This week, I'm looking for the fourth financial services representative of seven for my Ivy portfolio.

That financial services sector includes six industries all Financial Services includes twenty industries ranging from Asset Management to 8 kinds of Banks, Credit, Exchanges, 6 kinds of Insurance, Savings, and all such financial concerns.

Today I'm reviewing a micro-cap bank - regional -US named Isabella Bank Corp. Its trading ticker symbol is ISBA.

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 for 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.

As of March 12, 2018, the company operated 29 banking offices; and a loan production office in 7 Mid-Michigan counties. Isabella Bank Corporation was founded in 1903 and is headquartered in Mount Pleasant, Michigan.

I use three key data points to gauge the value of any dividend equity-like Isabella Bank Corp:

(1) Price

(2) Dividends

(3) Returns

Besides those three, several other keys will finally unlock an equity or fund in which to invest.

Those first three primary keys, however, best tell whether a company has made, is making, and will make money.

ISBA Price

Isabella's price per share closed at $23.55 yesterday. A year ago its price was $26.85. The price fell $3.30 or 12.3% in the past year.

Assuming Isabella's stock trades in the range of $20 to $28 this year, Isabella's recent $23.55 price could rise by $1.45 and go to $25.00 by early-April, 2020.

ISBA Dividends

Isabella's most recent Quarterly dividend was $0.26  declared March 1st and paid, in March 29th.

That $0.26 Q dividend equates to an annual payout of $1.04 or a yield of 4.4% at yesterday's $23.55 closing price.

Gains For ISBA?

Adding the $1.04 annual estimated dividend to my $1.45 estimate of Isabella's price upside shows a $2.49 potential gross annual gain, per share, which will be reduced by costs to trade those shares.

Say we put a little under $1,000.00 today at the $23.55 recent stock price would buy us 42 Isabella Bank Corp shares.

A $10 broker fee paid half at purchase and half at sale costs $0.24 per share.

Subtract that $0.24 brokerage cost from the estimated $2.49 gross annual gain leaves a net gain of $2.25 X 42 shares

= $94.50 or a 9.5% net gain on a $989.10 investment.

Therefore, Isabella Bank Corp, whose trading ticker symbol is ISBA, now shows a possible net gain of about 9.5% including a 4.4% dividend yield.

NO brokers cover this stock:

No comments on my optimistic upside prediction.

Therefore, you can look at  Isabella Bank Corp and see it has made money, is making money, and could net 9.5% gains including a 4.4% dividend yield. It could be more, it could be less.

The above speculation is based on past year performance. The actual results remain to be seen to determine if Isabella Bank Corp is worth your time and money.