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. In the quarter to June 2026, revenue grew 13.6%, EPS grew 1.47%, free cash flow grew 1.06% and total debt fell 59.3%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three; insiders bought in the last twelve months.
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Isabella Bank Corporation (ISBA) Piotroski F-score
Isabella Bank Corporation's Piotroski F-score for fiscal 2025 is 8 out of 9: 8 of nine tests of profitability, leverage and efficiency passed, up from 7 in fiscal 2024.
Piotroski F-score, annual
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Annual newest first
| Period | Piotroski F-score | Change (points) |
|---|---|---|
| FY2025 | 8 | 1.00 |
| FY2024 | 7 | 1.00 |
| FY2023 | 6 | (2.00) |
| FY2022 | 8 | 1.00 |
| FY2021 | 7 | — |
How fiscal 2025’s score is made up
| Test | This year | Year before | Result | Points |
|---|---|---|---|---|
| Positive return on assets | 0.88% | 0.67% | Pass | 1 |
| Positive operating cash flow | 26.82m | 19.64m | Pass | 1 |
| Rising return on assets | 0.88% | 0.67% | Pass | 1 |
| Cash flow above net income | 7.91m | 5.75m | Pass | 1 |
| Falling long-term leverage | 0.07 | 0.05 | Fail | 0 |
| Rising current ratio | 0.85 | 0.82 | Pass | 1 |
| No new shares issued | 7,372,000 | 7,465,000 | Pass | 1 |
| Rising gross margin | 70.10% | 67.34% | Pass | 1 |
| Rising asset turnover | 0.05 | 0.05 | Pass | 1 |
| Piotroski F-score | Strong — most fundamentals improved | 8 | ||
How the Piotroski F-score works
One point for each of nine tests, this fiscal year against the one before: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, a rising current ratio, no new shares issued, a rising gross margin and rising asset turnover. The ratios are the ones on this site, so each can be checked.
Joseph Piotroski (2000) called 8–9 high and 0–1 low; reading it in three bands is the common convention:
| 7–9 | Strong — most fundamentals improved |
|---|---|
| 4–6 | Mixed |
| 0–3 | Weak — most fundamentals deteriorated |
Where this differs from the paper: return on assets is on average rather than beginning-of-year assets, and weighted basic shares stand in for shares issued. The score is shown only when all nine tests can be worked out, which takes three fiscal years; banks and insurers, which report no current assets or gross profit, have none.
Piotroski F-score against peers
| Company | Piotroski F-score |
|---|---|
| ATLO Ames National Corporation compare | 9 |
| FRAF Franklin Financial Services Corp. compare | 8 |
| ISBA Isabella Bank Corporation | 8 |
| FNRN First Northern Community Bancorp compare | 8 |
| VABK Virginia National Bankshares Corporation compare | 7 |
| NKSH National Bankshares, Inc. compare | 7 |
| FUNC First United Corporation compare | 7 |
| OVLY Oak Valley Bancorp (CA) compare | 7 |
| MYFW First Western Financial, Inc. compare | 5 |
What Piotroski F-score is
The Piotroski F-Score tells an investor how many signs of improving profitability, funding and efficiency a company shows against a year earlier.
One point for each of nine tests against a year earlier: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, rising current ratio, no new shares issued, rising gross margin, and rising asset turnover