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

Isabella Bank Corporation (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 Bank Corporation (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 $283.2M as of Oct 21, 2026

Price / Sales 3.3x on $85.3M revenue, trailing 12 months to June 30, 2026

Price / Earnings 14.2x on $20.0M net income, trailing 12 months to June 30, 2026

Price / Book 1.1x 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 Oct 21, 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 Bank Corporation (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 2026-10-04

Isabella Bank’s 2025 rebound restored earnings and cash generation, while its balance sheet remains structurally financed with liabilities far above equity.

In FY2025, operating cash flow of $26.8M exceeded net income of $18.9M, indicating that reported earnings translated into cash rather than relying mainly on accrual accounting. Free cash flow also recovered to $23.3M from FY2024, reinforcing that the earnings improvement was accompanied by cash generation.

Assets reached $2.2B and equity $231M in FY2025, leaving liabilities as the dominant funding source. Debt-to-equity nevertheless declined from 8.9x in FY2024 to 8.5x, so the balance sheet became modestly less leveraged relative to its capital base.

Profitability recovered but did not fully return to its earlier peak: net margin rose from 19.7% in FY2024 to 24.1% in FY2025. Return on assets likewise improved from 0.7% to 0.9%, but remains modest because earnings are spread across a large asset base.

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 Bank Corporation'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 Bank Corporation 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 Bank Corporation scores 43/100 among other banks.

Growth

Isabella Bank Corporation 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 Bank Corporation scores 35/100 among other banks.

Capital

Isabella Bank Corporation 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 Bank Corporation scores 36/100 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 Bank Corporation 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 Bank Corporation scores 89/100 on it among other banks.

Stability

Isabella Bank Corporation 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 Bank Corporation scores 75/100 among other banks.

Piotroski F-Score Partial

6/6

Isabella Bank Corporation 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 Bank Corporation 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 Bank Corporation 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 Bank Corporation 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 Bank Corporation 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 Bank Corporation 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 Bank Corporation 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 Bank Corporation 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 Bank Corporation 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 change-6.4pp

10Y change-3.2pp

Isabella Bank Corporation'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 change-0.1pp

10Y change+0.3pp

Isabella Bank Corporation'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 Bank Corporation 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 Bank Corporation 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 Bank Corporation ISBA	FY2025	$78.5M	$18.9M	24.1%	$283.2M	51/100
First United Corp FUNC	FY2025	$88.7M	$24.5M	27.6%	$284.5M	55/100
Middlefield Banc Corp. MBCN	FY2024	$67.9M	$15.5M	22.9%	$273.6M	59/100
LCNB Corporation LCNB	FY2025	$92.0M	$23.1M	25.1%	$271.6M	54/100
Timberland Bancorp Inc TSBK	FY2025	$82.6M	$29.2M	35.3%	$354.5M	57/100
Parke Bancorp Inc. PKBK	FY2025	$79.9M	$37.8M	47.3%	$382.4M	73/100

Where Isabella Bank Corporation Ranks

Frequently Asked Questions

What is Isabella Bank Corporation's annual revenue?

Isabella Bank Corporation (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 Bank Corporation's revenue growing?

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

Is Isabella Bank Corporation profitable?

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

What is Isabella Bank Corporation's net profit margin?

Isabella Bank Corporation (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 Bank Corporation pay dividends?

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

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

Isabella Bank Corporation (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 Bank Corporation's free cash flow?

Isabella Bank Corporation (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 Bank Corporation's operating cash flow?

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

What are Isabella Bank Corporation's total assets?

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

What are Isabella Bank Corporation's capital expenditures?

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

Does Isabella Bank Corporation buy back shares?

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

How many shares does Isabella Bank Corporation have outstanding?

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

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

Isabella Bank Corporation (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 Bank Corporation's return on assets (ROA)?

Isabella Bank Corporation (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 Bank Corporation's P/E ratio?

Isabella Bank Corporation (ISBA) trades at 14.2x earnings, its market capitalization divided by net income of $20.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $283.2M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

Isabella Bank Corporation (ISBA) trades at 3.3x sales, its market capitalization divided by revenue of $85.3M revenue, trailing 12 months to June 30, 2026. The market capitalization is $283.2M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Isabella Bank Corporation's Piotroski F-Score?

Isabella Bank Corporation (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 Bank Corporation's earnings high quality?

Isabella Bank Corporation (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 Bank Corporation?

Isabella Bank Corporation (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.