NASDAQ · STATE COMMERCIAL BANKS · MID CAP
Isabella Bank Corp. ISBA
17 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY
EPS · FY25
$2.56
Dividend / sh · FY25
$1.12
Payout · FY25
43%
ROE · FY25
8.6%
Net margin · FY25
—
Dividend coverage
2.3×
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Result
—
Revenue, FY2025 · full 17-year series below
Revenue
Net income
Per share
USD 2.56
Diluted EPS, FY2025
EPS
Dividend
Earnings covered the dividend 2.3 times — the rest stayed in the company.
Profitability
8.6%
Return on equity, FY2025
ROE
Operating margin—
Net margin—
Return on assets0.9%
Each USD of equity produced 9 cents of profit this year.
Returned to shareholders
USD 11.5M
returned in FY2025 · dividends + net buybacks
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.
Growth
—
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
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%
Compound annual rates per period — left blank where the series crosses a loss.
Share base
0.01B
Shares outstanding, FY2025
Change, 5 years−8.4%
Change, 10 years−6.1%
The share count shrank 8% in five years — the same company, cut into fewer, larger slices.
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Balance sheet
USD 2.2B
total assets, end of FY2025
Total assetsUSD 2.2B
EquityUSD 231.4M
CashUSD 26.0M
DepositsUSD 1.8B
Equity funds 10% of total assets.
History
17 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
Revenue $B
·
·
·
·
·
·
·
0.0
0.0
0.0
·
·
·
·
·
·
·
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
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 · "·" marks figures not disclosed in the filing for that year.
How we verifyAUDITED
32 of 32
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity
Every figure was compared against the original statement: 0 failures and 0 presentation gaps.
What we don’t show
We’d rather say what’s missing than fill the gap with an estimate.
P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed