Pricing Log in Create free account
Friday 6 November 2026 Export ISBA’s income statement to Excel — free account

Isabella Bank Corporation

ISBA Financial Banks Regional

Isabella Bank Corporation’s revenue for fiscal 2025 (year ended December 2025) was $112.0 million, up 7.12% from fiscal 2024.

Revenue
+9.91%
EPS
+21.8%
Free cash flow
+399.1%
Total debt
−67.7%

Quarter to September 2026, against a year earlier

40.32 0.31 −0.76%
Market cap
$345.0M
P/E
13.9×
Fwd P/E
12.2×
Dividend yield
2.80%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.13
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — 7 1 5 1 1 1 1 1 1 1 —
Sell — — — — — — — — — — — —
Insider Ownership 7.67%

Capital & Financial Ratios $m

Size
Market Cap 344.95
Revenue ttm 121.89
Net income ttm 21.33
Free cash flow ttm 27.25
Net debt Q (108.96)
Valuation
P/E 13.92
Forward P/E 12.20
Price / sales 2.51
Forward P/S Powerpack
Price / FCF 11.21
Price / book 1.24
Financial health
Current ratio Q 0.85
Debt / equity Q 0.12
Interest coverage Q —
Growth
Revenue growth Q +9.91% (above 0%: growing)
Operating income growth Q +31.31% (above 0%: growing)
EPS, this year +10.55%
EPS, next year A +46.64% (at or above 15%: strong)
Revenue, next year A −17.68% (below 0%: weak)
EPS, past 5 yrs +13.82%
EPS, next 5 yrs A +21.13% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 65.76%
10-year low 10-year high
P/S against its own 10 years 74.68%
10-year low 10-year high
P/B against its own 10 years 90.06%
10-year low 10-year high

Dividends

Yield
2.80%
Annual rate
1.12
Payout ratio
39.0%
Growth, 2017–25
+1.18%/yr
  1. 1.02 ’17
  2. 1.04 ’18 +2
  3. 1.05 ’19 +1
  4. 1.08 ’20 +3
  5. 1.08 ’21 +0
  6. 1.09 ’22 +1
  7. 1.12 ’23 +3
  8. 1.12 ’24 +0
  9. 1.12 ’25 +0
  10. 1.12 ’26e +0
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 34 25 26 139
Receivables — — — —
Inventory — — — —
Other — — — —
1,370 1,435 1,549 1,660
2023 2024 2025 Q'26
Payables 1,724 1,747 1,820 1,893
ST’ Debt — — — —
Other — — — —
1,724 1,747 1,820 1,950

Compound Annual Growth %

10y 5y 3y
Sales — 7.34% 12.12%
Cash Flow — 4.04% (0.09%)
Earnings — 11.68% (5.26%)
Book Value — 1.15% 7.51%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.92 Actual 0.95

