What is Isabella's earnings per share (EPS)?

Isabella (ISBA) reported diluted earnings per share of $2.56 for fiscal year 2025. This represents a 37.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Isabella (ISBA) Financials

ISBA

Trailing 12 months to June 30, 2026

Revenue $85.3M +16.3% YoY

Net Income $20.0M +22.8% YoY

EPS (Diluted) $2.72 +24.2% YoY

Free Cash Flow $23.0M +11.6% YoY

Market Cap $305.5M as of Sep 5, 2026

Price / Sales 3.6x on $85.3M revenue, trailing 12 months to June 30, 2026

Price / Earnings 15.3x on $20.0M net income, trailing 12 months to June 30, 2026

Price / Book 1.2x on $248.7M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 10, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the ISBA SEC filings page.

Isabella (ISBA) reported $85.3M in revenue over the twelve months to Jun 30, 2026, up 16.3% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI ISBA FY2025 2026-09-05

The bank’s dominant mechanic is balance-sheet intermediation: high leverage supports earnings, but asset returns remain modest.

FY2025’s reported cash generation outpaced accounting profit: operating cash flow was $26.8M versus net income of $18.9M, while free cash flow reached $23.3M. With capital expenditures of $3.5M, the cash-flow surplus was not absorbed by reported fixed-asset reinvestment, making funding costs more important to earnings quality than physical expansion.

Leverage remains central: debt-to-equity was 8.5x in FY2025, while return on assets was only 0.9%, meaning the large asset base produces a relatively thin return. Equity rose from $210M to $231M, indicating the latest balance-sheet growth was not funded solely by additional liabilities.

Margin recovery carries a funding-cost signature: net margin recovered to 24.1% as interest expense eased to $33.5M in FY2025. Because selling, general and administrative expense still rose to $30.0M, the improvement points more toward revenue and funding-cost normalization than overhead reduction.

Financial Health Signals

Financial Health Score 51/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Isabella's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Isabella earned a return on assets of 0.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.7% the prior year. Earnings ranks banks on that return over three years, and Isabella scores 44/100 among other banks.

Growth

Isabella reported revenue of $78.5M in fiscal year 2025, against $70.4M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Isabella scores 36/100 among other banks.

Capital

Isabella funded 10.5% of its assets with shareholders' equity at the end of fiscal year 2025, holding $231.4M of equity against $2.2B of assets. Capital ranks banks on that cushion, and Isabella scores 35/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Isabella scores 27/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Isabella scores 89/100 on it among other banks.

Stability

Isabella reported net income of $18.9M in fiscal year 2025, against $13.9M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Isabella scores 75/100 among other banks.

Piotroski F-Score Partial

6/6

Isabella passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.42x

For every $1 of reported earnings, Isabella generates $1.42 in operating cash flow ($26.8M OCF vs $18.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$22.5M

YoY+19.4%

QoQ+5.7%

5Y CAGR+7.0%

10Y CAGR+5.4%

Isabella generated $22.5M in revenue in Q2 2026. This represents an increase of 19.4% from the same quarter a year earlier. Against the prior quarter it is up 5.7%.

Net Income

$5.0M

YoY+0.2%

QoQ+1.0%

5Y CAGR+1.8%

10Y CAGR+4.0%

Isabella reported $5.0M in net income in Q2 2026. This represents an increase of 0.2% from the same quarter a year earlier. Against the prior quarter it is up 1.0%.

EPS (Diluted)

$0.69

YoY+1.5%

QoQ+1.5%

5Y CAGR+3.9%

10Y CAGR+4.8%

Isabella earned $0.69 per diluted share (EPS) in Q2 2026. This represents an increase of 1.5% from the same quarter a year earlier. Against the prior quarter it is up 1.5%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$7.3M

YoY+1.6%

QoQ+125.0%

5Y CAGR-3.3%

10Y CAGR+7.7%

Isabella generated $7.3M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 1.6% from the same quarter a year earlier. Against the prior quarter it is up 125.0%.

Cash & Debt

$41.8M

YoY-61.5%

QoQ-16.6%

5Y CAGR-30.0%

10Y CAGR+4.4%

Isabella held $41.8M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.28

YoY0.0%

QoQ0.0%

5Y CAGR+0.7%

10Y CAGR+1.6%

Isabella paid $0.28 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY+3.7%

QoQ+4.0%

5Y CAGR-0.8%

10Y CAGR-0.3%

Isabella had 8M shares outstanding in Q2 2026. This represents an increase of 3.7% from the same quarter a year earlier. Against the prior quarter it is up 4.0%.

