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Isabella Bank (ISBA) Financials

$39.29 +0.17 (+0.43%)
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Annual Income Statements for Isabella Bank

Annual Income Statements for Isabella Bank

This table shows Isabella Bank's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 15 14 13 14 13 11 19 22 18 14 19
Consolidated Net Income / (Loss)		 15 14 13 14 13 11 19 22 18 14 19
Net Income / (Loss) Continuing Operations		 15 14 13 14 13 11 19 22 18 14 19
Total Pre-Tax Income 		18 16 16 15 14 12 23 27 22 16 24
Total Revenue		 52 54 57 59 57 65 67 74 72 70 79
Net Interest Income / (Expense)		 41 43 46 48 49 50 53 60 58 56 63
Total Interest Income		 52 54 58 64 67 64 60 66 80 90 96
Loans and Leases Interest Income		 36 39 44 49 54 54 51 53 66 77 81
Investment Securities Interest Income		 15 14 14 14 12 9.04 8.00 11 13 12 12
Federal Funds Sold and Securities Borrowed Interest Income		 0.60 0.82 0.90 1.12 1.20 1.03 0.71 1.17 1.45 0.95 2.47
Total Interest Expense		 10 11 12 16 18 14 7.41 5.32 22 34 33
Deposits Interest Expense		 5.85 5.84 6.81 9.26 12 8.88 5.44 4.02 18 30 30
Short-Term Borrowings Interest Expense		 - - - - - - - - 1.31 1.95 0.49
Long-Term Debt Interest Expense		 4.31 5.03 5.69 6.37 6.21 4.91 1.92 1.22 1.07 1.07 1.07
Federal Funds Purchased and Securities Sold Interest Expense		 - - - - 0.05 0.04 0.05 0.08 0.96 1.44 1.69
Total Non-Interest Income		 10 11 11 11 8.04 14 14 14 14 15 16
Trust Fees by Commissions		 - - 2.61 2.84 2.79 2.58 - - 3.56 4.04 4.25
Other Service Charges		 8.85 9.45 6.47 6.60 6.94 6.91 8.26 9.15 8.97 9.32 9.91
Net Realized & Unrealized Capital Gains on Investments		 0.74 0.90 0.84 0.53 0.65 2.72 1.69 0.63 0.32 0.21 0.18
Other Non-Interest Income		 0.77 0.76 0.92 1.02 -2.34 2.22 0.80 0.88 0.92 1.01 1.63
Provision for Credit Losses		 -2.77 -0.14 0.25 0.98 0.03 1.67 -0.52 0.48 0.63 1.88 -0.56
Total Non-Interest Expense		 36 38 40 43 43 51 44 47 49 52 55
Salaries and Employee Benefits		 18 19 22 23 23 24 24 25 26 29 30
Net Occupancy & Equipment Expense		 8.18 8.50 8.54 9.32 9.28 9.34 9.12 9.70 10 11 11
Marketing Expense		 - - - - - - - 1.98 2.07 1.71 1.99
Property & Liability Insurance Claims		 - - - - - - - 0.54 0.92 1.13 1.18
Other Operating Expenses		 9.44 10 10 11 11 10 11 8.72 10 10 11
Income Tax Expense		 3.29 2.35 3.02 1.36 1.38 0.99 3.85 4.61 3.67 2.51 5.21
Basic Earnings per Share		 $1.95 $1.77 $1.69 $1.78 $1.65 $1.37 $2.48 $2.95 $2.42 $1.86 $2.56
Weighted Average Basic Shares Outstanding		 7.78M 7.81M 7.84M 7.87M 7.92M 7.96M 7.53M 7.56M 7.50M 7.41M 7.33M
Diluted Earnings per Share		 $1.90 $1.73 $1.65 $1.74 $1.61 $1.34 $2.45 $2.91 $2.40 $1.86 $2.56
Weighted Average Diluted Shares Outstanding		 7.78M 7.81M 7.84M 7.87M 7.92M 7.96M 7.53M 7.56M 7.50M 7.41M 7.33M
Weighted Average Basic & Diluted Shares Outstanding		 7.78M 7.81M 7.84M 7.87M 7.92M 7.96M 7.53M 7.56M 7.50M 7.41M 7.33M
Cash Dividends to Common per Share		 $0.94 $0.98 $1.02 $1.04 $1.05 $1.08 $1.08 $1.09 $1.12 $1.12 $1.12

Quarterly Income Statements for Isabella Bank

This table shows Isabella Bank's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 4.41 3.80 3.13 3.48 3.28 4.00 3.95 5.03 5.24 4.69 4.99
Consolidated Net Income / (Loss)		 4.41 3.80 3.13 3.48 3.28 4.00 3.95 5.03 5.24 4.69 4.99
Net Income / (Loss) Continuing Operations		 4.41 3.80 3.13 3.48 3.28 4.00 3.95 5.03 5.24 4.69 4.99
Total Pre-Tax Income 		5.35 4.53 3.64 4.09 3.84 4.82 4.86 6.17 6.28 6.82 5.98
Total Revenue		 18 17 17 17 18 19 18 19 20 21 21
Net Interest Income / (Expense)		 14 14 13 14 14 15 15 15 16 17 17
Total Interest Income		 20 21 21 22 23 23 23 23 25 25 25
Loans and Leases Interest Income		 17 18 18 19 20 20 19 20 21 22 21
Investment Securities Interest Income		 3.05 3.12 3.03 2.96 2.92 2.82 2.80 3.16 3.06 3.11 3.06
Federal Funds Sold and Securities Borrowed Interest Income		 0.16 0.36 0.29 0.26 0.19 0.20 0.48 0.25 1.24 0.50 0.60
Total Interest Expense		 6.18 7.44 8.14 8.54 8.85 8.61 8.11 8.11 8.72 8.55 8.25
Deposits Interest Expense		 5.02 6.40 7.16 7.31 7.63 7.58 7.46 7.39 8.01 7.38 7.11
Short-Term Borrowings Interest Expense		 - - 0.39 0.64 0.57 0.35 0.04 0.13 0.00 0.32 0.13
Long-Term Debt Interest Expense		 0.88 -0.62 0.27 0.27 0.27 0.27 0.27 0.27 0.27 0.27 0.27
Federal Funds Purchased and Securities Sold Interest Expense		 0.28 0.36 0.32 0.32 0.38 0.41 0.34 0.32 0.44 0.59 0.74
Total Non-Interest Income		 3.41 3.52 3.47 3.61 3.53 3.97 3.53 3.69 4.31 4.44 4.36
Trust Fees by Commissions		 - - - - 1.00 - 0.98 - 1.07 - 1.11
Other Service Charges		 2.22 2.19 2.25 2.24 2.24 2.59 2.15 2.26 2.73 2.78 2.77
Net Realized & Unrealized Capital Gains on Investments		 0.11 0.09 0.03 0.07 0.04 0.08 0.03 0.05 0.04 0.07 0.03
Other Non-Interest Income		 0.23 0.24 0.24 0.25 0.25 0.26 0.37 0.30 0.47 0.49 0.45
Provision for Credit Losses		 -0.29 0.68 0.39 0.17 0.95 0.38 -0.11 -1.10 0.21 0.43 0.60
Total Non-Interest Expense		 13 12 13 13 13 13 13 14 14 14 15
Salaries and Employee Benefits		 6.64 6.12 7.02 6.97 7.25 7.34 7.38 7.50 7.63 7.53 7.93
Net Occupancy & Equipment Expense		 2.54 2.55 2.71 2.62 2.65 2.55 2.60 2.65 2.63 2.66 2.84
Marketing Expense		 - - 0.43 0.43 0.40 0.46 0.46 0.47 0.51 0.55 0.51
Property & Liability Insurance Claims		 0.23 - 0.25 0.28 0.29 0.31 0.30 0.27 0.27 0.34 0.31
Other Operating Expenses		 3.26 0.71 2.28 2.60 2.64 2.67 2.55 2.86 2.94 2.84 3.08
Income Tax Expense		 0.94 0.73 0.51 0.61 0.56 0.83 0.91 1.14 1.04 2.13 0.99
Basic Earnings per Share		 $0.59 $0.51 $0.42 $0.47 $0.44 $0.53 $0.53 $0.68 $0.71 $0.64 $0.68
Weighted Average Basic Shares Outstanding		 7.49M 7.50M 7.47M 7.45M 7.44M 7.41M 7.38M 7.36M 7.34M 7.33M 7.33M
Diluted Earnings per Share		 $0.58 $0.51 $0.42 $0.46 $0.44 $0.54 $0.53 $0.68 $0.71 $0.64 $0.68
Weighted Average Diluted Shares Outstanding		 7.49M 7.50M 7.47M 7.45M 7.44M 7.41M 7.38M 7.36M 7.34M 7.33M 7.33M
Weighted Average Basic & Diluted Shares Outstanding		 7.49M 7.50M 7.47M 7.45M 7.44M 7.41M 7.38M 7.36M 7.34M 7.33M 7.33M
Cash Dividends to Common per Share		 $0.28 $0.28 $0.28 $0.28 $0.28 $0.28 $0.28 $0.28 $0.28 $0.28 $0.28

