Isabella Bank Corp (ISBA) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Isabella Bank reported revenue of $78.5M, up 11.5% from $70.4M the year before. Net income was $18.9M (a 24.1% net margin), or $2.56 per diluted share. Net interest income was $62.5M, and the efficiency ratio (noninterest expense / revenue) was 70.0%. Operating activities generated $26.8M of cash, leaving $23.3M of free cash flow. At fiscal year end, Isabella Bank held $2.21B in total assets against $1.98B in total liabilities, including $26.0M of cash and equivalents.
Open the full interactive Isabella Bank financials → Quarterly statements, key ratios, valuation history and price charts.
Isabella Bank Key Stats
| Share Price | $36.86 |
|---|---|
| Market Cap | $270.5M |
| P/E Ratio | 14.4 |
| Revenue YoY Growth | +11.5% |
| 52-Week Range | $34.05 – $55.42 |
| Shares Outstanding | 7.3 million (basic, 2026 Q2) |
Isabella Bank Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $50.3M | $52.7M | $60.5M | $57.9M | $55.8M | $62.5M |
| Provision for Credit Losses | $1.7M | -$518,000 | $483,000 | $629,000 | $1.9M | -$563,000 |
| Noninterest Income | $14.4M | $13.8M | $13.7M | $13.8M | $14.6M | $16.0M |
| Noninterest Expense | $51.2M | $43.7M | $46.8M | $49.3M | $52.1M | $55.0M |
| Revenue | $64.8M | $66.5M | $74.1M | $71.8M | $70.4M | $78.5M |
| Pre-Tax Income | $11.9M | $23.3M | $26.8M | $21.8M | $16.4M | $24.1M |
| Income Tax | $987,000 | $3.8M | $4.6M | $3.7M | $2.5M | $5.2M |
| Net Income | $10.9M | $19.5M | $22.2M | $18.2M | $13.9M | $18.9M |
| Diluted EPS | $1.34 | $2.45 | $2.91 | $2.40 | $1.86 | $2.56 |
Isabella Bank Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $20.5M | $21.2M | $21.2M | $22.5M |
| Net Income | $5.2M | $4.7M | $5.0M | $5.0M |
| Diluted EPS | $0.71 | $0.63 | $0.68 | $0.69 |
Isabella Bank Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $246.6M | $105.3M | $38.9M | $33.7M | $24.5M | $26.0M |
| Loans (Net) | $1.23B | $1.29B | $1.25B | $1.34B | $1.41B | $1.52B |
| Total Assets | $1.96B | $2.03B | $2.03B | $2.06B | $2.09B | $2.21B |
| Deposits | $1.57B | $1.71B | $1.74B | $1.72B | $1.75B | $1.82B |
| Total Long-Term Debt | $158.7M | $99.3M | $87.0M | $116.1M | $113.0M | $142.5M |
| Total Liabilities | $1.74B | $1.82B | $1.84B | $1.86B | $1.88B | $1.98B |
| Shareholders' Equity | $218.6M | $211.0M | $186.2M | $202.4M | $210.3M | $231.4M |
Isabella Bank Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $22.0M | $25.5M | $26.9M | $23.7M | $19.6M | $26.8M |
| Cash From Investing | $45.1M | -$229.6M | -$106.3M | -$25.8M | -$37.9M | -$115.9M |
| Cash From Financing | $118.9M | $62.8M | $12.9M | -$3.2M | $9.1M | $90.6M |
| Free Cash Flow | $20.5M | $23.9M | $23.7M | $19.7M | $17.5M | $23.3M |
Figures from Isabella Bank's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Isabella Bank financials page for every line item.
Isabella Bank Company Profile
| Ticker | ISBA |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Mt Pleasant, Michigan |
| Incorporated in | Michigan |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, smaller reporting company |
| SEC CIK | 0000842517 |
Frequently Asked Questions
What was Isabella Bank's revenue in fiscal 2025?
Isabella Bank (ISBA) reported revenue of $78.5M for fiscal 2025.
What is Isabella Bank's annual revenue history?
Isabella Bank's annual revenue by fiscal year: 2020: $64.8M; 2021: $66.5M; 2022: $74.1M; 2023: $71.8M; 2024: $70.4M; 2025: $78.5M.
What was Isabella Bank's net income in fiscal 2025?
Isabella Bank reported net income of $18.9M for fiscal 2025.
What was Isabella Bank's earnings per share (EPS) in fiscal 2025?
Isabella Bank's diluted EPS was $2.56 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Isabella Bank generate in fiscal 2025?
Isabella Bank generated $23.3M of free cash flow in fiscal 2025.
What was Isabella Bank's revenue last quarter?
In its most recent reported quarter (2026 Q2), Isabella Bank reported revenue of $22.5M.
How much debt does Isabella Bank have?
Isabella Bank reported $142.5M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Isabella Bank are outstanding?
Isabella Bank reported a weighted average of 7.3 million basic shares outstanding in 2026 Q2.
What is Isabella Bank's market cap?
Based on its latest closing price, Isabella Bank (ISBA) has a market capitalization of about $270.5M.
When does Isabella Bank's fiscal year end?
Isabella Bank's fiscal year end, as registered with the SEC, is December 31.
Where is Isabella Bank headquartered?
Isabella Bank lists its business address in Mt Pleasant, Michigan in its SEC filings.