1. MARKETS
  2. SECTOR : BANKING & FINANCE
  3. INDUSTRY : REGIONAL & COMMUNITY BANKS
  4. ISABELLA BANK CORP
Isabella Bank Corp
XNAS: ISBA
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35.63% Fall from 52W High
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XNAS 05 Oct, 2026 5:30 PM (EDT)

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Isabella Bank Corp quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for Isabella Bank Corp share price target, revenues, EPS, net income and more

Isabella Bank Corp quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Isabella Bank Corp Jun-2026 Quarterly Revenue is $22 Million which is growth of 19.6% YoY.

  • POSITIVE

    Quarterly Net Profit Isabella Bank Corp Jun-2026 Quarterly Net Profit is $5 Million which is growth of 0.2% YoY.

Isabella Bank Corp, Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
21.820.720.619.918.317.617.117.516.716.116.41717.7
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
-------------
Operating Profit
-------------
⌄
-------------
Profit Before Tax
6.266.86.36.24.94.83.84.13.64.55.45.6
Tax
1.112.111.10.90.80.60.60.50.70.90.9
⌄
554.75.25443.33.53.13.84.44.6
Diluted NI Avail to Com Stockholders Ann.
554.75.25443.33.53.13.84.44.6
Basic EPS
0.70.70.60.70.70.50.50.40.50.40.50.60.6
Diluted EPS After ExtraOrdinary
0.80.70.60.70.70.50.50.40.50.40.50.60.6
Number Of Shares End
7.37.37.37.47.47.47.47.57.57.57.57.57.5
Net Income Continuing Discontinued Operations
554.75.25443.33.53.13.84.44.6
Normalized Income
5.554.75.25443.33.53.13.84.44.6
Interest Income
26.225.125.324.923.222.623.223.322.121.421.120.519.5
Interest
8.18.38.68.78.18.18.68.98.58.17.46.24.8
Net Interest Income
18.116.916.716.215.114.514.614.513.613.213.614.314.7
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
0.60.60.50.50.50.50.50.50.50.50.50.50.6
Profit From Continuing Operations
554.75.25443.33.53.13.84.44.6
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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Isabella Bank Corp competitor comparison and performance snapshot within industry

Isabella Bank Corp annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue Isabella Bank Corp Dec-2025 Annual Revenue is $76 Million which is growth of 12.9% YoY.

  • POSITIVE

    Annual Net Profit Isabella Bank Corp Dec-2025 Annual Net Profit is $19 Million which is growth of 36.2% YoY.

Isabella Bank Corp, Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
2.3%
4.3%
 76.367.669.171.263.961.958.556.954.852.2-
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 -----------
Operating Profit Ann.
-
-
 -----------
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
-3.5%
15.2%
25.224.116.421.826.823.411.914.415.416.316.2-
Tax Ann.
4.2%
39.1%
5.35.22.53.74.63.911.41.432.4-
⌄
-5.2%
11.6%
2018.913.918.222.219.510.9131413.213.8-
Diluted NI Avail to Com Stockholders Ann.
-5.2%
11.6%
2018.913.918.222.219.510.9131413.213.8-
EPS Ann.
-4.7%
13.2%
 2.61.92.432.51.41.71.81.71.82
Diluted EPS Ann.
-3.6%
14.9%
 2.61.92.42.92.51.31.61.71.71.71.9
Number Of Shares End
-1.3%
-1.8%
 7.37.47.57.67.687.97.97.97.87.8
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
-5.2%
11.6%
2018.913.918.222.219.510.9131413.213.8-
Normalized Income Ann.
-5.2%
1.1%
20.418.913.918.222.219.517.912.91413.213.8-
Interest Income Ann.
13.4%
8.4%
101.5969079.665.860.164.267.363.958.453.7-
Interest Ann.
84.9%
19.4%
33.633.534.121.75.37.413.817.915.612.510.9-
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
-1.5%
-8.1%
2.22.12.12.12.22.93.23.33.33.43.4-
Profit From Continuing Operations Ann.
-5.2%
11.6%
2018.913.918.222.219.510.9131413.213.8-
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
12.9%
2Y CAGR
5.1%
3Y CAGR
2.3%
5Y CAGR
4.3%
7Y CAGR
4.3%
Total Revenue Annual growth is higher than historical averages.
Net Profit Ann.
1Y CHG
36%
2Y CAGR
1.9%
3Y CAGR
-5.2%
5Y CAGR
11.6%
7Y CAGR
4.4%
Net Profit Annual growth is higher than historical averages.

Isabella Bank Corp balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Isabella Bank Corp Dec-2025 Total Shareholders Fund is $231 Million which is growth of 10.0% YoY.

  • POSITIVE

    Total Assets Isabella Bank Corp Dec-2025 Total Assets is $2,209 Million which is growth of 5.9% YoY.

