Saturday 17 October 2026 Export ISBA’s income statement to Excel — free account

Isabella Bank Corporation

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.

36.60 0.11 −0.30%

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Market cap: $280.1M
P/E: 13.5×
Fwd P/E: 11.9×
Dividend yield: 3.06%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.13

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	7	1	5	1	1	1	1	1	1	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 4.11%

Capital & Financial Ratios $m

Market Cap 280.06

Revenue 118.99

Net Income 19.96

Free Cash Flow 23.31

Net Debt (12.21)

Current Ratio 0.84

Debt/Equity 0.12

P/E ratio 13.46

Fwd P/E 11.90

P/S ratio 2.25

P/B ratio 1.08

Past 5Y EPS Growth 13.82%

This Y EPS Growth 28.91%

Next Y EPS Growth 19.70%

Next Y revenue growth (17.68%)

Next 5Y EPS Growth 17.97%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 56.08%

10-year low 10-year high

P/S against its own 10 years 52.23%

10-year low 10-year high

P/B against its own 10 years 80.98%

10-year low 10-year high

Dividends

Payout Ratio 0.41

Annual Dividend Rate 1.12

Annual Dividend Yield 3.06%

	total	individual payouts
2027	Powerpack
2026	1.12	0.28 0.28 0.28
2025	1.12	0.28 0.28 0.28 0.28
2024	1.12	0.28 0.28 0.28 0.28
2023	1.12	0.28 0.28 0.28 0.28
2022	1.09	0.27 0.27 0.27 0.28
2021	1.08	0.27 0.27 0.27 0.27
2020	1.08	0.27 0.27 0.27 0.27
2019	1.05	0.26 0.26 0.26 0.27
2018	1.04	0.26 0.26 0.26 0.26
2017	1.02	0.25 0.25 0.26 0.26
2016	0.98	0.24 0.24 0.25 0.25

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	34	25	26	42
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	1,370	1,435	1,549	1,617

	2023	2024	2025	Q'26
Payables	1,724	1,747	1,820	1,810
ST’ Debt	—	—	—	—
Other	—	—	—	—
	1,724	1,747	1,820	1,926

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	29	31	—	—	—
’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	—	—	—
’25	5	8	3	12	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	—	—	—
’25	4	7	2	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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.68	0.69	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	27.25	27.60	22.50	22.01	15.60	19.45	21.00	19.13	17.55	21.50	Analyst estimates 2026–2028 Powerpack
	High	29.90	29.95	28.25	24.80	24.50	29.00	26.25	26.00	26.23	58.83
People
People	Employees	—	—	—	—	340	330	347	356	368	362
	Revenue/emp, $m	—	—	0.00	0.00	0.23	0.22	0.23	0.26	0.28	0.31
Income, $m
Income, $m	Revenue	—	—	75	75	79	74	79	93	105	112
	Gross margin, %	—	—	79.12	76.29	82.41	89.97	93.31	76.79	67.34	70.10
	EBT	—	—	15	14	12	23	27	22	16	24
	EBT margin, %	—	—	20.55	19.12	15.11	31.58	33.78	23.36	15.68	21.54
	Net income	—	—	14	13	11	19	22	18	14	19
	Depreciation	—	—	5	5	5	5	4	3	3	3
Per share, $
Per share, $	Revenue	—	—	9.51	9.53	9.87	9.41	10.53	12.44	14.01	15.19
	Earnings	—	—	1.78	1.65	1.37	2.48	2.95	2.42	1.86	2.56
	Cash flow	—	—	2.79	2.95	2.76	3.25	3.56	3.22	2.63	3.64
	Capex	—	—	(0.24)	(0.08)	(0.14)	(0.11)	(0.42)	(0.54)	(0.28)	(0.47)
	Free cash flow	—	—	2.55	2.87	2.62	3.14	3.14	2.68	2.35	3.17
	Book value	—	—	0.00	26.57	27.46	26.87	24.66	26.94	28.17	31.39
	Shares, m	—	—	8	8	8	8	8	8	7	7
Valuation, ×
Valuation, ×	P/E	—	—	14.28	14.28	14.28	10.28	7.63	8.89	13.90	19.53
	P/S	—	—	0.00	0.00	1.99	2.71	2.14	1.73	1.86	3.29
	P/B	—	—	0.00	0.00	0.72	0.95	0.91	0.80	0.92	1.59
	EV/Sales	—	—	0.00	0.00	0.87	2.63	2.74	2.61	2.70	3.72
	EV/FCF	—	—	0.00	0.00	3.28	7.89	9.20	12.13	16.11	17.87
Cash, $m
Cash, $m	Operating cash flow	—	—	22	23	22	26	27	24	20	27
	Capex	—	—	(2)	(1)	(1)	(1)	(3)	(4)	(2)	(3)
	Free cash flow	—	—	20	23	21	25	24	20	18	23
Balance, $m
Balance, $m	Working capital	—	—	—	(81)	(84)	(305)	(430)	(354)	(312)	(271)
	Total debt	—	—	—	276	159	99	87	116	113	143
	Net debt	—	—	—	215	(88)	(6)	48	82	88	116
	Shareholders’ equity	—	—	—	210	219	211	186	202	210	231
Returns, %
Returns, %	ROA	—	—	0.00	1.44	0.58	0.98	1.09	0.89	0.67	0.88
	ROIC	—	—	0.00	2.12	5.68	7.12	7.16	4.79	3.43	4.33
	ROE	—	—	0.00	0.00	5.08	9.08	11.20	9.35	6.73	8.56