Annual Cash Flow Statements for Isabella Bank

This table details how cash moves in and out of Isabella Bank's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 1.66 1.33 7.95 43 -13 186 -141 -66 -5.25 -9.13 1.50
Net Cash From Operating Activities		 12 20 20 22 23 22 26 27 24 20 27
Net Cash From Continuing Operating Activities		 12 20 20 22 23 22 26 27 24 20 27
Net Income / (Loss) Continuing Operations		 15 14 13 14 13 11 19 22 18 14 19
Consolidated Net Income / (Loss)		 15 14 13 14 13 11 19 22 18 14 19
Provision For Loan Losses		 -2.77 -0.14 - 0.98 0.03 1.67 -0.52 0.48 0.63 1.88 -0.56
Depreciation Expense		 2.68 2.82 2.90 2.94 2.91 2.62 2.31 2.07 1.98 2.09 2.14
Amortization Expense		 2.58 3.30 2.60 2.19 2.16 2.60 2.91 2.02 1.47 1.33 0.97
Non-Cash Adjustments to Reconcile Net Income		 1.12 -0.24 0.27 1.23 3.03 4.65 -0.06 0.63 1.20 -1.07 -1.41
Changes in Operating Assets and Liabilities, net		 -6.65 0.69 0.66 0.61 2.15 -0.42 1.35 -0.55 0.74 1.51 6.77
Net Cash From Investing Activities		 -113 -70 -82 6.52 15 45 -230 -106 -26 -38 -116
Net Cash From Continuing Investing Activities		 -113 -70 -82 6.52 15 45 -230 -106 -26 -38 -116
Purchase of Property, Leasehold Improvements and Equipment		 -5.13 -3.80 -2.04 -2.31 -1.34 -1.52 -1.59 -3.21 -4.06 -2.11 -3.48
Purchase of Investment Securities		 -201 -241 -190 -75 -40 -30 -330 -174 -97 -84 -194
Sale and/or Maturity of Investments		 93 175 111 84 57 75 102 71 75 49 81
Net Cash From Financing Activities		 103 51 70 14 -52 119 63 13 -3.19 9.10 91
Net Cash From Continuing Financing Activities		 103 51 70 14 -52 119 63 13 -3.19 9.10 91
Net Change in Deposits		 90 30 70 27 21 252 144 34 -21 23 73
Issuance of Common Equity		 5.20 5.02 6.18 6.86 4.88 4.19 1.59 1.76 1.62 1.52 1.33
Repayment of Debt		 - - - -4.58 -55 -163 -70 -20 40 -10 15
Repurchase of Common Equity		 -4.59 -4.44 -5.18 -7.01 -4.00 -2.70 -14 -1.12 -3.42 -3.08 -4.71
Payment of Dividends		 -7.27 -7.65 -7.99 -8.17 -8.28 -8.52 -8.37 -8.08 -8.22 -8.15 -8.09
Other Financing Activities, Net		 -0.37 -0.38 -0.42 -0.40 -10 36 -20 6.42 -13 5.43 14
Cash Interest Paid		 10 11 12 15 18 14 7.60 5.31 21 34 33
Cash Income Taxes Paid		 3.49 1.42 3.12 0.05 0.75 0.85 4.05 4.43 2.35 2.06 2.20

