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ISABELLA BANK CORP

ISBA

$39.87 ▼ -0.98 (-2.40%) at close

18 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

ISABELLA BANK CORP shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $293.9M

Dividend Yield 2.81%

Revenue Growth 11.5% ↗

Op. Margin 30.7% ↗

ROIC None

FCF / Share None

Trailing P/E 15.6x

Price / Book 1.3x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$78.51M

↑ +11.5% —

Net Income Profit after all expenses

$18.91M

↑ +36.2% —

Operating Margin Operating profit as % of sales

30.7%

↑ +31.9% 87th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.12 Latest / share

+0.0% YoY

+2.1% 12-yr CAGR

$0.89

FY 2014

$0.94

FY 2015

$0.98

FY 2016

$1.02

FY 2017

$1.04

FY 2018

$1.05

FY 2019

$1.08

FY 2020

$1.08

FY 2021

$1.09

FY 2022

$1.12

FY 2023

$1.12

FY 2024

$1.12

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	11.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+92%)	-1.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-132%)	-3.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-153%)	11.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+91%)	2.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-55%)	12.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+111%)	-2.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-149%)	4.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-27%)	5.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-13%)	4.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-29%)	2.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-61%)	-5.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-185%)	-2.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-139%)	9.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+53%)	1.2% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-79%)	1.8% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-69%)	—	—
EPS Growth YoY (%)	37.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-23.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-18.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	19.0% Good → Good Stable Year-over-year change in earnings per share Optimal: > 10%	81.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-17.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-7.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	5.3% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-4.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-9.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	10.2% Fair → Fair Stable Year-over-year change in earnings per share Optimal: > 10%	8.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	1.2% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	19.3% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	12.5% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	15.4% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	36.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-23.5% Weak ↓ Weak Declining Year-over-year change in net income	-18.3% Weak ↓ Weak Declining Year-over-year change in net income	14.0% Fair ↓ Fair Declining Year-over-year change in net income	79.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-16.4% Weak ↓ Weak Declining Year-over-year change in net income	-7.1% Weak ↓ Weak Declining Year-over-year change in net income	5.9% Fair ↑ Fair Improving Year-over-year change in net income	-4.1% Weak ↓ Weak Declining Year-over-year change in net income	-8.8% Weak ↓ Weak Declining Year-over-year change in net income	10.2% Fair → Fair Stable Year-over-year change in net income	9.7% Fair ↓ Fair Declining Year-over-year change in net income	2.5% Caution ↓ Caution Declining Year-over-year change in net income	19.5% Good ↑ Good Improving Year-over-year change in net income	12.9% Fair Fair Year-over-year change in net income	16.0% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	1.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	8.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.0% Caution → Caution Stable Compound annual revenue growth over 3 years	4.5% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.2% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.6% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	4.0% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	0.4% Weak → Weak Stable Compound annual revenue growth over 3 years	-1.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.6% Caution Caution Compound annual revenue growth over 3 years	4.0% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	5.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.6% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	2.6% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	2.2% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	0.8% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	1.5% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	0.9% Weak Weak Compound annual revenue growth over 5 years	0.8% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-4.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-9.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	20.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	21.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	11.7% Good ↑ Good Improving Compound annual EPS growth over 3 years	-6.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-2.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-3.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-1.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	2.8% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	6.6% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	9.4% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	10.7% Good Good Compound annual EPS growth over 3 years	15.7% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	30.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	23.3% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	30.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	36.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	35.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	18.3% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	25.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	26.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	28.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	30.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	35.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	31.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	27.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	—	—	—	—	—
Effective Tax Rate (%) (%)	21.6% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.8% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.2% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.5% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	9.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.6% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.9% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—
Profit Margin (%) (%)	24.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	19.7% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	25.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	30.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	29.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	16.8% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	22.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	23.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	25.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	29.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	27.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	23.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	22.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	18.3% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	16.1% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	8.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	6.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	9.0% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	11.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	9.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	5.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	6.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	7.2% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	6.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	7.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	8.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	7.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	7.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	7.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	6.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	6.2% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	5.5% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-54%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	—	—	—	—	—	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.03x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$10.65	$9.43	$9.55	$9.82	$8.47	$8.14	$7.27	$7.52	$7.23	$6.90	$6.65	$6.53	$6.92	$7.17	$6.59	—	—	—
Basic EPS, GAAP (USD)	$2.56	$1.86	$2.42	$2.95	$2.48	$1.37	$1.65	$1.78	$1.69	$1.77	$1.95	$1.77	$1.63	$1.61	$1.35	$1.20	$1.04	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$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	—
Book Value per Share (USD)	$31.60	$28.32	$26.95	$24.66	$26.87	$27.33	$26.57	$24.84	$24.81	$24.02	$23.59	$22.45	$20.80	$21.44	$20.40	$19.23	—	—
Tangible Book Value per Share (USD)	$25.01	$21.82	$20.52	$18.27	$20.73	$21.30	$20.47	$18.71	$18.66	$17.85	$17.40	$16.59	$14.89	$15.49	$14.38	$19.23	—	—
Basic Weighted Avg Shares (shares)	7.37M	7.47M	7.51M	7.55M	7.85M	7.96M	7.91M	7.87M	7.84M	7.81M	7.78M	7.73M	7.69M	7.60M	7.57M	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$231.40M	$210.28M	$202.40M	$186.21M	$211.05M	$218.59M	$210.18M	$195.52M	$194.91M	$187.90M	$183.97M	$174.59M	$160.61M	$164.49M	$154.78M	$145.16M	$140.80M	$134.48M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$78.51M	$70.41M	$71.77M	$74.15M	$66.52M	$64.77M	$57.48M	$59.21M	$56.73M	$53.91M	$51.70M	$50.50M	$53.23M	$54.51M	$49.92M	$49.31M	$48.42M	—
Depreciation Expense (USD)	$2.14M	$2.09M	$1.98M	$2.07M	$2.31M	$2.62M	$2.91M	$2.94M	$2.90M	$2.82M	$2.68M	$2.55M	$2.56M	$2.42M	$2.52M	$2.52M	$2.35M	—
Net Income, GAAP (USD)	$18.91M	$13.89M	$18.17M	$22.24M	$19.50M	$10.88M	$13.02M	$14.02M	$13.24M	$13.80M	$15.13M	$13.72M	$12.51M	$12.21M	$10.21M	$9.04M	$7.80M	—
Operating Cash Flow (USD)	$26.82M	$19.64M	$23.71M	$26.94M	$25.50M	$22.00M	$23.30M	$21.96M	$19.72M	$19.16M	$12.09M	$17.56M	$22.74M	$19.46M	$18.86M	$26.52M	$18.23M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.8%	2.7%	2.8%	3.0%	2.6%	2.6%	2.7%	2.6%	2.5%	2.5%	2.5%	2.7%	2.9%	3.0%	3.1%	3.3%	—	—
Efficiency Ratio (%) (%)	70.0%	74.0%	68.7%	63.1%	65.7%	79.1%	74.9%	72.4%	70.9%	70.3%	69.7%	69.5%	70.3%	69.1%	69.2%	68.6%	69.6%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

ISABELLA BANK CORP

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