55.


Isabella Bank Cyclically Adjusted Revenue per Share Historical Data

The historical data trend for Isabella Bank's Cyclically Adjusted Revenue per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Isabella Bank Cyclically Adjusted Revenue per Share Chart

Isabella Bank Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.17 7.27 7.81 8.36 8.74

Isabella Bank Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.52 8.63 8.70 8.74 8.89

Competitive Comparison of Isabella Bank's Cyclically Adjusted Revenue per Share

For the Banks - Regional subindustry, Isabella Bank's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Isabella Bank's Cyclically Adjusted PS Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Isabella Bank's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Isabella Bank's Cyclically Adjusted PS Ratio falls into.



Isabella Bank Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Isabella Bank's adjusted Revenue per Share data for the three months ended in Mar. 2024 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=2.139/131.7762*131.7762
=2.139

Current CPI (Mar. 2024) = 131.7762.

Isabella Bank Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201406 1.681 100.560 2.203
201409 1.682 100.428 2.207
201412 1.330 99.070 1.769
201503 1.548 99.621 2.048
201506 1.592 100.684 2.084
201509 1.635 100.392 2.146
201512 1.527 99.792 2.016
201603 1.577 100.470 2.068
201606 1.589 101.688 2.059
201609 1.661 101.861 2.149
201612 1.609 101.863 2.082
201703 1.660 102.862 2.127
201706 1.701 103.349 2.169
201709 1.729 104.136 2.188
201712 1.749 104.011 2.216
201803 1.713 105.290 2.144
201806 1.770 106.317 2.194
201809 1.784 106.507 2.207
201812 1.802 105.998 2.240
201903 1.745 107.251 2.144
201906 1.833 108.070 2.235
201909 1.899 108.329 2.310
201912 1.745 108.420 2.121
202003 1.801 108.902 2.179
202006 1.860 108.767 2.253
202009 1.948 109.815 2.338
202012 2.057 109.897 2.467
202103 1.994 111.754 2.351
202106 1.906 114.631 2.191
202109 1.985 115.734 2.260
202112 2.139 117.630 2.396
202203 2.148 121.301 2.333
202206 2.327 125.017 2.453
202209 2.388 125.227 2.513
202212 2.452 125.222 2.580
202303 2.362 127.348 2.444
202306 2.333 128.729 2.388
202309 2.251 129.860 2.284
202312 2.172 129.419 2.212
202403 2.139 131.776 2.139

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.


Isabella Bank  (OTCPK:ISBA) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Isabella Bank's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=18.78/8.89
=2.11

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Isabella Bank was 5.21. The lowest was 2.02. And the median was 3.55.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Isabella Bank Cyclically Adjusted Revenue per Share Related Terms

Thank you for viewing the detailed overview of Isabella Bank's Cyclically Adjusted Revenue per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


Isabella Bank (Isabella Bank) Business Description

Industry
Traded in Other Exchanges
N/A
Address
401 North Main Street, Mount Pleasant, MI, USA, 48858
Isabella Bank Corp is a US based financial service holding company. It offers banking services to businesses, institutions, and individuals. Its lending activities include loans made according to commercial and agricultural operating and real estate purposes, residential real estate loans, and consumer loans. Deposit services offered include checking accounts, savings accounts, certificates of deposit, direct deposits, cash management services, mobile and internet banking, electronic bill pay services, and automated teller machines. The company also offers full-service trust and brokerage services.
Executives
Jill Bourland director 619 S. MISSION ST., MOUNT PLEASANT MI 48858
Jon D Catlin officer: Chief Credit Officer 139 E. BROADWAY ST., MT. PLEASANT MI 48858
Jerome E Schwind officer: Executive VP & COO 2132 COBBLESTONE CT., MT. PLEASANT MI 48858
Peggy Wheeler officer: Senior Vice President
Gregory V Varner director 8439 N. BLAIR RD., BRECKENRIDGE MI 48615
Chad R Payton director 214 EAST RIVER ROAD, MT. PLEASANT MI 48858
Sarah R Opperman director 401 N MAIN ST, MT PLEASANT MI 48858
Richard L Mcguirk director 770 STONERIDGE DR., MT. PLEASANT MI 48858
David J Maness director PO BOX 100, MT PLEASANT MI 48858
Jae A Evans director, officer: CEO 1030 CLUBHOUSE DRIVE, LAKE ISABELLA MI 48893
Vicki L Rupp director 4399 HACKETT ROAD, SAGINAW MI 48603
Melinda Marie Coffin director 253 S. LEATON RD., MT. PLEASANT MI 48858
G Charles Hubscher director 3660 MINERAL SPRINGS TRAIL, MT PLEASANT MI 48858
Michael P Prisby officer: Treasurer 707 RIDGE ROAD, MUNSTER IN 46321
Julie Huber officer: VP & Chief Technology Officer 401 N MAIN STREET, MT. PLEASANT MI 48858