Quarterly Cash Flow Statements for Isabella Bank

This table details how cash moves in and out of Isabella Bank's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 86 -82 -8.45 -1.66 3.82 -2.84 45 39 53 -135 24
Net Cash From Operating Activities		 3.84 5.41 3.44 5.53 3.55 7.12 4.65 7.84 2.75 12 3.78
Net Cash From Continuing Operating Activities		 3.84 5.41 3.44 5.53 3.55 7.12 4.65 7.84 2.75 12 3.78
Net Income / (Loss) Continuing Operations		 4.41 3.80 3.13 3.48 3.28 4.00 3.95 5.03 5.24 4.69 4.99
Consolidated Net Income / (Loss)		 4.41 3.80 3.13 3.48 3.28 4.00 3.95 5.03 5.24 4.69 4.99
Provision For Loan Losses		 -0.29 0.68 0.39 0.17 0.95 0.38 -0.11 -1.10 0.21 0.43 0.60
Depreciation Expense		 0.49 0.50 0.51 0.52 0.53 0.53 0.54 0.54 0.53 0.54 0.56
Amortization Expense		 0.38 0.35 0.35 0.34 0.33 0.32 0.31 0.24 0.23 0.20 0.19
Non-Cash Adjustments to Reconcile Net Income		 0.29 0.66 -0.36 -0.44 -0.03 -0.23 -0.08 -0.18 -1.08 -0.07 -0.34
Changes in Operating Assets and Liabilities, net		 -1.43 -0.59 -0.58 1.46 -1.50 2.14 0.04 3.31 -2.38 5.74 -2.23
Net Cash From Investing Activities		 4.96 -8.86 -9.89 -4.83 -35 11 28 -13 -43 -89 -18
Net Cash From Continuing Investing Activities		 4.96 -8.86 -9.89 -4.83 -35 11 28 -13 -43 -89 -18
Purchase of Property, Leasehold Improvements and Equipment		 -1.07 -1.18 -0.82 -0.41 -0.36 -0.52 -0.98 -0.60 -1.02 -0.88 -0.54
Purchase of Investment Securities		 -0.22 -20 -16 -17 -46 -5.45 0.86 -39 -46 -110 -72
Sale and/or Maturity of Investments		 6.24 12 7.28 12 12 17 28 27 4.54 22 54
Net Cash From Financing Activities		 77 -79 -2.00 -2.35 35 -21 12 44 93 -58 39
Net Cash From Continuing Financing Activities		 77 -79 -2.00 -2.35 35 -21 12 44 93 -58 39
Net Change in Deposits		 55 -46 45 -46 60 -35 51 51 76 -106 40
Issuance of Common Equity		 0.36 0.41 0.45 0.39 0.35 0.33 0.42 0.34 0.27 0.30 0.43
Repayment of Debt		 10 -25 -40 45 -30 15 -30 - - 45 -45
Repurchase of Common Equity		 -0.50 -0.51 -0.74 -0.66 -1.02 -0.66 -1.15 -1.51 -0.61 -1.45 -0.40
Payment of Dividends		 -2.06 -2.05 -2.10 -1.99 -2.02 -2.04 -2.03 -2.02 -2.02 -2.01 -2.05
Other Financing Activities, Net		 15 -5.82 -4.22 0.92 7.95 0.79 -6.26 -4.10 19 5.98 46
Cash Interest Paid		 5.73 7.61 7.84 8.81 8.55 8.78 7.92 8.42 8.43 8.71 8.12
Cash Income Taxes Paid		 0.85 0.10 - - - 0.26 0.00 - - 0.30 0.00

Annual Balance Sheets for Isabella Bank

This table presents Isabella Bank's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,668 1,732 1,813 1,843 1,813 1,957 2,032 2,030 2,059 2,086 2,209
Cash and Due from Banks		 19 20 25 24 20 31 - 27 26 23 23
Interest Bearing Deposits at Other Banks		 2.76 2.73 5.58 50 40 215 - 12 8.04 1.71 3.11
Trading Account Securities		 682 580 576 520 451 357 491 596 528 489 498
Loans and Leases, Net of Allowance		 843 1,003 1,084 1,120 1,179 1,229 -9.10 1,254 1,336 1,411 1,523
Loans and Leases		 850 1,011 1,092 1,129 1,187 1,238 - 1,264 1,349 1,424 1,536
Allowance for Loan and Lease Losses		 7.40 7.40 7.70 8.38 7.94 9.74 9.10 9.85 13 13 14
Loans Held for Sale		 1.19 1.82 1.56 0.36 0.90 2.74 - 0.38 0.00 0.24 0.42
Premises and Equipment, Net		 28 29 28 28 26 25 24 26 28 28 29
Intangible Assets		 49 49 49 48 48 48 48 48 48 48 48
Other Assets		 43 46 44 52 46 49 32 67 85 86 85
Total Liabilities & Shareholders' Equity		 1,668 1,732 1,813 1,843 1,813 1,957 2,032 2,030 2,059 2,086 2,209
Total Liabilities		 1,484 1,544 1,618 1,647 1,602 1,739 448 1,844 1,857 1,876 1,978
Non-Interest Bearing Deposits		 191 205 238 237 249 375 448 494 429 416 426
Interest Bearing Deposits		 973 990 1,028 1,056 1,065 1,191 - 1,250 1,295 1,331 1,393
Federal Funds Purchased and Securities Sold		 - - - - - 69 - 58 47 54 68
Long-Term Debt		 310 338 345 340 276 90 - 29 69 59 75
Other Long-Term Liabilities		 - - - - - - - - 17 16 16
Total Equity & Noncontrolling Interests		 184 188 195 196 210 219 207 186 202 210 231
Total Preferred & Common Equity		 184 188 195 196 210 219 211 186 202 210 231
Total Common Equity		 184 188 195 196 210 219 207 186 202 210 231
Common Stock		 139 140 140 140 141 142 129 129 127 126 123
Retained Earnings		 40 46 52 57 62 64 76 90 97 103 114
Accumulated Other Comprehensive Income / (Loss)		 0.22 -2.78 -2.60 -7.69 1.97 7.70 1.86 -37 -26 -21 -8.02
Other Equity Adjustments		 4.59 5.04 5.50 5.43 5.04 4.18 - 5.01 3.69 2.38 2.37

Quarterly Balance Sheets for Isabella Bank

This table presents Isabella Bank's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 2,118 2,058 2,060 2,107 2,103 2,156 2,260 2,252
Cash and Due from Banks		 49 23 23 27 29 34 32 24
Interest Bearing Deposits at Other Banks		 67 2.23 0.87 0.36 40 74 129 26
Trading Account Securities		 533 533 506 507 513 501 512 493
Loans and Leases, Net of Allowance		 1,322 1,352 1,369 1,412 1,355 1,385 1,419 1,545
Loans and Leases		 1,335 1,366 1,382 1,424 1,368 1,398 1,432 1,559
Allowance for Loan and Lease Losses		 13 13 13 13 13 13 13 14
Loans Held for Sale		 0.11 0.37 0.64 0.50 0.13 0.06 0.74 0.36
Premises and Equipment, Net		 27 28 28 28 28 28 29 29
Intangible Assets		 48 48 48 48 48 48 48 48
Other Assets		 73 70 73 85 89 86 90 86
Total Liabilities & Shareholders' Equity		 2,118 2,058 2,060 2,107 2,103 2,156 2,260 2,252
Total Liabilities		 1,933 1,857 1,858 1,894 1,887 1,936 2,032 2,018
Non-Interest Bearing Deposits		 445 413 412 421 404 493 421 411
Interest Bearing Deposits		 1,324 1,355 1,310 1,360 1,394 1,356 1,505 1,449
Federal Funds Purchased and Securities Sold		 52 43 44 52 47 43 62 114
Long-Term Debt		 94 29 74 44 29 29 29 30
Other Long-Term Liabilities		 - - 17 15 12 14 15 15
Total Equity & Noncontrolling Interests		 185 201 202 213 216 221 227 234
Total Preferred & Common Equity		 185 201 202 213 216 221 227 234
Total Common Equity		 185 201 202 213 216 221 227 234
Common Stock		 128 127 126 125 126 125 124 123
Retained Earnings		 96 98 100 101 105 108 111 117
Accumulated Other Comprehensive Income / (Loss)		 -42 -28 -28 -17 -17 -14 -10 -8.60
Other Equity Adjustments		 3.64 3.89 3.95 3.98 2.51 2.33 2.37 2.52

