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ISBA Financials ISABELLA BANK CORP

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 4.4% per year over the past 5 years.
  • Net income has grown faster than revenue (11.7% vs 4.4% per year).
  • Free cash flow has grown 2.6% per year over the past 5 years.

Financial health

  • Total debt ($143M) exceeds cash ($26M); net debt is $116M.
  • Total debt has grown slower than revenue (-2.1% vs 4.4% per year).

Shareholder returns

  • Dividends have been paid for 15 consecutive years, consuming 42.8% of earnings and 34.6% of free cash flow.
  • The dividend has declined 1.1% per year over the past 5 years.
Revenue & net income
$0 $11M $22M 2011 2013 2015 2017 2019 2021 2023 2025
RevenueNet income
Margins (gross / operating / net)
0% 133% 266% 2011 2013 2015 2017 2019 2021 2023 2025
GrossOperatingNet
Free cash flow (CFO − capex)
$0 $12M $24M 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $172M $345M 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$230M -$55M $119M $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 — $19M — — $23M $143M $26M
2024 — $14M — — $18M $113M $25M
2023 — $18M — — $20M $116M $34M
2022 — $22M — — $24M $87M $39M
2021 — $19M — — $24M $99M $105M
2020 — $11M — — $20M $159M $247M
2019 — $13M — — $22M $276M $61M
2018 $6M $14M 0.0% 0.0% $20M $340M $73M
2017 $5M $13M 0.0% 0.0% $18M $345M $31M
2016 $5M $14M 0.0% 0.0% $16M $338M $23M
2015 — $15M — — $7M $310M $22M
2014 — $14M — — $15M $290M $20M
2013 — $13M — — $21M $279M $42M
2012 — $12M — — $16M $241M $29M
2011 — $10M — — $16M — $29M

Valuation over time

How the market has priced ISBA against its own fundamentals since 2025-05 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 11.1 22.2 May '25 Jul '25 Sep '25 Nov '25 Jan '26 Mar '26 May '26
P/E
Dividend yield (%)
0.0 2.0 4.0 May '25 Jul '25 Sep '25 Nov '25 Jan '26 Mar '26 May '26
Dividend yield %

Frequently asked questions

Is ISBA growing its revenue and profit?

Over the past 5 years, ISABELLA BANK CORP's revenue has grown 4.4% per year, and net income grown 11.7% per year. These are computed facts, not advice.

How much debt does ISBA have?

As of FY2025, ISABELLA BANK CORP reported $143M of total debt against $26M of cash.

What is ISBA's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin —.

What is ISBA's P/E ratio?

As of Jun '26, ISABELLA BANK CORP traded at a price-to-earnings ratio of about 15.5× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.