MARKETS / NASDAQ / Financials / Banks / ISBA

NASDAQ · STATE COMMERCIAL BANKS · MID CAP

Isabella Bank Corp. ISBA

17 fiscal years on record · USD · FY2025 reported · SEC filings only

Net income

$18.9M

▲ 36.2% YoY

Free cash flow

$23.3M

▲ 33.1% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Growth

Revenue, FY2025 · full 17-year series below

Compound annual growth

Net income

−5.3%

+11.7%

+2.3%

+5.0%

EPS, diluted

−4.2%

+13.8%

+3.0%

+5.4%

Dividend / share

+0.9%

+0.7%

+1.8%

+3.0%

Returned to shareholders

+12.4%

+6.1%

+4.7%

+5.1%

3 yrs

5 yrs

10 yrs

15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

ROE

FY2025 · ROE 8.6%

5%10%

200920172025

Three returns, three denominators.

Return on equity8.6%

Return on assets0.9%

Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Gross margin·

Operating margin·

Net margin·

EBITDAUSD 26.3M

Each USD of equity produced 9 cents of profit this year.

Cash & shareholders

USD 11.5M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 23.3

10M20M

200920172025

Net buybacks $M Dividends $M

FY2025 · Dividends 8.1 · Net buybacks 3.4

5M10MDividendsNet buybacks

200920112013201520172019202120232025

Dividends paidUSD 8.1M

Net buybacksUSD 3.4M

Share of profit60.6%

Consecutive raises·

USD 8.1M in dividends and USD 3.4M in buybacks — 61% of the year's profit went back to shareholders.

Total assetsUSD 2.2B

EquityUSD 231.4M

CashUSD 26.0M

DepositsUSD 1.8B

Equity funds 10% of total assets.

The 17-year record

17 fiscal years

Every figure from documents filed with the SEC · USD

row low → row highnegative—not applicable◌not available in our data

ISBA, 17-year financial record
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue $B	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
Operating income $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	◌	◌	◌
EBITDA $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	◌	◌	◌
Income tax $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	◌	◌
Net income $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Free cash flow $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
EPS, diluted $	2.56	1.86	2.40	2.91	2.45	1.34	1.61	1.74	1.65	1.73	1.90	1.74	1.59	1.56	1.31	1.17	1.01
Dividend / sh $	1.12	1.12	1.12	1.09	1.08	1.08	1.05	1.04	1.02	0.98	0.94	0.89	0.84	0.80	0.76	0.72	0.70
Payout %	43	59	45	36	43	78	64	58	60	55	48	50	52	50	57	60	67
ROE %	8.6	6.7	9.3	11.2	9.1	5.1	6.4	7.2	6.9	7.4	8.4	8.2	7.7	7.6	6.8	6.3	5.5
Shares out B	0.01	0.01	◌	◌	◌	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	◌

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

Other companies filing in the same sector

UNH · BRK-A · BRK-B · CI · ELV · CNC

Provenance

Company facts, as filed

How we verify · 0 failures in 49 reconciliationsAUDITED

Reconciled in 17 of the 17 fiscal years we could check. Three checks were skipped: the share count is not tagged before 2010. Three checks were skipped: the balance sheet is not tagged before 2010.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures

ActivityState Commercial Banks

Listed onNASDAQ

Incorporated inMichigan

Fiscal year endsDecember 31

SEC categorysmaller reporting company

Data on record since2009