Annual Metrics And Ratios for Isabella Bank

This table displays calculated financial ratios and metrics derived from Isabella Bank's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 7,795,149.00 7,831,272.00 7,853,629.00 7,848,174.00 7,939,808.00 8,010,711.00 7,654,317.00 7,567,023.00 7,493,698.00 7,435,398.00 7,335,096.00
DEI Adjusted Shares Outstanding		 7,795,149.00 7,831,272.00 7,853,629.00 7,848,174.00 7,939,808.00 8,010,711.00 7,654,317.00 7,567,023.00 7,493,698.00 7,435,398.00 7,335,096.00
DEI Earnings Per Adjusted Shares Outstanding		 1.94 1.76 1.69 1.79 1.64 1.36 2.55 2.94 2.42 1.87 2.58
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 2.37% 4.28% 5.29% 4.33% -2.92% 12.67% 2.71% 11.46% -3.20% -1.89% 11.50%
EBITDA Growth		 13.31% -5.94% -2.30% -5.73% -5.05% -12.26% 67.21% 8.26% -18.26% -21.63% 37.40%
EBIT Growth		 14.63% -12.33% 0.66% -5.35% -6.37% -17.58% 96.66% 14.98% -18.67% -24.89% 47.11%
NOPAT Growth		 10.24% -8.80% -4.07% 5.92% -7.11% -16.42% 79.14% 14.05% -18.31% -23.55% 36.15%
Net Income Growth		 10.24% -8.80% -4.07% 5.92% -7.11% -16.42% 79.14% 14.05% -18.31% -23.55% 36.15%
EPS Growth		 9.20% -8.95% -4.62% 5.45% -7.47% -16.77% 82.84% 18.78% -17.53% -22.50% 37.63%
Operating Cash Flow Growth		 -31.16% 67.41% -2.83% 11.67% 6.10% -5.60% 15.93% 5.43% -10.06% -18.80% 36.56%
Free Cash Flow Firm Growth		 -34.07% -26.78% 94.73% 1,987.30% 248.39% 200.79% -766.24% 210.74% -102.74% 141.78% -208.63%
Invested Capital Growth		 6.33% 6.46% 2.70% -0.73% -9.26% -36.53% 413.24% -86.40% 26.12% -0.75% 13.43%
Revenue Q/Q Growth		 4.27% 2.23% 0.46% 1.45% -5.91% 8.08% 0.94% 3.43% -3.26% 2.03% 3.49%
EBITDA Q/Q Growth		 -0.12% 2.21% -3.56% 1.62% -14.29% -15.58% 40.47% 4.67% -11.53% 1.47% 7.43%
EBIT Q/Q Growth		 -1.39% 2.81% -4.23% 3.01% -18.40% -21.17% 54.49% 7.51% -12.61% 1.81% 9.02%
NOPAT Q/Q Growth		 -0.98% 3.65% -7.42% 6.12% -16.81% -12.96% 39.46% 7.38% -12.18% 1.41% 3.81%
Net Income Q/Q Growth		 -0.98% 3.65% -7.42% 6.12% -16.81% -12.96% 39.46% 7.38% -12.18% 1.41% 3.81%
EPS Q/Q Growth		 -1.55% 3.59% -7.30% 6.10% -17.01% -13.55% 42.44% 7.38% -11.76% 1.64% 4.07%
Operating Cash Flow Q/Q Growth		 -4.07% -1.62% 6.87% 8.78% -6.02% 28.22% -20.86% 8.56% -4.36% 9.59% 19.65%
Free Cash Flow Firm Q/Q Growth		 -406.93% 32.17% 96.67% -36.65% -15.56% 355.55% -865.23% 1,006.71% 27.97% -55.44% -192.56%
Invested Capital Q/Q Growth		 2.72% 0.96% -4.21% -2.28% -0.73% -33.05% 409.63% 4.67% -2.75% 4.78% 19.07%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 45.80% 41.31% 38.33% 34.64% 33.88% 26.38% 42.95% 41.72% 35.23% 28.14% 34.68%
EBIT Margin		 35.63% 29.95% 28.64% 25.98% 25.06% 18.33% 35.10% 36.20% 30.42% 23.29% 30.73%
Profit (Net Income) Margin		 29.27% 25.60% 23.32% 23.68% 22.66% 16.81% 29.31% 29.99% 25.31% 19.73% 24.09%
Tax Burden Percent		 82.15% 85.46% 81.44% 91.14% 90.42% 91.69% 83.52% 82.84% 83.21% 84.70% 78.39%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 17.85% 14.54% 18.56% 8.86% 9.58% 8.31% 16.48% 17.16% 16.79% 15.30% 21.61%
Return on Invested Capital (ROIC)		 3.16% 2.71% 2.48% 2.61% 2.55% 2.74% 2.06% 2.47% 7.46% 5.13% 6.57%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.16% 2.71% 2.48% 2.61% 2.55% 2.74% 2.06% 2.47% 7.46% 5.13% 6.57%
Return on Net Nonoperating Assets (RNNOA)		 5.28% 4.71% 4.43% 4.58% 3.87% 2.34% 7.11% 8.85% 1.89% 1.60% 1.99%
Return on Equity (ROE)		 8.44% 7.42% 6.92% 7.18% 6.42% 5.08% 9.17% 11.33% 9.35% 6.73% 8.56%
Cash Return on Invested Capital (CROIC)		 -2.98% -3.55% -0.18% 3.34% 12.26% 47.43% -132.71% 154.57% -15.65% 5.88% -6.01%
Operating Return on Assets (OROA)		 1.14% 0.95% 0.92% 0.84% 0.79% 0.63% 1.17% 1.32% 1.07% 0.79% 1.12%
Return on Assets (ROA)		 0.94% 0.81% 0.75% 0.77% 0.71% 0.58% 0.98% 1.09% 0.89% 0.67% 0.88%
Return on Common Equity (ROCE)		 8.44% 7.42% 6.92% 7.18% 6.42% 5.08% 9.17% 11.33% 9.35% 6.73% 8.56%
Return on Equity Simple (ROE_SIMPLE)		 8.22% 7.34% 6.79% 7.17% 6.20% 4.98% 9.24% 11.94% 8.98% 6.61% 8.17%
Net Operating Profit after Tax (NOPAT)		 15 14 13 14 13 11 19 22 18 14 19
NOPAT Margin		 29.27% 25.60% 23.32% 23.68% 22.66% 16.81% 29.31% 29.99% 25.31% 19.73% 24.09%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 51.48% 51.33% 52.97% 53.92% 56.52% 51.13% 49.41% 49.31% 53.33% 57.96% 54.22%
Operating Expenses to Revenue		 69.73% 70.30% 70.92% 72.37% 74.89% 79.10% 65.68% 63.14% 68.70% 74.04% 69.99%
Earnings before Interest and Taxes (EBIT)		 18 16 16 15 14 12 23 27 22 16 24
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 24 22 22 21 19 17 29 31 25 20 27
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.89 0.85 0.86 0.72 0.76 0.63 0.85 0.86 0.62 0.74 1.57
Price to Tangible Book Value (P/TBV)		 1.21 1.14 1.15 0.95 0.98 0.80 1.11 1.16 0.82 0.95 1.99
Price to Revenue (P/Rev)		 3.18 2.95 2.96 2.37 2.76 2.11 2.65 2.15 1.76 2.20 4.64
Price to Earnings (P/E)		 10.85 11.54 12.70 9.99 12.19 12.56 9.04 7.17 6.94 11.14 19.26
Dividend Yield		 3.32% 2.45% 2.38% 4.38% 5.24% 4.72% 3.46% 5.17% 0.00% 0.00% 1.69%
Earnings Yield		 9.22% 8.67% 7.88% 10.01% 8.20% 7.96% 11.06% 13.95% 14.40% 8.98% 5.19%
Enterprise Value to Invested Capital (EV/IC)		 0.92 0.90 0.89 0.76 0.77 0.00 0.11 0.70 0.60 0.70 1.35
