insiderdelta
CoverageForm 410-K10-Q8-K13D13G13F

ISBA · Isabella Bank Corp - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · ISBA

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AnnualQuarterly

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue------
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses------
D&A$2.14M$2.09M$1.98M$2.07M$2.31M$2.62M
Operating Income$24.12M$16.40M$21.83M$26.84M$23.35M$11.87M
Interest Expense--$21.69M$5.32M$7.41M$13.82M
Income Tax$5.21M$2.51M$3.67M$4.61M$3.85M$987.0K
Net Income$18.91M$13.89M$18.17M$22.24M$19.50M$10.88M
EPS - Basic$2.56$1.86$2.42$2.95$2.48$1.37
EPS - Diluted$2.56$1.86$2.40$2.91$2.45$1.34

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$26.04M$24.54M$33.67M$38.92M$105.33M$246.64M
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$2.21B$2.09B$2.06B$2.03B$2.03B$1.96B
Current Liabilities------
Long-term Debt------
Total Liabilities$1.98B$1.88B$1.86B$1.84B$1.82B$1.74B
Stockholders' Equity$231.40M$210.28M$202.40M$186.21M$211.05M$218.59M
Retained Earnings$113.85M$103.02M$97.28M$89.75M$75.59M$64.46M

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$26.82M$19.64M$23.71M$26.94M$25.50M$22.00M
Investing Cash Flow($115.88M)($37.87M)($25.78M)($106.25M)($229.63M)$45.13M
Financing Cash Flow$90.56M$9.10M($3.19M)$12.91M$62.82M$118.94M
CapEx$3.48M$2.11M$4.06M$3.21M$1.59M$1.52M
Free Cash Flow$23.34M$17.53M$19.65M$23.73M$23.91M$20.48M

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin------
EBITDA margin------
Net margin------
Free cash flow margin------
FCF / Net income1.231.261.081.071.231.88
R&D / Revenue------
SG&A / Revenue------
Effective tax rate21.6%15.3%16.8%17.2%16.5%8.3%
Return on assets0.9%0.7%0.9%1.1%1.0%0.6%
Return on equity8.2%6.6%9.0%11.9%9.2%5.0%
Return on invested capital------
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity------
Debt / Assets------
Debt / EBITDA------
Interest coverage--1.0x5.0x3.1x0.9x
Equity multiplier9.559.9210.1710.909.638.95
Liabilities / Assets0.900.900.900.910.900.89
Efficiency
Asset turnover------
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E19.5x14.0x9.0x8.1x10.4x14.6x
P / B1.6x0.9x0.8x1.0x1.0x0.7x
P / S------
EV / EBITDA13.1x9.2x5.4x4.9x3.8x-6.1x
Growth
Revenue growth (YoY)------
Revenue CAGR (3y)------
Revenue CAGR (5y)------
Gross profit growth (YoY)------
Operating income growth (YoY)47.1%-24.9%-18.7%15.0%96.7%-17.6%
Net income growth (YoY)36.2%-23.5%-18.3%14.0%79.1%-16.4%
EPS growth (YoY)37.6%-22.5%-17.5%18.8%82.8%-16.8%
EPS CAGR (3y)-4.2%-8.8%21.4%21.8%12.1%-6.7%
EPS CAGR (5y)13.8%2.9%6.6%12.0%7.2%-6.7%
FCF growth (YoY)33.1%-10.8%-17.2%-0.7%16.7%-6.8%
FCF CAGR (5y)2.6%-4.4%-0.1%9.7%9.3%24.1%
Book value growth (YoY)10.0%3.9%8.7%-11.8%-3.4%4.0%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Product / service

$13.29M total
Debit Card$4.22M · 31.8%
Fiduciary And Trust$3.52M · 26.5%
Customer Overdraft Fees$2.27M · 17.1%
ATMIncome$1.07M · 8.0%
Service Charges And Deposit Account Fees$946.0K · 7.1%
Investment Advice$725.0K · 5.5%
Other Revenue$540.0K · 4.1%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

5/9
Neutral
  • ✓Net income positive
  • ✓Operating cash flow positive
  • ✓ROA improved YoY
  • ✓Cash flow > net income
  • -Long-term debt decreased
  • -Current ratio improved
  • ✓No share dilution
  • -Gross margin improved
  • -Asset turnover improved

Peer comparison

Same SIC group: State Commercial Banks

CompanyRevenue (last FY)Net marginROE
ASB--9.5%
CZNC$5.98M392.0%6.9%
SBSI--8.2%
CBSH--14.9%
BUSE$719.58M18.8%5.5%

Comparing ISABELLA BANK CORP against the 5 most active filers in the same SIC group.

Dividends

$1.12/share trailing 12 months · 0.0% YoY

Ex-datePer share
Mar 27, 2026$0.2800
Dec 17, 2025$0.2800
Sep 26, 2025$0.2800
Jun 26, 2025$0.2800
Mar 27, 2025$0.2800
Dec 16, 2024$0.2800
Sep 26, 2024$0.2800
Jun 26, 2024$0.2800
Mar 26, 2024$0.2800
Dec 12, 2023$0.2800
Sep 26, 2023$0.2800
Jun 27, 2023$0.2800
Mar 28, 2023$0.2800
Dec 13, 2022$0.2800
Sep 27, 2022$0.2700
Jun 27, 2022$0.2700
Mar 28, 2022$0.2700
Dec 13, 2021$0.2700
Sep 27, 2021$0.2700
Jun 25, 2021$0.2700
Mar 25, 2021$0.2700
Dec 15, 2020$0.2700
Sep 25, 2020$0.2700
Jun 25, 2020$0.2700