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.74 0.64 Miss by 0.10
Q1 FY26 0.78 0.68 Miss by 0.10
Q2 FY26 0.92 0.69 Miss by 0.23
Q3 FY26 0.92 0.95 Beat by 0.03
Q4 FY26 0.95 — Reports 4 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.68 0.69 0.86 — —
’25 0.53 0.68 0.71 0.64 2.56
’24 0.42 0.46 0.44 0.54 1.86
’23 0.70 0.61 0.58 0.51 2.40
’22 0.62 0.69 0.77 0.83 2.91
’21 0.67 0.57 0.58 0.63 2.45
’20 0.38 0.52 0.54 (0.10) 1.34
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 29 31 32 — —
’25 26 27 29 30 112
’24 25 26 27 27 105
’23 22 23 24 25 93
’22 18 20 20 21 79
’21 19 18 19 19 74
’20 19 19 20 21 79
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 4 8 5 — —
’25 5 8 2 13 27
’24 3 6 4 7 20
’23 8 7 4 5 24
’22 6 9 6 6 27
’21 7 9 5 4 26
’20 3 3 4 11 22
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 4 7 5 — —
’25 4 7 1 11 23
’24 3 5 3 7 18
’23 6 7 2 4 20
’22 5 9 4 5 24
’21 7 9 5 4 25
’20 3 3 4 11 21
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — — 75 75 79 74 79 93 105 112 122 +5.9% 92 101 — (5.0%)
Gross margin, % — — 79.12 76.29 82.41 89.97 93.31 76.79 67.34 70.10 72.87 (9.0) pt
EBT — — 15 14 12 23 27 22 16 24 27 +6.6%
EBT margin, % — — 20.55 19.12 15.11 31.58 33.78 23.36 15.68 21.54 22.33 +1.0 pt
Net income — — 14 13 11 19 22 18 14 19 21 +4.4%
Per share, $
Per share, $ Revenue — — 9.51 9.53 9.87 9.41 10.53 12.44 14.01 15.19 15.96 +6.9%
Earnings — — 1.78 1.65 1.37 2.48 2.95 2.42 1.86 2.56 2.88 +5.3%
Cash flow — — 2.79 2.95 2.76 3.25 3.56 3.22 2.63 3.64 3.88 +3.9%
Capex — — (0.24) (0.08) (0.14) (0.11) (0.42) (0.54) (0.28) (0.47) (0.31) +10.4%
Free cash flow — — 2.55 2.87 2.62 3.14 3.14 2.68 2.35 3.17 3.57 +3.1%
Book value — — 0.00 26.57 27.46 26.87 24.66 26.94 28.17 31.39 32.16 n/m
Shares, m — — 8 8 8 8 8 8 7 7 7 (0.9%)
Valuation, ×
Valuation, × P/E — — 14.28 14.28 14.28 10.28 7.63 8.89 13.90 19.53 13.92 12.9
P/S — — 0.00 0.00 1.99 2.71 2.14 1.73 1.86 3.29 2.51 1.7
P/B — — 0.00 0.00 0.72 0.95 0.91 0.80 0.92 1.59 1.24 0.7
EV/Sales — — 0.00 0.00 0.87 2.63 2.74 2.61 2.70 3.72 — 1.9
EV/FCF — — 0.00 0.00 3.28 7.89 9.20 12.13 16.11 17.87 — 8.3
Cash, $m
Cash, $m Operating cash flow — — 22 23 22 26 27 24 20 27 30 +2.9%
Capex — — (2) (1) (1) (1) (3) (4) (2) (3) (2) +9.4%
Free cash flow — — 20 23 21 25 24 20 18 23 27 +2.2%
Balance, $m
Balance, $m Working capital — — — (81) (84) (305) (430) (354) (312) (271) (291) +22.4%
Net debt — — — 215 (88) (6) 48 82 88 116 (109) (9.7%)
Shareholders’ equity — — — 210 219 211 186 202 210 231 246 +1.6%
Returns, %
Returns, % ROA — — 0.00 1.44 0.58 0.98 1.09 0.89 0.67 0.88 0.95 +0.9 pt
ROIC — — 0.00 2.12 5.68 7.12 7.16 4.79 3.43 4.33 12.45 +4.3 pt
ROE — — 0.00 0.00 5.08 9.08 11.20 9.35 6.73 8.56 9.02 +8.6 pt
People
People Employees — — — — 340 330 347 356 368 362 — +1.3%
Revenue/emp, $m — — 0.00 0.00 0.23 0.22 0.23 0.26 0.28 0.31 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Isabella Bank Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
USCB USCB Financial Holdings, Inc. $366.3M 12.9× 10.0× +9.15% (above 0%: growing) +19.51% (above 0%: growing) +34.55% (above 0%: growing) 64.78% 0.00% Compare
FRST Primis Financial Corp. $363.6M 6.8× 12.8× +19.34% (above 0%: growing) +285.01% (above 0%: growing) +85.35% (above 0%: growing) 71.20% 0.00% Compare
WSBF Waterstone Financial, Inc. $360.6M 11.5× 11.0× +1.53% (above 0%: growing) +13.95% (above 0%: growing) +124.33% (above 0%: growing) 74.78% 0.00% Compare
BRBS Blue Ridge Bankshares, Inc. $357.9M — (loss-making) — −19.39% (below 0%: shrinking) n/m −29.11% (below 0%: shrinking) 59.82% 0.00% Compare
CFFI C&F Financial Corporation $352.3M 11.7× 11.5× +4.17% (above 0%: growing) +16.97% (above 0%: growing) +15.92% (above 0%: growing) 77.02% 0.00% Compare
ISBA Isabella Bank Corporation $345.0M 13.9× 12.2× +9.91% (above 0%: growing) +21.83% (above 0%: growing) +399.09% (above 0%: growing) 74.62% 0.00%
FSBW FS Bancorp, Inc. $344.5M 9.9× 12.0× +3.60% (above 0%: growing) +6.00% (above 0%: growing) +778.44% (above 0%: growing) 69.52% 0.00% Compare
BCML Bay Commercial Bank $336.8M 25.7× 38.5× −3.52% (below 0%: shrinking) n/m −19.47% (below 0%: shrinking) 74.74% 0.00% Compare
MVBF Mvb Financial Corp. $332.5M 14.8× 12.8× −27.72% (below 0%: shrinking) −97.79% (below 0%: shrinking) +55.49% (above 0%: growing) 70.96% 0.00% Compare
Median of peers $355.1M 11.7× 12.0× +2.57% +15.46% +45.02% 71.08% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 23 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 765.31k 962.93k 245.00
2024 870.10k 911.43k 119.00
2023 734.89k 706.87k 127.00

Ownership

Directors and executive officers, together 1.32%
Richard L. McGuirk 5.27%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Isabella Bank Corporation (ISBA) Latest News

2 Nov

Impact 3 · · ACCESS Newswire

29 Oct

Impact 4 · · ACCESS Newswire
Impact 3 · · Zacks
Impact 3 · · Zacks

6 Oct

Impact 4 · · ACCESS Newswire

28 Sep

Impact 4 · · ACCESS Newswire

23 Jul

Impact 3 ·

2 Jul

Impact 3 ·

17 Jun

Impact 4 · · bankingdive.com

16 Jun

Impact 4 · · americanbanker.com

15 Jun

Impact 4 · · woodtv.com

12 Jun

Impact 4 ·

23 Apr

Impact 4 · · ACCESS Newswire
Impact 3 · · Zacks

11 Feb

Impact 4 · · Simply Wall St.
Impact 4 · · Zacks

5 Feb

Impact 4 · · ACCESS Newswire earnings
Impact 3 · · Zacks

5 Jan

Impact 3 · · ACCESS Newswire
Impact 3 · · Simply Wall St.

15 Dec

Impact 3 · · Zacks

10 Dec

Impact 3 · · Zacks

5 Dec

Impact 3 ·

27 Nov

Impact 4 · · Zacks
Impact 3 · · Simply Wall St.

20 Nov

Impact 3 · · ACCESS NewswireSimply Wall St.Simply Wall St.Simply Wall St.GuruFocus.comInsider MonkeySimply Wall St.Simply Wall St.

3 Nov

Impact 3 · · Simply Wall St.

28 Oct

Impact 4 · · Simply Wall St.

27 Oct

Impact 4 · · Zacks
Impact 4 · · ACCESS Newswire
stockrow.com/ISBA · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com