Enterprise Value to Revenue (EV/Rev)		 8.75 8.79 8.49 6.87 6.51 0.00 2.65 2.02 2.25 2.69 5.26
Enterprise Value to EBITDA (EV/EBITDA)		 19.10 21.28 22.16 19.84 19.22 0.00 6.17 4.84 6.40 9.57 15.16
Enterprise Value to EBIT (EV/EBIT)		 24.56 29.35 29.66 26.45 25.98 0.00 7.55 5.58 7.41 11.56 17.11
Enterprise Value to NOPAT (EV/NOPAT)		 29.89 34.35 36.42 29.02 28.73 0.00 9.04 6.74 8.91 13.65 21.82
Enterprise Value to Operating Cash Flow (EV/OCF)		 37.41 23.42 24.51 18.53 16.06 0.00 6.92 5.57 6.69 9.65 15.39
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 22.62 5.97 0.00 0.00 0.11 0.00 11.90 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.68 1.80 1.77 1.74 1.31 0.41 0.00 0.16 0.34 0.28 0.32
Long-Term Debt to Equity		 1.68 1.80 1.77 1.74 1.31 0.41 0.00 0.16 0.34 0.28 0.32
Financial Leverage		 1.67 1.74 1.78 1.76 1.52 0.85 3.45 3.58 0.25 0.31 0.30
Leverage Ratio		 8.97 9.14 9.26 9.36 9.01 8.79 9.39 10.34 10.52 10.04 9.73
Compound Leverage Factor		 8.97 9.14 9.26 9.36 9.01 8.79 9.39 10.34 10.52 10.04 9.73
Debt to Total Capital		 62.74% 64.25% 63.89% 63.51% 56.77% 29.17% 0.00% 13.57% 25.52% 22.03% 24.36%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 62.74% 64.25% 63.89% 63.51% 56.77% 29.17% 0.00% 13.57% 25.52% 22.03% 24.36%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 37.26% 35.75% 36.11% 36.49% 43.23% 70.83% 100.00% 86.43% 74.48% 77.97% 75.64%
Debt to EBITDA		 13.08 15.16 15.85 16.59 14.17 5.27 0.00 0.95 2.74 3.00 2.74
Net Debt to EBITDA		 12.17 14.14 14.43 13.01 11.06 -9.17 0.00 -0.31 1.41 1.76 1.78
Long-Term Debt to EBITDA		 13.08 15.16 15.85 16.59 14.17 5.27 0.00 0.95 2.74 3.00 2.74
Debt to NOPAT		 20.47 24.47 26.05 24.27 21.19 8.27 0.00 1.32 3.82 4.28 3.94
Net Debt to NOPAT		 19.05 22.81 23.72 19.03 16.54 -14.39 0.00 -0.44 1.96 2.51 2.56
Long-Term Debt to NOPAT		 20.47 24.47 26.05 24.27 21.19 8.27 0.00 1.32 3.82 4.28 3.94
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -14 -18 -0.95 18 63 188 -1,256 1,391 -38 16 -17
Operating Cash Flow to CapEx		 235.81% 532.07% 965.06% 952.84% 1,745.54% 1,449.08% 1,600.82% 838.88% 595.03% 932.43% 770.82%
Free Cash Flow to Firm to Interest Expense		 -1.40 -1.67 -0.08 1.15 3.51 13.63 -169.42 261.54 -1.76 0.47 -0.52
Operating Cash Flow to Interest Expense		 1.19 1.86 1.57 1.41 1.30 1.59 3.44 5.06 1.12 0.58 0.80
Operating Cash Flow Less CapEx to Interest Expense		 0.69 1.51 1.41 1.26 1.23 1.48 3.23 4.45 0.93 0.51 0.70
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.04 0.04 0.03 0.04
Fixed Asset Turnover		 1.91 1.87 1.97 2.10 2.13 2.52 2.68 2.97 2.70 2.55 2.77
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 494 526 540 536 486 309 1,584 215 272 270 306
Invested Capital Turnover		 0.11 0.11 0.11 0.11 0.11 0.16 0.07 0.08 0.29 0.26 0.27
Increase / (Decrease) in Invested Capital		 29 32 14 -3.97 -50 -178 1,275 -1,368 56 -2.04 36
Enterprise Value (EV)		 452 474 482 407 374 -20 176 150 162 190 413
Market Capitalization		 164 159 168 140 159 137 176 159 126 155 364
Book Value per Share		 $23.60 $23.99 $24.82 $24.91 $26.47 $27.29 $26.98 $24.61 $27.01 $28.28 $31.55
Tangible Book Value per Share		 $17.34 $17.78 $18.64 $18.74 $20.38 $21.25 $20.67 $18.23 $20.57 $21.79 $24.96
Total Capital		 494 526 540 536 486 309 207 215 272 270 306
Total Debt		 310 338 345 340 276 90 0.00 29 69 59 75
Total Long-Term Debt		 310 338 345 340 276 90 0.00 29 69 59 75
Net Debt		 288 315 314 267 215 -157 0.00 -9.68 36 35 48
Capital Expenditures (CapEx)		 5.13 3.80 2.04 2.31 1.34 1.52 1.59 3.21 4.06 2.11 3.48
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 310 338 345 340 276 90 1,377 29 69 59 75
Total Depreciation and Amortization (D&A)		 5.26 6.12 5.51 5.13 5.07 5.22 5.23 4.09 3.45 3.42 3.11
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.95 $1.77 $1.69 $1.78 $1.65 $1.37 $2.48 $2.95 $2.42 $1.86 $2.56
Adjusted Weighted Average Basic Shares Outstanding		 7.80M 7.83M 7.86M 7.87M 7.92M 7.96M 7.53M 7.56M 7.50M 7.41M 7.33M
Adjusted Diluted Earnings per Share		 $1.90 $1.73 $1.65 $1.74 $1.61 $1.34 $2.45 $2.91 $2.40 $1.86 $2.56
Adjusted Weighted Average Diluted Shares Outstanding		 7.80M 7.83M 7.86M 7.87M 7.92M 7.96M 7.53M 7.56M 7.50M 7.41M 7.33M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 7.80M 7.83M 7.86M 7.87M 7.92M 7.96M 7.53M 7.56M 7.50M 7.41M 7.33M
Normalized Net Operating Profit after Tax (NOPAT)		 15 14 13 14 13 18 19 22 18 14 19
Normalized NOPAT Margin		 29.27% 25.60% 23.32% 23.68% 22.66% 27.62% 29.31% 29.99% 25.31% 19.73% 24.09%
Pre Tax Income Margin		 35.63% 29.95% 28.64% 25.98% 25.06% 18.33% 35.10% 36.20% 30.42% 23.29% 30.73%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.81 1.49 1.30 0.98 0.81 0.86 3.15 5.05 1.01 0.48 0.72
NOPAT to Interest Expense		 1.49 1.27 1.06 0.90 0.73 0.79 2.63 4.18 0.84 0.41 0.56
EBIT Less CapEx to Interest Expense		 1.31 1.14 1.14 0.84 0.73 0.75 2.94 4.45 0.82 0.42 0.62
NOPAT Less CapEx to Interest Expense		 0.98 0.92 0.90 0.75 0.65 0.68 2.42 3.58 0.65 0.35 0.46
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 48.07% 55.40% 60.36% 58.26% 63.59% 78.31% 42.91% 36.34% 45.22% 58.66% 42.76%
Augmented Payout Ratio		 78.41% 87.58% 99.50% 108.24% 94.33% 103.13% 113.47% 41.40% 64.02% 80.81% 67.66%