Isabella Bank Corp, Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
2.9%
2.5%
2,209.52,086.22,0592,030.32,032.21,957.41,814.21,837.31,813.11,732.2-
⌄
2.4%
2.6%
1,978.11,8761,856.61,844.11,821.11,738.81,6041,641.81,618.21,544.3-
⌄
7.5%
1.1%
231.4210.3202.4186.2211.1218.6210.2195.5194.9187.9-
Total Capitalization Ann.
12.4%
-0.2%
305.9269.7271.7215.5260.2308.6455.2495.5484.9457.9-
Tangible Assets Ann.
9.9%
1.5%
183.1162154.1137.9162.8170.3161.8147.1146.4139.2-
Working Capital Ann.
-
-
-----------
Invested Capital Ann.
12.4%
-0.2%
305.9269.7271.7215.5260.2308.6455.2495.5484.9457.9-
Tangible Book Value Ann.
9.9%
1.5%
183.1162154.1137.9162.8170.3161.8147.1146.4139.2-
Borrowings Ann.
36.6%
-3.7%
74.559.469.329.249.290245300290270-
Net Debt Ann.
-
-
48.534.935.7---184.4226.5259.2247.1-
Share Issued Ann.
0%
-0.8%
7.67.47.57.67.57.97.97.97.87.8-
Number Of Shares End
-1.3%
-1.8%
7.37.47.57.67.687.97.97.97.87.8
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
5.9%
2Y CAGR
3.6%
3Y CAGR
2.9%
5Y CAGR
2.5%
7Y CAGR
2.7%
Total Assets Annual growth is higher than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
10%
2Y CAGR
6.9%
3Y CAGR
7.5%
5Y CAGR
1.1%
7Y CAGR
2.4%
Total ShareHolders Funds Annual growth is higher than historical averages.

Isabella Bank Corp ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Isabella Bank Corp Book Value Per Share is $33 which is growth of 8.8% YoY.

  • NEUTRAL

    ROE Isabella Bank Corp ROE is 0% which is growth of 0% YoY.

Isabella Bank Corp, Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-----------
ROE Ann. %
-
-
-----------
ROIC %
-
-
-----------
OPM Ann. %
-
-
-----------
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-----------
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-----------
*All financials are in USD Million and price data in USD
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Isabella Bank Corp cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • POSITIVE

    Cash From Operating Activity Isabella Bank Corp Dec-2025 Cash From Operating Activity is $27 Million which is growth of 36.6% YoY.

  • POSITIVE

    Net Cash Flow Isabella Bank Corp Dec-2025 Net Cash Flow is $1 Million which is growth of 116.4% YoY.

Isabella Bank Corp, Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
-0.1%
4%
26.819.623.726.925.52223.3221719.2-
⌄
-
-
-115.9-37.9-25.8-106.3-229.645.115.56.5-79-68.8-
⌄
91.5%
-5.3%
90.69.1-3.212.962.8118.9-51.714.17051-
Cash Plus Cash Eqv. End Of Year Ann.
-12.6%
-36.2%
2624.533.738.9105.3246.660.673.530.922.9-
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-61.9%
1.5-9.1-5.3-66.4-141.3186.1-12.942.681.3-
Cash Plus Cash Eqv. Begin Of Year Ann.
-38.5%
-16.6%
24.533.738.9105.3246.660.673.530.922.921.6-
Income Tax Paid Supplemental Data Ann.
-20.6%
19.6%
2.22.12.44.44.10.90.70.13.11.4-
Interest Paid Supplemental Data Ann.
84.9%
18.7%
33.53421.15.37.614.217.815.512.410.8-
Capex Ann.
-
-
-3.5-2.1-4.1-3.2-1.6-1.5-1.3-2.3-2-3.8-
Issuance Of Capital Stock Ann.
-10.3%
-20.9%
1.31.51.61.81.64.24.96.96.25-
Issuance Of Debt Ann.
-
-
--4029.1------
Repayment Of Debt Ann.
-
-
----20-70------
Repurchase Of Capital Stock Ann.
-
-
-4.7-4.4-5-2.3-15-4.3-5.1-7.4-5.6-4.8-
Free Cash Flow Ann.
-0.6%
2.6%
23.317.519.723.723.920.52219.71515.4-
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
36.7%
2Y CAGR
6.3%
3Y CAGR
-0.1%
5Y CAGR
4%
7Y CAGR
2.9%
Cash from Operating Activity Annual growth is higher than historical averages.
Cash from Financing Act. Ann.
1Y CHG
895.6%
3Y CAGR
91.5%
5Y CAGR
-5.3%
7Y CAGR
30.4%
Cash from Financing Annual Activity growth is higher than historical averages.
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