Margins & Returns

Net Margin

22.4%

YoY-4.3pp

QoQ-1.0pp

5Y CAGR-6.4pp

10Y CAGR-3.2pp

Isabella's net profit margin was 22.4% in Q2 2026, showing the share of revenue converted to profit. This is down 4.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.0 percentage points.

Return on Equity

2.0%

YoY-0.3pp

QoQ-0.1pp

5Y CAGR-0.1pp

10Y CAGR+0.3pp

Isabella's ROE was 2.0% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$224K

YoY-85.1%

QoQ-44.3%

Isabella spent $224K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 85.1% from the same quarter a year earlier. Against the prior quarter it is down 44.3%.

Capital Expenditures

$409K

YoY-31.8%

QoQ-23.7%

5Y CAGR+20.5%

10Y CAGR-5.0%

Isabella invested $409K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 31.8% from the same quarter a year earlier. Against the prior quarter it is down 23.7%.

R&D Spending

Not reported for Q2 2026.

ISBA Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

ISBA quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$85.3M	$78.5M+11.5%	$70.4M-1.9%	$71.8M-3.2%	$74.1M+11.5%	$66.5M+2.7%	$64.8M+12.7%	$57.5M-2.9%	$59.2M+4.3%	$56.8M+5.3%	$53.9M+4.3%	$51.7M+2.4%	$50.5M+1.9%	$49.6M-9.1%	$54.5M+9.2%	$49.9M
SG&A Expenses	$31.2M	$30.0M+5.1%	$28.6M+10.3%	$25.9M+4.1%	$24.9M+4.8%	$23.7M-0.1%	$23.8M+2.4%	$23.2M+2.6%	$22.6M+5.0%	$21.5M+12.3%	$19.2M+4.0%	$18.4M-0.4%	$18.5M+3.9%	$17.8M-16.1%	$21.2M+10.0%	$19.3M
Interest Expense	$33.6M	$33.5M-1.9%	$34.1M+57.4%	$21.7M+307.9%	$5.3M-28.3%	$7.4M-46.4%	$13.8M-22.6%	$17.9M+14.3%	$15.6M+25.1%	$12.5M+15.0%	$10.9M+6.9%	$10.2M+1.9%	$10.0M-9.5%	$11.0M-17.9%	$13.4M-17.2%	$16.2M