Quarterly Metrics And Ratios for Isabella Bank

This table displays calculated financial ratios and metrics derived from Isabella Bank's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 7,497,293.00 7,493,698.00 7,502,990.00 7,474,799.00 7,445,214.00 7,435,398.00 7,414,594.00 7,382,358.00 7,359,911.00 7,335,096.00 7,330,036.00
DEI Adjusted Shares Outstanding		 7,497,293.00 7,493,698.00 7,502,990.00 7,474,799.00 7,445,214.00 7,435,398.00 7,414,594.00 7,382,358.00 7,359,911.00 7,335,096.00 7,330,036.00
DEI Earnings Per Adjusted Shares Outstanding		 0.59 0.51 0.42 0.47 0.44 0.54 0.53 0.68 0.71 0.64 0.68
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -7.03% -12.36% -10.37% -6.15% 1.69% 8.17% 8.04% 9.66% 13.62% 14.28% 17.67%
EBITDA Growth		 -23.75% -36.53% -38.46% -22.37% -24.40% 5.35% 26.71% 40.21% 49.73% 33.23% 17.96%
EBIT Growth		 -24.86% -41.02% -43.14% -26.23% -28.19% 6.45% 33.47% 50.72% 63.35% 41.40% 22.96%
NOPAT Growth		 -25.04% -39.85% -41.16% -24.82% -25.65% 5.07% 26.13% 44.53% 59.71% 17.37% 26.41%
Net Income Growth		 -25.04% -39.85% -41.16% -24.82% -25.65% 5.07% 26.13% 44.53% 59.71% 17.37% 26.41%
EPS Growth		 -24.68% -38.55% -40.00% -24.59% -24.14% 5.88% 26.19% 47.83% 61.36% 18.52% 28.30%
Operating Cash Flow Growth		 -32.09% -16.29% -54.60% -25.04% -7.40% 31.79% 35.22% 41.86% -22.66% 61.83% -18.68%
Free Cash Flow Firm Growth		 -162.43% -103.82% 201.05% 98.88% 136.61% 111.50% -100.85% 7,521.78% -77.44% -622.46% -22.50%
Invested Capital Growth		 35.76% 26.12% -84.89% 1.43% -7.89% -0.75% 6.51% -9.64% -0.18% 13.43% 7.55%
Revenue Q/Q Growth		 -3.10% -3.32% -2.44% 2.68% 5.00% 2.84% -2.56% 4.22% 8.80% 3.43% 0.34%
EBITDA Q/Q Growth		 -2.59% -13.42% -16.32% 10.00% -5.13% 20.65% 0.64% 21.73% 1.31% 7.35% -10.90%
EBIT Q/Q Growth		 -3.57% -15.35% -19.58% 12.38% -6.13% 25.48% 0.83% 26.91% 1.73% 8.62% -12.32%
NOPAT Q/Q Growth		 -4.69% -13.82% -17.67% 11.18% -5.75% 21.79% -1.18% 27.40% 4.15% -10.50% 6.44%
Net Income Q/Q Growth		 -4.69% -13.82% -17.67% 11.18% -5.75% 21.79% -1.18% 27.40% 4.15% -10.50% 6.44%
EPS Q/Q Growth		 -4.92% -12.07% -17.65% 9.52% -4.35% 22.73% -1.85% 28.30% 4.41% -9.86% 6.25%
Operating Cash Flow Q/Q Growth		 -47.97% 40.90% -36.43% 60.83% -35.72% 100.53% -34.77% 66.65% -64.96% 319.62% -67.22%
Free Cash Flow Firm Q/Q Growth		 -81.07% 24.15% 2,568.10% -100.03% 6,031.85% -76.18% -282.71% 387.50% -81.97% -651.53% 57.16%
Invested Capital Q/Q Growth		 2.46% -2.75% -15.35% 20.26% -6.96% 4.78% -9.16% 2.03% 2.78% 19.07% -13.86%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 35.07% 31.40% 26.94% 28.86% 26.07% 30.59% 31.59% 36.90% 34.36% 35.66% 31.67%
EBIT Margin		 30.20% 26.44% 21.80% 23.85% 21.33% 26.02% 26.93% 32.79% 30.66% 32.20% 28.14%
Profit (Net Income) Margin		 24.91% 22.20% 18.74% 20.29% 18.21% 21.57% 21.87% 26.74% 25.60% 22.15% 23.50%
Tax Burden Percent		 82.49% 83.97% 85.97% 85.05% 85.40% 82.89% 81.24% 81.55% 83.49% 68.80% 83.52%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 17.51% 16.03% 14.03% 14.95% 14.60% 17.11% 18.76% 18.45% 16.51% 31.20% 16.48%
Return on Invested Capital (ROIC)		 7.62% 6.54% 1.49% 5.08% 4.68% 5.61% 6.61% 7.46% 7.55% 6.04% 7.55%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.62% 6.54% 1.49% 5.08% 4.68% 5.61% 6.61% 7.46% 7.55% 6.04% 7.55%
Return on Net Nonoperating Assets (RNNOA)		 2.60% 1.66% 5.24% 2.06% 1.63% 1.75% 0.93% 1.83% 1.27% 1.83% 0.99%
Return on Equity (ROE)		 10.22% 8.20% 6.73% 7.14% 6.31% 7.36% 7.54% 9.29% 8.82% 7.88% 8.54%
Cash Return on Invested Capital (CROIC)		 -21.81% -15.65% 149.31% 3.98% 13.32% 5.88% -0.11% 16.30% 7.27% -6.01% 0.57%
Operating Return on Assets (OROA)		 1.07% 0.93% 0.73% 0.80% 0.70% 0.88% 0.93% 1.14% 1.07% 1.18% 1.06%
Return on Assets (ROA)		 0.88% 0.78% 0.63% 0.68% 0.59% 0.73% 0.75% 0.93% 0.89% 0.81% 0.88%
Return on Common Equity (ROCE)		 10.23% 8.20% 6.73% 7.14% 6.32% 7.36% 7.54% 9.29% 8.82% 7.88% 8.54%
Return on Equity Simple (ROE_SIMPLE)		 11.17% 0.00% 7.96% 7.33% 6.43% 0.00% 6.82% 7.37% 8.01% 0.00% 8.53%
Net Operating Profit after Tax (NOPAT)		 4.41 3.80 3.13 3.48 3.28 4.00 3.95 5.03 5.24 4.69 4.99
NOPAT Margin		 24.91% 22.20% 18.74% 20.29% 18.21% 21.57% 21.87% 26.74% 25.60% 22.15% 23.50%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 51.78% 50.62% 60.72% 58.36% 57.17% 55.88% 57.84% 56.42% 52.62% 50.74% 53.07%
Operating Expenses to Revenue		 71.45% 69.56% 75.86% 75.15% 73.42% 71.95% 73.67% 73.05% 68.32% 65.75% 69.02%
Earnings before Interest and Taxes (EBIT)		 5.35 4.53 3.64 4.09 3.84 4.82 4.86 6.17 6.28 6.82 5.98
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 6.21 5.38 4.50 4.95 4.70 5.67 5.70 6.94 7.03 7.55 6.73
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.80 0.62 0.69 0.78 0.74 0.74 0.71 1.01 1.14 1.57 1.43
Price to Tangible Book Value (P/TBV)		 1.09 0.82 0.90 1.03 0.95 0.95 0.92 1.29 1.44 1.99 1.80
Price to Revenue (P/Rev)		 2.01 1.76 1.97 2.30 2.27 2.20 2.15 3.02 3.41 4.64 4.10
Price to Earnings (P/E)		 7.20 6.94 8.61 10.68 11.46 11.14 10.47 13.65 14.19 19.26 16.78
Dividend Yield		 5.64% 0.00% 6.09% 0.00% 0.00% 0.00% 0.00% 0.93% 1.59% 1.69% 2.45%
Earnings Yield		 13.89% 14.40% 11.61% 9.36% 8.73% 8.98% 9.55% 7.33% 7.05% 5.19% 5.96%
Enterprise Value to Invested Capital (EV/IC)		 0.46 0.60 0.62 0.76 0.68 0.70 0.47 0.57 0.49 1.35 1.19
