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Financials · ISBA

Isabella Bank Corporation (ISBA) financials

For the twelve months ended Sep 30, 2026, Isabella Bank Corporation reported $88.81M of revenue and $21.33M of net income.

Revenue, TTM
$88.81M
Revenue growth, YoY
+17.1%
Net income, TTM
$21.33M
Net income growth, YoY
+17.1%
Net margin
24.0%
Free cash flow, TTM
$27.22M
EPS, diluted, TTM
$2.87
EPS growth, YoY
+16.7%
Cash
$138.54M
P/E
14.58
P/S
3.50
Market cap
$310.9M
Annual revenue$78.51M
FY2016FY2025
Annual net income$18.91M
FY2016FY2025
Annual free cash flow$23.34M
FY2016FY2025

ISBA revenue and earnings growth

ISBA revenueQ3 2026$23.94M

Quarter YoY
+16.9%
QoQ
+6.6%
FY YoY
+11.5%
5Y CAGR
+3.9%
10Y CAGR
+4.3%

ISBA revenue was $23.94M in fiscal Q3 2026 (ended Sep 30, 2026), up 16.9% from a year earlier and up 6.6% from the prior quarter. For the full fiscal 2025 it was $78.51M, up 11.5% from fiscal 2024. Compound annual growth was +3.9% over 5 years and +4.3% over 10 years. It rose in 7 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

ISBA net incomeQ3 2026$6.61M

Quarter YoY
+26.0%
QoQ
+31.0%
FY YoY
+36.2%
5Y CAGR
+11.7%
10Y CAGR
+2.3%

ISBA net income was $6.61M in fiscal Q3 2026 (ended Sep 30, 2026), up 26.0% from a year earlier and up 31.0% from the prior quarter. For the full fiscal 2025 it was $18.91M, up 36.2% from fiscal 2024. Compound annual growth was +11.7% over 5 years and +2.3% over 10 years. It rose in 4 of the last 10 fiscal years.

ISBA EPSQ3 2026$0.86

Quarter YoY
+21.1%
QoQ
+24.6%
FY YoY
+37.6%
5Y CAGR
+13.8%
10Y CAGR
+3.0%

ISBA diluted EPS was $0.86 in fiscal Q3 2026 (ended Sep 30, 2026), up 21.1% from a year earlier and up 24.6% from the prior quarter. For the full fiscal 2025 it was $2.56, up 37.6% from fiscal 2024. Compound annual growth was +13.8% over 5 years and +3.0% over 10 years.