Income Tax	N/A	$5.2M+107.8%	$2.5M-31.5%	$3.7M-20.4%	$4.6M+19.7%	$3.8M+289.9%	$987K-28.5%	$1.4M+1.2%	$1.4M-54.8%	$3.0M+28.4%	$2.3M-28.6%	$3.3M+40.3%	$2.3M+6.7%	$2.2M-7.1%	$2.4M+74.5%	$1.4M
Net Income	$20.0M	$18.9M+36.2%	$13.9M-23.5%	$18.2M-18.3%	$22.2M+14.0%	$19.5M+79.1%	$10.9M-16.4%	$13.0M-7.1%	$14.0M+5.9%	$13.2M-4.1%	$13.8M-8.8%	$15.1M+10.2%	$13.7M+9.7%	$12.5M+2.5%	$12.2M+19.5%	$10.2M
EPS (Basic)	N/A	$2.56+37.6%	$1.86-23.1%	$2.42-18.0%	$2.95+19.0%	$2.48+81.0%	$1.37-17.0%	$1.65-7.3%	$1.78+5.3%	$1.69-4.5%	$1.77-9.2%	$1.95+10.2%	$1.77+8.6%	$1.63+1.2%	$1.61+19.3%	$1.35
EPS (Diluted)	$2.72	$2.56+37.6%	$1.86-22.5%	$2.40-17.5%	$2.91+18.8%	$2.45+82.8%	$1.34-16.8%	$1.61-7.5%	$1.74+5.5%	$1.65-4.6%	$1.73-8.9%	$1.90+9.2%	$1.74+9.4%	$1.59+1.9%	$1.56+19.1%	$1.31
Diluted Shares (Avg)	N/A	7M-1.3%	7M-1.2%	8M-0.9%	8M-4.0%	8M-1.7%	8M+0.1%	8M+0.3%	8M+0.5%	8M+0.4%	8M+0.6%	8M+0.6%	8M+0.5%	8M+0.8%	8M+0.4%	8M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$22.5M+19.4%	$21.2M+17.7%	$21.2M+14.3%	$20.5M+13.6%	$18.8M+9.7%	$18.1M+8.0%	$18.5M+8.2%	$18.0M+1.7%
SG&A Expenses	$8.1M+8.7%	$7.9M+7.4%	$7.5M+2.6%	$7.6M+5.2%	$7.5M+7.5%	$7.4M+5.2%	$7.3M+20.0%	$7.3M+9.2%
Interest Expense	$8.1M+0.2%	$8.2M+1.7%	$8.6M-0.7%	$8.7M-1.5%	$8.1M-5.0%	$8.1M-0.4%	$8.6M+15.7%	$8.9M+43.2%
Net Income	$5.0M+0.2%	$5.0M+26.4%	$4.7M+17.4%	$5.2M+59.7%	$5.0M+44.5%	$3.9M+26.1%	$4.0M+5.1%	$3.3M-25.7%
EPS (Basic)	$0.69+1.5%	$0.68+28.3%	$0.63+16.7%	$0.71+61.4%	$0.68+44.7%	$0.53+26.2%	$0.54+5.9%	$0.44-25.4%
EPS (Diluted)	$0.69+1.5%	$0.68+28.3%	$0.64+18.5%	$0.71+61.4%	$0.68+47.8%	$0.53+26.2%	$0.54+5.9%	$0.44-24.1%
Diluted Shares (Avg)	7M-0.8%	7M-1.4%	N/A	7M-1.4%	7M-1.3%	7M-1.0%	N/A	7M-1.3%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA, Income Tax.