Enterprise Value to Revenue (EV/Rev)		 1.72 2.25 2.03 3.04 2.52 2.69 1.59 1.95 1.67 5.26 3.85
Enterprise Value to EBITDA (EV/EBITDA)		 4.45 6.40 6.31 9.94 8.91 9.57 5.44 6.21 5.00 15.16 11.13
Enterprise Value to EBIT (EV/EBIT)		 5.10 7.41 7.43 11.88 10.80 11.56 6.49 7.25 5.73 17.11 12.45
Enterprise Value to NOPAT (EV/NOPAT)		 6.15 8.91 8.87 14.11 12.70 13.65 7.77 8.78 6.96 21.82 15.75
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.04 6.69 7.07 11.49 9.71 9.65 5.48 6.15 5.66 15.39 12.11
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.11 19.16 4.87 11.90 0.00 3.33 6.78 0.00 215.58
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.51 0.34 0.15 0.37 0.21 0.28 0.14 0.13 0.13 0.32 0.13
Long-Term Debt to Equity		 0.51 0.34 0.15 0.37 0.21 0.28 0.14 0.13 0.13 0.32 0.13
Financial Leverage		 0.34 0.25 3.51 0.41 0.35 0.31 0.14 0.25 0.17 0.30 0.13
Leverage Ratio		 11.56 10.52 10.66 10.50 10.61 10.04 9.99 9.97 9.91 9.73 9.69
Compound Leverage Factor		 11.56 10.52 10.66 10.50 10.61 10.04 9.99 9.97 9.91 9.73 9.69
Debt to Total Capital		 33.75% 25.52% 12.76% 26.89% 17.25% 22.03% 12.02% 11.79% 11.48% 24.36% 11.21%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 33.75% 25.52% 12.76% 26.89% 17.25% 22.03% 12.02% 11.79% 11.48% 24.36% 11.21%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 66.30% 74.48% 87.24% 73.11% 82.75% 77.97% 87.98% 88.21% 88.52% 75.64% 88.79%
Debt to EBITDA		 3.30 2.74 1.31 3.53 2.27 3.00 1.40 1.28 1.16 2.74 1.05
Net Debt to EBITDA		 -0.75 1.41 0.18 2.42 0.87 1.76 -1.89 -3.44 -5.20 1.78 -0.73
Long-Term Debt to EBITDA		 3.30 2.74 1.31 3.53 2.27 3.00 1.40 1.28 1.16 2.74 1.05
Debt to NOPAT		 4.56 3.82 1.84 5.02 3.24 4.28 2.00 1.81 1.62 3.94 1.48
Net Debt to NOPAT		 -1.04 1.96 0.26 3.43 1.24 2.51 -2.70 -4.86 -7.24 2.56 -1.03
Long-Term Debt to NOPAT		 4.56 3.82 1.84 5.02 3.24 4.28 2.00 1.81 1.62 3.94 1.48
Noncontrolling Interest Sharing Ratio		 -0.08% 0.00% 0.00% -0.05% -0.03% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -69 -52 1,295 -0.43 25 6.03 -11 32 5.72 -32 -14
Operating Cash Flow to CapEx		 360.19% 460.00% 420.05% 1,344.53% 983.93% 1,380.43% 472.15% 1,306.50% 270.11% 1,312.87% 704.85%
Free Cash Flow to Firm to Interest Expense		 -11.19 -7.05 159.16 -0.05 2.86 0.70 -1.36 3.91 0.66 -3.69 -1.64
Operating Cash Flow to Interest Expense		 0.62 0.73 0.42 0.65 0.40 0.83 0.57 0.97 0.32 1.35 0.46
Operating Cash Flow Less CapEx to Interest Expense		 0.45 0.57 0.32 0.60 0.36 0.77 0.45 0.89 0.20 1.25 0.39
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.04 0.04
Fixed Asset Turnover		 2.85 2.70 2.57 2.53 2.53 2.55 2.56 2.62 2.69 2.77 2.86
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 279 272 230 277 257 270 245 250 257 306 263
Invested Capital Turnover		 0.31 0.29 0.08 0.25 0.26 0.26 0.30 0.28 0.30 0.27 0.32
Increase / (Decrease) in Invested Capital		 74 56 -1,292 3.91 -22 -2.04 15 -27 -0.48 36 18
Enterprise Value (EV)		 127 162 142 209 174 190 114 143 127 413 314
Market Capitalization		 149 126 138 158 157 155 154 222 259 364 335
Book Value per Share		 $24.71 $27.01 $26.75 $27.06 $28.61 $28.28 $29.07 $29.87 $30.90 $31.55 $31.92
Tangible Book Value per Share		 $18.27 $20.57 $20.31 $20.60 $22.12 $21.79 $22.56 $23.33 $24.34 $24.96 $25.33
Total Capital		 279 272 230 277 257 270 245 250 257 306 263
Total Debt		 94 69 29 74 44 59 29 29 29 75 30
Total Long-Term Debt		 94 69 29 74 44 59 29 29 29 75 30
Net Debt		 -22 36 4.14 51 17 35 -40 -79 -132 48 -21
Capital Expenditures (CapEx)		 1.07 1.18 0.82 0.41 0.36 0.52 0.98 0.60 1.02 0.88 0.54
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 94 69 29 74 44 59 29 29 29 75 30
Total Depreciation and Amortization (D&A)		 0.86 0.85 0.86 0.86 0.86 0.85 0.84 0.77 0.76 0.73 0.75
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.59 $0.51 $0.42 $0.47 $0.44 $0.53 $0.53 $0.68 $0.71 $0.64 $0.68
Adjusted Weighted Average Basic Shares Outstanding		 7.49M 7.50M 7.47M 7.45M 7.44M 7.41M 7.38M 7.36M 7.34M 7.33M 7.33M
Adjusted Diluted Earnings per Share		 $0.58 $0.51 $0.42 $0.46 $0.44 $0.54 $0.53 $0.68 $0.71 $0.64 $0.68
Adjusted Weighted Average Diluted Shares Outstanding		 7.49M 7.50M 7.47M 7.45M 7.44M 7.41M 7.38M 7.36M 7.34M 7.33M 7.33M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 7.49M 7.50M 7.47M 7.45M 7.44M 7.41M 7.38M 7.36M 7.34M 7.33M 7.33M
Normalized Net Operating Profit after Tax (NOPAT)		 4.41 3.80 3.13 3.48 3.28 4.00 3.95 5.03 5.24 4.69 4.99
Normalized NOPAT Margin		 24.91% 22.20% 18.74% 20.29% 18.21% 21.57% 21.87% 26.74% 25.60% 22.15% 23.50%
Pre Tax Income Margin		 30.20% 26.44% 21.80% 23.85% 21.33% 26.02% 26.93% 32.79% 30.66% 32.20% 28.14%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.87 0.61 0.45 0.48 0.43 0.56 0.60 0.76 0.72 0.80 0.72
NOPAT to Interest Expense		 0.71 0.51 0.38 0.41 0.37 0.46 0.49 0.62 0.60 0.55 0.61
EBIT Less CapEx to Interest Expense		 0.69 0.45 0.35 0.43 0.39 0.50 0.48 0.69 0.60 0.69 0.66
NOPAT Less CapEx to Interest Expense		 0.54 0.35 0.28 0.36 0.33 0.40 0.37 0.55 0.48 0.45 0.54
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 39.80% 45.22% 51.61% 55.27% 59.61% 58.66% 54.97% 49.92% 44.52% 42.76% 40.61%
Augmented Payout Ratio		 56.45% 64.02% 71.75% 71.51% 80.99% 80.81% 78.64% 76.52% 66.01% 67.66% 60.49%

