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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
40.74
0.11
+0.27%
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| Sep '26 | Jun '26 | Mar '26 | Dec '25 | Older periods | |
|---|---|---|---|---|---|
P/E ratio |
13.03 | 14.52 | 16.85 | 19.53 |
+8 more quarters Free account |
P/S ratio |
2.35 | 2.43 | 2.90 | 3.29 | |
P/FCF ratio |
10.80 | 12.42 | 14.40 | 15.79 | |
P/Operating CF |
52.92 | 37.59 | 88.56 | 31.98 | |
P/B ratio |
1.17 | 1.16 | 1.43 | 1.59 | |
Price to Tangible BV |
1.45 | 1.44 | 1.80 | 2.01 | |
EV/Sales |
— | 2.33 | 2.72 | 3.72 | |
EV/EBITDA |
— | 0.00 | 0.00 | 0.00 | |
EV/Operating CF |
— | 10.72 | 12.10 | 15.55 | |
EV/FCF |
— | 11.90 | 13.51 | 17.87 | |
Quick Ratio |
0.07 | 0.02 | 0.03 | 0.01 | |
Current Ratio |
0.85 | 0.84 | 0.81 | 0.82 | |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | |
Debt/Assets |
1.32% | 1.33% | 1.31% | 3.37% | |
Debt/Equity |
0.12 | 0.12 | 0.13 | 0.32 | |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.05 | |
Operating CF/Net income |
0.82 | 1.53 | 0.76 | 2.46 | |
Capex/Depreciation |
(1.07) | (0.68) | (0.21) | (1.20) | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
48.93% | 53.22% | 51.77% | 48.30% | |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.02 | 0.02 | |
Share Based Compensation of Revenue |
0.15% | 0.15% | 0.58% | 0.21% | |
Graham Net Nets |
(1.17) | (1.22) | (1.26) | (1.16) | |
Graham Number |
45.61 | 45.57 | 44.13 | 42.52 | |
Earnings Yield |
7.67% | 6.89% | 5.93% | 5.12% | |
Free Cash Flow Yield |
9.26% | 8.05% | 6.94% | 6.33% | |
Revenue per Share |
4.20 | 4.17 | 4.03 | 4.03 | |
Operating CF per Share |
0.71 | 1.05 | 0.52 | 1.56 | |
Capex per Share |
(0.06) | (0.05) | (0.02) | (0.12) | |
Free Cash Flow per Share |
0.64 | 1.00 | 0.49 | 1.44 | |
Cash per Share |
18.14 | 5.70 | 6.84 | 3.53 | |
Shareholders Equity per Share |
32.16 | 33.93 | 31.94 | 31.39 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
32.16 | 33.93 | 31.94 | 31.39 | |
Free Cash Flow |
4.92 | 7.32 | 3.62 | 10.65 | |
Working Capital |
(290.53) | (308.96) | (378.34) | (338.98) | |
Capital Expenditures |
(0.49) | (0.39) | (0.16) | (0.88) | |
Net Current Asset Value |
(334.98) | (353.97) | (422.96) | (429.37) | |
EV/EBIT |
— | 0.00 | 0.00 | 0.00 | |
Capex to Sales |
0.02 | 0.01 | 0.01 | 0.03 | |
Price to Operating Income |
10.51 | 11.47 | 13.26 | 15.28 | |
| Other line items | |||||
Average Payables |
1,909.11 | 1,829.64 | 1,828.88 | 1,783.36 | |
Average Assets |
2,250.08 | 2,187.90 | 2,177.27 | 2,147.84 | |
Average Common Equity |
236.50 | 234.60 | 224.76 | 220.84 |
Columns are period end dates · fundamentals updated 6 Nov 2026