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Friday 6 November 2026
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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
40.74
0.11
+0.27%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | |
|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
8 | 7 | 6 | 8 | 7 | — | — | — |
P/E ratio |
19.53 | 13.90 | 8.89 | 7.63 | 10.28 | 14.28 | 14.28 | 14.28 |
P/S ratio |
3.29 | 1.86 | 1.73 | 2.14 | 2.71 | 1.99 | 0.00 | 0.00 |
P/FCF ratio |
15.79 | 11.07 | 8.04 | 7.17 | 8.13 | 7.49 | 0.00 | 0.00 |
P/Operating CF |
29.02 | 27.24 | 29.91 | 26.31 | 46.16 | 14.15 | 0.00 | 0.00 |
P/B ratio |
1.59 | 0.92 | 0.80 | 0.91 | 0.95 | 0.72 | 0.00 | 0.00 |
Price to Tangible BV |
2.01 | 1.20 | 1.05 | 1.23 | 1.23 | 0.92 | 0.00 | 0.00 |
EV/Sales |
3.72 | 2.70 | 2.61 | 2.74 | 2.63 | 0.87 | 0.00 | 0.00 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
15.55 | 14.38 | 10.10 | 8.11 | 7.62 | 3.12 | 0.00 | 0.00 |
EV/FCF |
17.87 | 16.11 | 12.13 | 9.20 | 7.89 | 3.28 | 0.00 | 0.00 |
Quick Ratio |
0.01 | 0.01 | 0.02 | 0.02 | 0.06 | 0.16 | 0.05 | — |
Current Ratio |
0.85 | 0.82 | 0.79 | 0.76 | 0.82 | 0.95 | 0.94 | — |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Debt/Assets |
6.45% | 5.42% | 5.64% | 4.29% | 4.89% | 8.11% | 15.23% | 0.00% |
Debt/Equity |
0.62 | 0.54 | 0.57 | 0.47 | 0.47 | 0.73 | 1.31 | 0.00 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.08 | 0.00 |
Operating CF/Net income |
1.42 | 1.41 | 1.33 | 1.21 | 1.31 | 2.02 | 1.79 | 1.57 |
Capex/Depreciation |
(1.12) | (0.62) | (1.18) | (0.78) | (0.17) | (0.21) | (0.12) | (0.36) |
| 8.56% | 6.73% | 9.35% | 11.20% | 9.08% | 5.08% | 0.00% | 0.00% | |
| 0.88% | 0.67% | 0.89% | 1.09% | 0.98% | 0.58% | 1.44% | 0.00% | |
ROIC |
4.33% | 3.43% | 4.79% | 7.16% | 7.12% | 5.68% | 2.12% | 0.00% |
Return on Tangible Assets |
(7.81%) | (4.89%) | (5.57%) | (5.50%) | (6.96%) | (18.56%) | (23.89%) | 0.00% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
48.56% | 51.66% | 53.43% | 59.53% | 58.40% | 67.30% | 57.18% | 58.56% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.00 |
Share Based Compensation of Revenue |
0.30% | 0.46% | 0.84% | 0.77% | 0.70% | 0.54% | 0.69% | 0.82% |
Graham Net Nets |
(1.16) | (2.27) | (3.01) | (3.04) | (2.02) | (1.55) | 0.00 | 0.00 |
Graham Number |
42.52 | 34.43 | 38.30 | 40.46 | 38.72 | 29.03 | 0.00 | 0.00 |
Earnings Yield |
5.12% | 7.20% | 11.25% | 13.11% | 9.73% | 7.00% | 7.00% | 7.00% |
Free Cash Flow Yield |
6.33% | 9.04% | 12.44% | 13.94% | 12.30% | 13.35% | 0.00% | 0.00% |
Revenue per Share |
15.19 | 14.01 | 12.44 | 10.53 | 9.41 | 9.87 | 9.53 | 9.51 |
Operating CF per Share |
3.64 | 2.63 | 3.22 | 3.56 | 3.25 | 2.76 | 2.95 | 2.79 |
Capex per Share |
(0.47) | (0.28) | (0.54) | (0.42) | (0.11) | (0.14) | (0.08) | (0.24) |
Free Cash Flow per Share |
3.17 | 2.35 | 2.68 | 3.14 | 3.14 | 2.62 | 2.87 | 2.55 |
Cash per Share |
3.53 | 3.29 | 4.48 | 5.16 | 13.41 | 30.98 | 7.66 | 0.00 |
Shareholders Equity per Share |
31.39 | 28.17 | 26.94 | 24.66 | 26.87 | 27.46 | 26.57 | 0.00 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
31.39 | 28.17 | 26.94 | 24.66 | 26.87 | 27.46 | 26.57 | 0.00 |
Free Cash Flow |
23.34 | 17.53 | 20.12 | 23.68 | 24.62 | 20.89 | 22.67 | 20.11 |
Working Capital |
(270.98) | (311.84) | (353.67) | (430.21) | (304.54) | (83.78) | (80.76) | — |
Capital Expenditures |
(3.48) | (2.11) | (4.06) | (3.20) | (0.88) | (1.11) | (0.63) | (1.85) |
Net Current Asset Value |
(429.37) | (440.75) | (486.54) | (517.22) | (403.86) | (242.53) | (356.76) | 0.00 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.03 | 0.02 | 0.04 | 0.04 | 0.01 | 0.01 | 0.01 | 0.02 |
Price to Operating Income |
15.28 | 11.83 | 7.40 | 6.20 | 8.58 | 13.47 | 0.00 | 0.00 |
| Other line items | ||||||||
Depreciation/Fixed assets |
0.11 | 0.12 | 0.12 | 0.16 | 0.21 | 0.21 | 0.19 | 0.00 |
Cash ROIC |
5.84% | 5.04% | 5.71% | 7.59% | 5.92% | 3.35% | 4.15% | 0.00% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.02 | 0.02 | 0.01 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
19,831.41 | 18,676.65 | 29,010.41 | 119,740.53 | 84,224.73 | 41,353.03 | 26,849.32 | 0.00 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,783.36 | 1,735.38 | 1,733.99 | 1,727.31 | 1,638.33 | 1,440.08 | — | — |
Average Assets |
2,147.84 | 2,072.60 | 2,044.62 | 2,031.21 | 1,994.77 | 1,885.01 | 906.32 | — |
Average Common Equity |
220.84 | 206.34 | 194.31 | 198.63 | 214.82 | 214.39 | — | — |
Columns are period end dates · fundamentals updated 5 Nov 2026