Financials Breakdown Chart

Key Financial Trends

Isabella Bank’s first quarter of 2026 showed solid profitability and a stronger balance sheet, but the quarter also came with a few areas investors should watch closely. Net income rose to $5.0 million, up from $4.7 million in Q4 2025 and $3.9 million in Q1 2025. The bank also generated positive operating cash flow and ended the quarter with higher cash and stronger equity than a year ago.

  • Net income improved year over year. Q1 2026 net income of $5.0 million was up from $3.9 million in Q1 2025, showing continued earnings growth.
  • Revenue held up well. Total revenue in Q1 2026 was $21.2 million, slightly above $21.2 million in Q4 2025 and well above $18.1 million in Q1 2025.
  • Non-interest income increased meaningfully. It reached $4.36 million, up from $3.53 million in Q1 2025, helped by stronger trust fees and service charges.
  • Operating cash flow remained positive. The bank generated $3.8 million in operating cash flow, compared with $4.6 million a year earlier, which still supports internal capital generation.
  • Balance sheet equity increased. Total common equity rose to $234.0 million from $215.6 million in Q1 2025, reflecting retained earnings growth and overall capital strength.
  • Cash and cash equivalents improved year over year. Cash and due from banks were $23.9 million, up from $28.8 million last year, while total cash and short-term bank balances remained healthy.
  • Loan balances expanded. Net loans and leases rose to $1.54 billion from $1.35 billion in Q1 2025, suggesting continued balance sheet growth.
  • Net interest income was slightly lower than the prior quarter. Q1 2026 net interest income of $16.9 million was a bit above Q1 2025 but below Q4 2025, indicating some pressure on spread income.
  • Deposit costs remain elevated. Interest expense on deposits was $7.1 million, still a significant drag on margin despite some quarter-to-quarter improvement.
  • The bank continued to actively manage securities and funding. Investment purchases were large at $71.8 million, offset by $53.9 million of sales/maturities, while debt was reduced by $45.0 million.
  • Non-interest expense stayed high. Total non-interest expense was $14.7 million, up from $13.3 million in Q1 2025, driven by higher salaries, occupancy, and other operating costs.
  • Credit loss provision rose. Provision for credit losses was $604,000, up sharply from a negative provision in Q1 2025, which may signal more cautious credit assumptions.
  • Deposit outflows look less favorable than last quarter. Net change in deposits was a positive $40.2 million in Q1 2026, but that followed a much larger increase in late 2025; deposit trends can be lumpy and deserve monitoring.

Bottom line: Isabella Bank entered 2026 with better earnings than a year ago, solid liquidity, and a stronger equity base. The main watch items are expense growth, rising credit loss provisioning, and whether net interest income can keep up if funding costs remain elevated.

07/13/26 09:13 AM ETAI Generated. May Contain Errors.

Isabella Bank Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Isabella Bank's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Isabella Bank's net income appears to be on an upward trend, with a most recent value of $18.91 million in 2025, rising from $15.13 million in 2015. The previous period was $13.89 million in 2024. See Isabella Bank's forecast for analyst expectations on what's next for the company.

Over the last 10 years, Isabella Bank's total revenue changed from $51.70 million in 2015 to $78.51 million in 2025, a change of 51.9%.

Isabella Bank's total liabilities were at $1.98 billion at the end of 2025, a 5.4% increase from 2024, and a 33.3% increase since 2015.

In the past 10 years, Isabella Bank's cash and equivalents has ranged from $0.00 in 2021 to $31.30 million in 2020, and is currently $22.94 million as of their latest financial filing in 2025.

Over the last 10 years, Isabella Bank's book value per share changed from 23.60 in 2015 to 31.55 in 2025, a change of 33.7%.


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Financial statements for NASDAQ:ISBA last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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