Stocktoria
ISABELLA BANK CORP ISBA
Nasdaq · stock · State Commercial Banks · website · IPO 2019-03-29
ISABELLA BANK CORP financials (annual)
Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | $5.7M | $5.4M | $5.2M |
| Interest expense | — | — | $21.7M | $5.3M | $7.4M | $13.8M | $17.9M | $15.6M | $12.5M | $10.9M |
| Income tax | $5.2M | $2.5M | $3.7M | $4.6M | $3.8M | $987,000 | $1.4M | $1.4M | $3.0M | $2.3M |
| Net income | $18.9M | $13.9M | $18.2M | $22.2M | $19.5M | $10.9M | $13.0M | $14.0M | $13.2M | $13.8M |
| EPS (diluted) | $2.56 | $1.86 | $2.40 | $2.91 | $2.45 | $1.34 | $1.61 | $1.74 | $1.65 | $1.73 |
| Operating cash flow | $26.8M | $19.6M | $24.2M | $26.9M | $25.5M | $22.0M | $23.3M | $22.0M | $19.7M | $20.2M |
| Free cash flow | $23.3M | $17.5M | $20.1M | $23.7M | $23.9M | $20.5M | $22.0M | $19.7M | $17.6M | $16.4M |
| Cash & equivalents | $26.0M | $24.5M | $33.7M | $38.9M | $105.3M | $246.6M | $60.6M | $73.5M | $30.8M | $22.9M |
| Total assets | $2.2B | $2.1B | $2.1B | $2.0B | $2.0B | $2.0B | $1.8B | $1.8B | $1.8B | $1.7B |
| Total liabilities | $2.0B | $1.9B | $1.9B | $1.8B | $1.8B | $1.7B | $1.6B | $1.6B | $1.6B | $1.5B |
| Shareholders' equity | $231.4M | $210.3M | $202.4M | $186.2M | $211.0M | $218.6M | $210.2M | $195.5M | $194.9M | $187.9M |
Growth · year-over-year · Revenue CAGR 4.4%
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth | — | — | — | — | — | — | — | +5.0% | +3.9% | — |
| Net income growth | +36.2% | -23.5% | -18.3% | +14.0% | +79.1% | -16.4% | -7.1% | +5.9% | -4.1% | -8.8% |
| EPS growth | +37.6% | -22.5% | -17.5% | +18.8% | +82.8% | -16.8% | -7.5% | +5.5% | -4.6% | -8.9% |
| Free cash flow growth | +33.1% | -12.9% | -15.0% | -0.9% | +16.7% | -6.8% | +11.8% | +11.5% | +7.3% | +136.0% |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.