ISBA Balance Sheet

ISBA quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$2.2B+5.9%	$2.1B+1.3%	$2.1B+1.4%	$2.0B-0.1%	$2.0B+3.8%	$2.0B+8.0%	$1.8B-1.6%	$1.8B+1.6%	$1.8B+4.7%	$1.7B+3.8%	$1.7B+7.7%	$1.5B+3.8%	$1.5B+4.4%	$1.4B+6.9%	$1.3B
Cash & Equivalents	$26.0M+6.1%	$24.5M-27.1%	$33.7M-13.5%	$38.9M-63.0%	$105.3M-57.3%	$246.6M+307.2%	$60.6M-17.6%	$73.5M+138.2%	$30.8M+34.7%	$22.9M+6.1%	$21.6M+8.4%	$19.9M-52.8%	$42.1M+43.4%	$29.4M+2.8%	$28.6M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0-100.0%	$930K-92.0%	$11.7M	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0-100.0%	$580K0.0%	$580K	$0	$0
Goodwill	$48.3M0.0%	$48.3M0.0%	$48.3M0.0%	$48.3M0.0%	$48.3M0.0%	$48.3M0.0%	$48.3M0.0%	$48.3M0.0%	$48.3M0.0%	$48.3M0.0%	$48.3M+5.8%	$45.6M0.0%	$45.6M0.0%	$45.6M0.0%	$45.6M
Total Liabilities	$2.0B+5.4%	$1.9B+1.0%	$1.9B+0.7%	$1.8B+1.3%	$1.8B+4.7%	$1.7B+8.5%	$1.6B-2.7%	$1.6B+1.8%	$1.6B+4.8%	$1.5B+4.1%	$1.5B+7.9%	$1.4B+3.2%	$1.3B+5.2%	$1.3B+7.0%	$1.2B
Total Equity	$231.4M+10.0%	$210.3M+3.9%	$202.4M+8.7%	$186.2M-11.8%	$211.0M-3.4%	$218.6M+4.0%	$210.2M+7.5%	$195.5M+0.3%	$194.9M+3.7%	$187.9M+2.1%	$184.0M+5.4%	$174.6M+8.7%	$160.6M-2.4%	$164.5M+6.3%	$154.8M
Retained Earnings	$113.8M+10.5%	$103.0M+5.9%	$97.3M+8.4%	$89.7M+18.7%	$75.6M+17.3%	$64.5M+3.8%	$62.1M+8.3%	$57.4M+10.9%	$51.7M+12.2%	$46.1M+15.4%	$40.0M+24.5%	$32.1M+27.3%	$25.2M+31.6%	$19.2M+47.0%	$13.0M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$2.2B+2.9%	$2.3B+7.1%	$2.2B+5.9%	$2.3B+7.3%	$2.2B+4.7%	$2.1B+2.2%	$2.1B+1.3%	$2.1B-0.5%
Cash & Equivalents	$41.8M-61.5%	$50.1M-27.6%	$26.0M+6.1%	$161.3M+489.2%	$108.6M+360.8%	$69.2M+174.3%	$24.5M-27.1%	$27.4M-76.4%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	N/A	$48.3M0.0%	N/A	N/A	N/A	$48.3M0.0%	N/A
Total Liabilities	$2.0B+1.8%	$2.0B+6.9%	$2.0B+5.4%	$2.0B+7.3%	$1.9B+4.2%	$1.9B+1.6%	$1.9B+1.0%	$1.9B-2.0%
Total Equity	$248.7M+12.8%	$234.0M+8.5%	$231.4M+10.0%	$227.4M+6.8%	$220.5M+9.0%	$215.6M+7.4%	$210.3M+3.9%	$213.0M+15.1%
Retained Earnings	$119.8M+11.0%	$116.8M+11.3%	$113.8M+10.5%	$111.2M+10.0%	$107.9M+8.2%	$104.9M+6.7%	$103.0M+5.9%	$101.1M+5.8%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

