ISBA

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Isabella Bank Corp.

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Key Metrics

Previous Close: $39.94
52-Week Range: $29.52 – $58.83
Market Cap: $299.89M
P/E (TTM): 14.67
EPS (TTM): 2.68
Dividend Yield: 2.82%

Advanced Metrics

Price/Book: 1.21
PEG Ratio: —
Return on Equity: 8.51%
Return on Assets: 0.91%
Gross Margin: 0.00%
Operating Margin: 32.33%
Profit Margin: 23.99%
Current Ratio: —
Debt/Equity: —
Total Debt: $145.57M
Free Cash Flow: —
Revenue Growth: 8.30%
Earnings Growth: 1.10%
Enterprise Value: $403.69M

ISBA Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$71.23M	$70.00M	$68.44M	$76.30M
Selling, General & Admin	$27.40M	$28.90M	$31.42M	$33.21M
Pretax Income	$26.84M	$21.83M	$16.40M	$24.12M
Income Tax	$4.61M	$3.67M	$2.51M	$5.21M
Net Income	$22.24M	$18.17M	$13.89M	$18.91M
Diluted EPS	2.91	2.40	1.86	2.56
Diluted Shares	7.65M	7.58M	7.47M	7.39M

ISBA Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$38.92M	$33.67M	$24.54M	$26.04M
Receivables	$33.59M	$35.13M	—	—
Total Assets	$2.03B	$2.06B	$2.09B	$2.21B
Long-Term Debt	$29.25M	$69.33M	$59.42M	$74.51M
Total Debt	$29.25M	$69.33M	$59.42M	$74.51M
Total Liabilities	$1.84B	$1.86B	$1.88B	$1.98B
Retained Earnings	$89.75M	$97.28M	$103.02M	$113.85M
Shareholders' Equity	$186.21M	$202.40M	$210.28M	$231.40M
Net Debt	—	$35.66M	$34.88M	$48.47M

ISBA Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$26.89M	$24.18M	$19.64M	$26.82M
Capital Expenditure	-$3.21M	-$4.06M	-$2.11M	-$3.48M
Free Cash Flow	$23.68M	$20.12M	$17.53M	$23.34M
Depreciation & Amortisation	$2.07M	$1.98M	$2.09M	$2.14M
Stock-Based Compensation	$610.00K	$782.00K	$476.00K	$341.00K
Investing Cash Flow	-$106.20M	-$26.25M	-$37.87M	-$115.88M
Financing Cash Flow	$12.91M	-$3.19M	$9.10M	$90.56M
Dividends Paid	-$8.08M	-$8.22M	-$8.15M	-$8.09M
Share Repurchases	-$2.31M	-$5.04M	-$4.41M	-$4.71M
Net Change in Cash	-$66.41M	-$5.25M	-$9.13M	$1.50M

ISBA Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$18.26M	$19.88M	$20.60M	$20.68M	—
Selling, General & Admin	$8.23M	$8.41M	$8.42M	$8.74M	—
Pretax Income	$6.17M	$6.28M	$6.82M	$5.98M	—
Income Tax	$1.14M	$1.04M	$2.13M	$985.00K	—
Net Income	$5.03M	$5.24M	$4.69M	$4.99M	—
Diluted EPS	0.68	—	0.64	0.68	0.69
Diluted Shares	7.40M	7.38M	7.35M	7.34M	7.34M

ISBA Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$69.18M	$108.55M	$161.30M	$26.04M	$50.10M
Total Assets	$2.10B	$2.16B	$2.26B	$2.21B	$2.25B
Long-Term Debt	$29.45M	$29.47M	$29.49M	$74.51M	$29.54M
Total Debt	$29.45M	$29.47M	$29.49M	$74.51M	$29.54M
Total Liabilities	$1.89B	$1.94B	$2.03B	$1.98B	$2.02B
Retained Earnings	$104.94M	$107.95M	$111.17M	$113.85M	$116.79M
Shareholders' Equity	$215.56M	$220.50M	$227.42M	$231.40M	$233.96M
Net Debt	—	—	—	$48.47M	—

ISBA Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$4.65M	$7.90M	$2.75M	$11.53M	$3.78M
Capital Expenditure	-$984.00K	-$600.00K	-$1.02M	-$878.00K	-$536.00K
Free Cash Flow	$3.66M	$7.30M	$1.73M	$10.65M	$3.24M
Depreciation & Amortisation	$535.00K	$537.00K	$529.00K	$537.00K	$562.00K
Stock-Based Compensation	$174.00K	$48.00K	$56.00K	$63.00K	$172.00K
Investing Cash Flow	$28.16M	-$12.70M	-$42.69M	-$88.65M	-$18.41M
Financing Cash Flow	$11.83M	$44.18M	$92.69M	-$58.13M	$38.70M
Dividends Paid	-$2.03M	-$2.02M	-$2.02M	-$2.01M	-$2.05M
Share Repurchases	-$1.15M	-$1.50M	-$609.00K	-$1.45M	-$402.00K
Net Change in Cash	$44.64M	$39.38M	$52.75M	-$135.26M	$24.06M

Market Snapshot

About

Isabella Bank Corporation is the holding company for Isabella Bank, a community bank serving central Michigan. Founded in 1903, the bank provides a full range of commercial and retail banking services to individuals, businesses, and municipalities across mid-Michigan. Isabella Bank operates through multiple branch locations and offers deposit products, commercial and consumer lending, mortgage banking, and wealth management services. The bank emphasizes its community banking heritage and local decision-making. Isabella Bank maintains strong relationships with local businesses and agricultural customers in its markets.