ISBA free cash flowQ3 2026$4.86M

Quarter YoY
+620.6%
QoQ
-33.4%
FY YoY
+33.1%
5Y CAGR
+2.6%
10Y CAGR
+12.9%

ISBA free cash flow was $4.86M in fiscal Q3 2026 (ended Sep 30, 2026), up 620.6% from a year earlier and down 33.4% from the prior quarter. For the full fiscal 2025 it was $23.34M, up 33.1% from fiscal 2024. Compound annual growth was +2.6% over 5 years and +12.9% over 10 years. It rose in 6 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$78.51M$70.41M$71.77M$74.15M$66.52M$64.77M$57.48M$59.21M$56.76M$53.91M
Interest expense--$21.69M$5.32M$7.41M$13.82M$17.86M$15.63M$12.49M$10.87M
Pre-tax income$24.12M$16.40M$21.83M$26.84M$23.35M$11.87M$14.40M$15.38M$16.25M$16.15M
Income tax$5.21M$2.51M$3.67M$4.61M$3.85M$987.0K$1.38M$1.36M$3.02M$2.35M
Net income$18.91M$13.89M$18.17M$22.24M$19.50M$10.88M$13.02M$14.02M$13.24M$13.80M
EPS, basic$2.56$1.86$2.42$2.95$2.48$1.37$1.65$1.78$1.69$1.77
EPS, diluted$2.56$1.86$2.40$2.91$2.45$1.34$1.61$1.74$1.65$1.73
Diluted shares7.4M7.5M7.6M7.6M8.0M8.1M8.1M8.1M8.0M8.0M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$26.04M$24.54M$33.67M$38.92M$105.33M$246.64M$60.57M$73.47M$30.85M$22.89M
Goodwill$48.28M$48.28M$48.28M$48.28M$48.28M$48.28M$48.28M$48.28M$48.28M$48.28M
Total assets$2.21B$2.09B$2.06B$2.03B$2.03B$1.96B$1.81B$1.84B$1.81B$1.73B
Total debt$142.51M$112.99M$116.14M$87.02M$99.32M$158.75M$276.00M$340.30M$344.88M$337.69M
Total liabilities$1.98B$1.88B$1.86B$1.84B$1.82B$1.74B$1.60B$1.65B$1.62B$1.54B
Shareholders' equity$231.40M$210.28M$202.40M$186.21M$211.05M$218.59M$210.18M$195.52M$194.91M$187.90M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$26.82M$19.64M$24.18M$26.89M$25.50M$22.00M$23.30M$21.96M$19.67M$20.24M
Capital expenditures$3.48M$2.11M$4.06M$3.21M$1.59M$1.52M$1.33M$2.31M$2.04M$3.80M
Free cash flow$23.34M$17.53M$20.12M$23.68M$23.91M$20.48M$21.97M$19.66M$17.63M$16.44M
Investing cash flow-$115.88M-$37.87M-$26.25M-$106.20M-$229.63M$45.13M$15.48M$6.52M-$81.70M-$69.91M
Financing cash flow$90.56M$9.10M-$3.19M$12.91M$62.82M$118.94M-$51.68M$14.14M$69.99M$50.99M
Dividends paid$8.09M$8.15M$8.22M$8.08M$8.37M$8.52M$8.28M$8.17M$7.99M$7.64M
Share repurchases$4.71M$3.08M$3.42M-------
Stock-based compensation$341.0K$476.0K$782.0K$610.0K--$523.0K$612.0K$640.0K$573.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY11.5%-1.9%-3.2%11.5%2.7%12.7%-2.9%4.3%5.3%4.3%
Net income growth, YoY36.2%-23.5%-18.3%14.0%79.1%-16.4%-7.1%5.9%-4.1%-8.8%
EPS growth, YoY37.6%-22.5%-17.5%18.8%82.8%-16.8%-7.5%5.5%-4.6%-8.9%
Net margin24.1%19.7%25.3%30.0%29.3%16.8%22.7%23.7%23.3%25.6%
Free cash flow margin29.7%24.9%28.0%31.9%35.9%31.6%38.2%33.2%31.1%30.5%
Return on equity8.2%6.6%9.0%11.9%9.2%5.0%6.2%7.2%6.8%7.3%
Return on assets0.9%0.7%0.9%1.1%1.0%0.6%0.7%0.8%0.7%0.8%
Debt to equity0.620.540.570.470.470.731.311.741.771.80

Source: XBRL data Isabella Bank Corporation files with the SEC, latest filing dated Oct 30, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

ISBA peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
ISBA$88.81M+17.1%$21.33M24.0%$310.9M
JPM$203.15B+13.2%$65.98B32.5%$888.26B
BAC$120.16B+5.4%$32.24B26.8%$340.97B
WFC$87.23B+5.4%$22.97B26.3%$251.98B
C$85.22B+5.6%$14.31B16.8%$199.70B
UBS$49.57B+2.0%$7.80B15.7%$148.27B
COF$63.01B+31.2%$10.87B17.2%$121.43B
MFG¥8.79T+7.6%¥1.16T13.2%$116.96B
BNSC$37.74B+12.1%C$7.79B20.6%$112.48B

ISBA FAQ

8 questions
  • What is ISBA revenue?
    Isabella Bank Corporation (ISBA) reported $88.81M of revenue for the twelve months ended Sep 30, 2026. That is up 17.1% from the year before. Revenue for fiscal 2025 was $78.51M.
  • Is ISBA profitable?
    Yes. Isabella Bank Corporation earned $21.33M in net income for the twelve months ended Sep 30, 2026, a net margin of 24.0%.
  • How much cash and debt does ISBA have?
    Isabella Bank Corporation reported $138.54M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is ISBA revenue growing?
    Isabella Bank Corporation's revenue changed +11.5% in fiscal 2025, to $78.51M. Its compound annual growth rate was +3.9% over 5 years and +4.3% over 10 years.
  • What is ISBA free cash flow?
    Isabella Bank Corporation generated $27.22M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $29.59M less capital expenditures.
  • What is ISBA earnings per share?
    Diluted earnings per share were $2.87 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did ISBA last report financial results?
    The latest statements here come from Isabella Bank Corporation's 10-Q filed on Oct 30, 2026, covering the period ended Sep 30, 2026.
  • Where does this ISBA financial data come from?
    Quantisnow builds these statements from the structured XBRL data Isabella Bank Corporation files with the SEC. It is provided for information only and is not investment advice.