ISBA Cash Flow Statement

ISBA quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$25.9M	$26.8M+36.6%	$19.6M-18.8%	$24.2M-10.1%	$26.9M+5.4%	$25.5M+15.9%	$22.0M-5.6%	$23.3M+6.1%	$22.0M+11.7%	$19.7M-2.8%	$20.2M+67.4%	$12.1M-31.2%	$17.6M-25.6%	$23.6M+21.3%	$19.5M+3.2%	$18.9M
Depreciation & Amortization	N/A	$2.1M+2.5%	$2.1M+5.3%	$2.0M-5.0%	$2.1M-11.0%	$2.3M-12.2%	$2.7M-10.5%	$3.0M-1.8%	$3.0M+0.5%	$3.0M+1.3%	$3.0M+4.8%	$2.8M+4.1%	$2.7M-1.5%	$2.8M+3.7%	$2.7M-5.1%	$2.8M
Stock-Based Compensation	N/A	$341K-28.4%	$476K-39.1%	$782K+28.2%	$610K	N/A	N/A	$523K-14.5%	$612K-4.4%	$640K+11.7%	$573K+4.2%	$550K+11.1%	$495K-10.6%	$554K-13.8%	$643K+4.6%	$615K
Capital Expenditures	$2.8M	$3.5M+65.2%	$2.1M-48.2%	$4.1M+26.8%	$3.2M+101.2%	$1.6M+4.9%	$1.5M+13.7%	$1.3M-42.1%	$2.3M+13.1%	$2.0M-46.4%	$3.8M-25.8%	$5.1M+89.0%	$2.7M+9.0%	$2.5M-30.5%	$3.6M+42.0%	$2.5M
Free Cash Flow	$23.0M	$23.3M+33.1%	$17.5M-12.9%	$20.1M-15.0%	$23.7M-0.9%	$23.9M+16.7%	$20.5M-6.8%	$22.0M+11.8%	$19.7M+11.5%	$17.6M+7.3%	$16.4M+136.0%	$7.0M-53.1%	$14.8M-29.7%	$21.1M+32.9%	$15.9M-2.8%	$16.3M
Investing Cash Flow	-$128.3M	-$115.9M-206.0%	-$37.9M-44.3%	-$26.2M+75.3%	-$106.2M+53.8%	-$229.6M-608.8%	$45.1M+191.6%	$15.5M+137.5%	$6.5M+108.0%	-$81.7M-16.9%	-$69.9M+38.4%	-$113.5M-51.7%	-$74.8M-7.4%	-$69.7M+31.6%	-$101.9M+3.2%	-$105.2M
Financing Cash Flow	$35.6M	$90.6M+895.3%	$9.1M+385.4%	-$3.2M-124.7%	$12.9M-79.4%	$62.8M-47.2%	$118.9M+330.1%	-$51.7M-465.4%	$14.1M-79.8%	$70.0M+37.2%	$51.0M-50.5%	$103.1M+194.2%	$35.0M-40.5%	$58.8M-25.3%	$78.7M-18.7%	$96.8M
Dividends Paid	$8.1M	$8.1M-0.8%	$8.1M-0.8%	$8.2M+1.7%	$8.1M-3.4%	$8.4M-1.8%	$8.5M+2.9%	$8.3M+1.4%	$8.2M+2.2%	$8.0M+4.5%	$7.6M+5.1%	$7.3M+6.3%	$6.8M+6.0%	$6.5M+6.3%	$6.1M+5.3%	$5.8M
Share Buybacks	$2.7M	$4.7M+53.1%	$3.1M-9.9%	$3.4M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$2.4M+19.9%	$2.0M+31.4%	$1.5M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$7.7M-1.0%	$3.8M-18.7%	$11.5M+61.8%	$2.9M-19.3%	$7.8M+40.8%	$4.6M+35.2%	$7.1M+31.8%	$3.6M-7.4%
Depreciation & Amortization	$579K+7.8%	$562K+5.0%	$537K+1.1%	$529K-0.2%	$537K+3.5%	$535K+5.7%	$531K+6.8%	$530K+8.6%
Stock-Based Compensation	N/A	$172K-1.1%	N/A	N/A	N/A	$174K-28.4%	N/A	N/A
Capital Expenditures	$409K-31.8%	$536K-45.5%	$878K+70.2%	$1.0M+181.7%	$600K+46.0%	$984K+20.3%	$516K-56.1%	$361K-66.1%
Free Cash Flow	$7.3M+1.6%	$3.2M-11.5%	$10.6M+61.2%	$1.8M-42.1%	$7.2M+40.4%	$3.7M+39.9%	$6.6M+56.2%	$3.2M+15.2%
Investing Cash Flow	$21.6M+271.8%	-$18.4M-165.4%	-$88.7M-878.9%	-$42.8M-24.0%	-$12.6M-160.4%	$28.2M+384.7%	$11.4M+228.5%	-$34.5M-796.6%
Financing Cash Flow	-$37.6M-185.2%	$38.7M+227.1%	-$58.1M-172.4%	$92.7M+166.4%	$44.2M+1977.5%	$11.8M+691.9%	-$21.3M+72.9%	$34.8M-54.9%
Dividends Paid	$2.0M-1.7%	$2.1M+0.9%	$2.0M-1.2%	$2.0M-0.3%	$2.0M+1.6%	$2.0M-3.0%	$2.0M-0.8%	$2.0M-1.5%
Share Buybacks	$224K-85.1%	$402K-64.9%	$1.4M+120.7%	$609K-40.1%	$1.5M+127.3%	$1.1M+54.7%	$657K+29.1%	$1.0M+104.6%

