Sarah Opperman - Isabella Bank Independent Director

ISBA Stock  USD 18.60  0.40  2.11%   

Director

Ms. Sarah R. Opperman is Independent Director of Isabella Bank Corporationrationration., since july 2012. She was a director of the Bank and Isabella Bank Corporation since 2012. Ms. Opperman is the owner of Opperman Consulting, LLC. She previously was employed for 28 years by The Dow Chemical Company, where she held leadership roles in public and government affairs. Ms. Opperman is a member of the Central Michigan University Advancement Board. She also is Chair of the MidMichigan Health Foundation and serves on the United Way of Midland County Board of Directors.. since 2012.
Age 57
Tenure 12 years
Phone989 772 9471
Webhttps://www.isabellabank.com

Isabella Bank Management Efficiency

The company has return on total asset (ROA) of 0.011 % which means that it generated a profit of $0.011 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.112 %, meaning that it created $0.112 on every $100 dollars invested by stockholders. Isabella Bank's management efficiency ratios could be used to measure how well Isabella Bank manages its routine affairs as well as how well it operates its assets and liabilities.
The company currently holds 29.25 M in liabilities. Debt can assist Isabella Bank until it has trouble settling it off, either with new capital or with free cash flow. So, Isabella Bank's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Isabella Bank sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Isabella to invest in growth at high rates of return. When we think about Isabella Bank's use of debt, we should always consider it together with cash and equity.

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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. Isabella Bank Corporation was founded in 1903 and is headquartered in Mount Pleasant, Michigan. Isabella Bank operates under BanksRegional classification in the United States and is traded on OTC Exchange. It employs 330 people. Isabella Bank [ISBA] is traded as part of a regulated electronic over-the-counter service offered by the NASD.

Management Performance

Isabella Bank Leadership Team

Elected by the shareholders, the Isabella Bank's board of directors comprises two types of representatives: Isabella Bank inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Isabella. The board's role is to monitor Isabella Bank's management team and ensure that shareholders' interests are well served. Isabella Bank's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Isabella Bank's outside directors are responsible for providing unbiased perspectives on the board's policies.
Gregory Varner, Director
Thomas Kleinhardt, Independent Director
Jennifer Gill, VP Controller
Mary Olivieri, Community Officer
Jae Evans, CEO, Director and Director of Isabella Bank
Jerome Schwind, President of Isabella Bank and Chief Operations Officer of Isabella Bank
Jeffrey Barnes, Independent Director
Jill Bourland, Independent Director
Richard Barz, Director
David Reetz, Chief Lending Officer of Isabella Bank and Sr. VP of Isabella Bank
Joseph Manifold, Independent Director
Patricia Plaxton, VP
Peggy Wheeler, COO
Steven Pung, President of Isabella Bank
Rhonda Tudor, Interim CFO
Debra Campbell, IR Contact
Daniel Eversole, Sr. VP of HR
Douglas McFarlane, Pres Inc
Miles Coffland, Assistant Auditing
Neil McDonnell, Chief Officer
Dennis Angner, President, CFO, Principal Accounting Officer, Director and Director of Isabella Bank
David Maness, Independent Director
Michael Prisby, VP Treasurer
Charles Hubscher, Independent Director
Joseph LaFramboise, Independent Director
Sarah Opperman, Independent Director
Michael McGuire, Independent Director

Isabella Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right otc stock is not an easy task. Is Isabella Bank a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Isabella Bank in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Isabella Bank's short interest history, or implied volatility extrapolated from Isabella Bank options trading.

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Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in Isabella Bank. Also, note that the market value of any OTC Stock could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of labor statistics.
Note that the Isabella Bank information on this page should be used as a complementary analysis to other Isabella Bank's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Portfolio Manager module to state of the art Portfolio Manager to monitor and improve performance of your invested capital.

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When running Isabella Bank's price analysis, check to measure Isabella Bank's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Isabella Bank is operating at the current time. Most of Isabella Bank's value examination focuses on studying past and present price action to predict the probability of Isabella Bank's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Isabella Bank's price. Additionally, you may evaluate how the addition of Isabella Bank to your portfolios can decrease your overall portfolio volatility.
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Please note, there is a significant difference between Isabella Bank's value and its price as these two are different measures arrived at by different means. Investors typically determine if Isabella Bank is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Isabella Bank's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.