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
MYFW First Western Financial, Inc.	$287.7M	15.5×	12.3×	+10.12% (above 0%: growing)	+126.92% (above 0%: growing)	+216.45% (above 0%: growing)	58.35%	0.00%	Compare
ATLO Ames National Corporation	$284.8M	12.5×	11.0×	+7.68% (above 0%: growing)	+31.37% (above 0%: growing)	−13.26% (below 0%: shrinking)	73.46%	0.00%	Compare
FUNC First United Corporation	$283.5M	11.4×	9.1×	+5.24% (above 0%: growing)	−4.35% (below 0%: shrinking)	+705.52% (above 0%: growing)	75.95%	0.00%	Compare
FRAF Franklin Financial Services Corp.	$282.6M	11.4×	10.0×	+1.12% (above 0%: growing)	+11.36% (above 0%: growing)	+20.95% (above 0%: growing)	71.88%	0.00%	Compare
OVLY Oak Valley Bancorp (CA)	$282.3M	12.0×	—	+4.45% (above 0%: growing)	−8.82% (below 0%: shrinking)	−20.28% (below 0%: shrinking)	85.32%	0.00%	Compare
ISBA Isabella Bank Corporation	$280.1M	13.5×	11.9×	+13.60% (above 0%: growing)	+1.47% (above 0%: growing)	+1.06% (above 0%: growing)	73.42%	0.00%
VABK Virginia National Bankshares Corporation	$279.1M	11.1×	17.8×	+24.86% (above 0%: growing)	+110.13% (above 0%: growing)	−47.94% (below 0%: shrinking)	77.48%	0.00%	Compare
NKSH National Bankshares, Inc.	$276.0M	13.6×	10.7×	+6.17% (above 0%: growing)	+119.44% (above 0%: growing)	+118.57% (above 0%: growing)	71.02%	0.00%	Compare
FNRN First Northern Community Bancorp	$273.3M	12.2×	—	+2.07% (above 0%: growing)	−12.99% (below 0%: shrinking)	+31.66% (above 0%: growing)	83.16%	0.00%	Compare
Median of peers	$282.4M	12.1×	10.9×	+5.71%	+21.37%	+26.31%	74.71%	0.00%

All 323 Banks Regional stocks →

Isabella Bank Corporation (ISBA) key facts

Strength: Isabella Bank Corporation’s revenue for fiscal 2025 (year ended December 2025) was $112.0 million, up 7.12% from fiscal 2024.
Strength: Net income was $18.9 million, or $2.56 per share (basic), a net margin of 16.9%.
Isabella Bank Corporation (ISBA) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, ISBA traded at $36.60, a market capitalization of $280.1 million.
At that price the stock trades at 13.5× trailing-twelve-month earnings and 2.3× sales; its P/E is higher than 56% of its own readings over the past ten years.
Isabella Bank Corporation pays an annual dividend of $1.12 per share, a yield of 3.06%, with a payout ratio of 41.2%.
Return on equity was 8.56% and debt-to-equity 0.12.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.