ISBA Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

ISBA quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	24.1%+4.4pp	19.7%-5.6pp	25.3%-4.7pp	30.0%+0.7pp	29.3%+12.5pp	16.8%-5.8pp	22.7%-1.0pp	23.7%+0.4pp	23.3%-2.3pp	25.6%-3.7pp	29.3%+2.1pp	27.2%+1.9pp	25.2%+2.9pp	22.4%+1.9pp	20.4%
Return on Equity	8.2%+1.6pp	6.6%-2.4pp	9.0%-3.0pp	11.9%+2.7pp	9.2%+4.3pp	5.0%-1.2pp	6.2%-1.0pp	7.2%+0.4pp	6.8%-0.6pp	7.3%-0.9pp	8.2%+0.4pp	7.9%+0.1pp	7.8%+0.4pp	7.4%+0.8pp	6.6%
Return on Assets	0.9%+0.2pp	0.7%-0.2pp	0.9%-0.2pp	1.1%+0.1pp	1.0%+0.4pp	0.6%-0.2pp	0.7%0.0pp	0.8%0.0pp	0.7%-0.1pp	0.8%-0.1pp	0.9%0.0pp	0.9%+0.1pp	0.8%0.0pp	0.9%+0.1pp	0.8%
Debt-to-Equity	8.55-0.4x	8.92-0.3x	9.17-0.7x	9.90+1.3x	8.63+0.7x	7.95+0.3x	7.62-0.8x	8.42+0.1x	8.30+0.1x	8.22+0.2x	8.07+0.2x	7.88-0.4x	8.30+0.6x	7.70+0.1x	7.64
Asset Turnover	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.04
FCF Margin	29.7%+4.8pp	24.9%-3.1pp	28.0%-3.9pp	31.9%-4.0pp	35.9%+4.3pp	31.6%-6.6pp	38.2%+5.0pp	33.2%+2.1pp	31.1%+0.6pp	30.5%+17.0pp	13.5%-15.9pp	29.4%-13.2pp	42.6%+13.5pp	29.1%-3.6pp	32.7%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	22.4%-4.3pp	23.5%+1.6pp	22.1%+0.6pp	25.6%+7.4pp	26.7%+6.5pp	21.9%+3.1pp	21.6%-0.6pp	18.2%-6.7pp
Return on Equity	2.0%-0.3pp	2.1%+0.3pp	2.0%+0.1pp	2.3%+0.8pp	2.3%+0.6pp	1.8%+0.3pp	1.9%0.0pp	1.5%-0.8pp
Return on Assets	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%+0.1pp	0.2%+0.1pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp
Debt-to-Equity	7.92-0.9x	8.63-0.1x	8.55-0.4x	8.940.0x	8.78-0.4x	8.75-0.5x	8.92-0.3x	8.89-1.6x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	32.5%-5.7pp	15.3%-5.0pp	50.3%+14.6pp	9.0%-8.7pp	38.2%+8.4pp	20.3%+4.6pp	35.7%+11.0pp	17.7%+2.1pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Isabella ISBA	FY2025	$78.5M	$18.9M	24.1%	$305.5M	51/100
First Utd Corp FUNC	FY2025	$88.7M	$24.5M	27.6%	$286.3M	55/100
Middlefield Banc Corp MBCN	FY2024	$67.9M	$15.5M	22.9%	$273.6M	59/100
Lcnb Corp LCNB	FY2025	$92.0M	$23.1M	25.1%	$278.4M	54/100
Timberland Bncp TSBK	FY2025	$82.6M	$29.2M	35.3%	$361.2M	58/100
Parke Bancorp Inc PKBK	FY2025	$79.9M	$37.8M	47.3%	$406.7M	73/100

Where Isabella Ranks

Frequently Asked Questions

What is Isabella's annual revenue?

Isabella (ISBA) reported $78.5M in total revenue for fiscal year 2025. This represents a 11.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Isabella's revenue growing?

Isabella (ISBA) revenue grew by 11.5% year-over-year, from $70.4M to $78.5M in fiscal year 2025.

Is Isabella profitable?

Yes, Isabella (ISBA) reported a net income of $18.9M in fiscal year 2025, with a net profit margin of 24.1%.

What is Isabella's net profit margin?

Isabella (ISBA) had a net profit margin of 24.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Isabella pay dividends?

Yes, Isabella (ISBA) paid $1.12 per share in dividends during fiscal year 2025.

What is Isabella's return on equity (ROE)?

Isabella (ISBA) has a return on equity of 8.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Isabella's free cash flow?

Isabella (ISBA) generated $23.3M in free cash flow during fiscal year 2025. This represents a 33.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Isabella's operating cash flow?

Isabella (ISBA) generated $26.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Isabella's total assets?

Isabella (ISBA) had $2.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Isabella's capital expenditures?

Isabella (ISBA) invested $3.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Isabella buy back shares?

Yes, Isabella (ISBA) spent $4.7M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Isabella have outstanding?

Isabella (ISBA) had 7M shares outstanding as of fiscal year 2025.

What is Isabella's debt-to-equity ratio?

Isabella (ISBA) had a debt-to-equity ratio of 8.55 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Isabella's return on assets (ROA)?

Isabella (ISBA) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Isabella's P/E ratio?

Isabella (ISBA) trades at 15.3x earnings, its market capitalization divided by net income of $20.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $305.5M as of Sep 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Isabella's price-to-sales ratio?

Isabella (ISBA) trades at 3.6x sales, its market capitalization divided by revenue of $85.3M revenue, trailing 12 months to June 30, 2026. The market capitalization is $305.5M as of Sep 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Isabella's Piotroski F-Score?

Isabella (ISBA) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Isabella's earnings high quality?

Isabella (ISBA) has an earnings quality ratio of 1.42x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Isabella?

Isabella (ISBA) scores 51 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.