ISBA
ISABELLA BANK CORPCompany Information
- Company Name
- ISABELLA BANK CORP
- CIK
- CIK0000842517
- Category
- Accelerated filer<br>Smaller reporting company
- Ticker: Exchange
- ISBA: Nasdaq
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6022
- SIC Description
- State Commercial Banks
- Ticker
- ISBA
SEC filing data through
Insider Sentiment
- Last purchase
- 2026-09-16
- Last sale
- 2025-09-05
- Shares purchased (TTM)
- 2,788.77
- Shares sold (TTM)
- 0
Institutional Sentiment
- As of
- 2026-06-30
- Institutional shares owned
- 1,572,750
- Shares outstanding
- 7,330,929
- Ownership
- 21.45%
Earnings Market Reaction
- Filing date
- 2026-08-10
- Price on filing date
- —
- 1-month reaction
- -0.62%
- 3-month reaction
- …
Balance Sheet
Values in millions ($)| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | ||||||||||||||||||
| Cash And Due From Banks | - | 24 | 23 | 32 | 34 | 29 | 23 | 27 | 23 | 23 | 26 | 49 | ||||||
Cash And Cash Equivalents At Carrying Value | ||||||||||||||||||
| Cash And Cash Equivalents At Carrying Value | 42 | 50 | 26 | 161 | 109 | 69 | 25 | 27 | 24 | 25 | 34 | 116 | ||||||
| Interest Bearing Deposits In Banks | - | 26 | 3 | 129 | 74 | 40 | 2 | 0 | 1 | 2 | 8 | 67 | ||||||
| Available For Sale Securities Debt Securities | 439 | 493 | 498 | 512 | 501 | 513 | 489 | 507 | 506 | 518 | 528 | 517 | ||||||
| Loans Receivable Held For Sale Amount | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | ||||||
Loans And Leases Receivable Net Reported Amount | ||||||||||||||||||
| Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | - | 13 | - | ||||||
| Loans And Leases Receivable Gross Carrying Amount | - | - | - | - | - | - | - | 1,424 | 1,382 | 1,366 | 1,349 | 1,335 | ||||||
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 1,590 | 1,559 | 1,536 | 1,432 | 1,398 | 1,368 | 1,424 | - | - | - | 1,349 | - | ||||||
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | -14 | -14 | 14 | 13 | -13 | -13 | 13 | 13 | 13 | 13 | 13 | - | ||||||
| Financing Receivable Allowance For Credit Losses | - | - | - | - | - | - | - | 13 | 13 | 13 | - | 13 | ||||||
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 1,575 | 1,545 | 1,523 | 1,419 | 1,385 | 1,355 | 1,411 | 1,412 | 1,369 | 1,352 | 1,336 | 1,322 | ||||||
| Federal Home Loan Bank Stock | 6 | 6 | 6 | 6 | 6 | 6 | 13 | 13 | 13 | - | 13 | - | ||||||
| Property Plant And Equipment Net | 29 | 29 | 29 | 29 | 28 | 28 | 28 | 28 | 28 | 28 | 28 | 27 | ||||||
| Bank Owned Life Insurance | 47 | 46 | 46 | 46 | 46 | 46 | 35 | 35 | 34 | 34 | 34 | 34 | ||||||
| Intangible Assets Net Including Goodwill | 48 | 48 | 48 | 48 | 48 | 48 | 48 | 48 | 48 | 48 | 48 | 48 | ||||||
| Interest Receivable And Other Assets | 34 | 35 | 34 | 39 | 35 | 37 | 38 | 37 | 38 | 36 | 38 | 39 | ||||||
| Assets | 2,220 | 2,252 | 2,209 | 2,260 | 2,156 | 2,103 | 2,086 | 2,107 | 2,060 | 2,058 | 2,059 | 2,118 | ||||||
Liabilities And Stockholders Equity | ||||||||||||||||||
| Noninterest Bearing Deposit Liabilities | 414 | 411 | 426 | 421 | 493 | 404 | 416 | 421 | 412 | 413 | 429 | 445 | ||||||
| Interest Bearing Domestic Deposit Demand | 252 | 264 | 266 | 249 | 223 | 244 | 238 | 377 | 338 | 349 | 321 | - | ||||||
| Deposits Negotiable Order Of Withdrawal N O W | - | - | - | - | - | - | - | - | - | - | 321 | 364 | ||||||
Deposits | ||||||||||||||||||
| Deposits | 1,810 | 1,860 | 1,820 | 1,926 | 1,849 | 1,798 | 1,747 | 1,782 | 1,722 | 1,768 | 1,724 | 1,769 | ||||||
| Time Deposits At Or Above F D I C Insurance Limit | - | - | - | - | - | - | - | - | - | 124 | 117 | 107 | ||||||
| Interest Bearing Deposit Liabilities | - | - | 1,393 | - | - | - | 1,331 | - | - | - | - | - | ||||||
| Deposits Money Market Deposits | 453 | 478 | - | 558 | 447 | 473 | - | - | - | - | - | - | ||||||
| Deposits Savings Deposits | 301 | 301 | 280 | 293 | 290 | 286 | 282 | 600 | 603 | - | 628 | - | ||||||
| Time Deposits | 389 | 406 | 410 | 405 | 396 | 390 | 388 | 384 | 368 | - | 346 | - | ||||||
Liabilities | ||||||||||||||||||
| Liabilities | 1,971 | 2,018 | 1,978 | 2,032 | 1,936 | 1,887 | 1,876 | 1,894 | 1,858 | 1,857 | 1,857 | 1,933 | ||||||
Debt Instruments | ||||||||||||||||||
| Federal Funds Purchased And Securities Sold Under Agreements To Repurchase | 116 | 114 | 68 | 62 | 43 | 47 | 54 | 52 | 44 | 43 | 47 | 52 | ||||||
| Federal Home Loan Bank Advances Long Term | - | - | 45 | - | - | - | 30 | 15 | 45 | 0 | 40 | 65 | ||||||
Debt Longterm And Shortterm Combined Amount | ||||||||||||||||||
| Debt Longterm And Shortterm Combined Amount | - | - | 143 | 92 | 73 | 77 | 113 | 97 | 119 | 72 | 116 | 147 | ||||||
| Advances From Federal Home Loan Banks | 0 | 0 | - | 0 | 0 | 0 | - | - | - | - | - | - | ||||||
| Subordinated Debt | 30 | 30 | 30 | 29 | 29 | 29 | 29 | 29 | 29 | 29 | 29 | 29 | ||||||
| Accrued Liabilities And Other Liabilities | 15 | 15 | 16 | 15 | 14 | 12 | 16 | 15 | 17 | - | 17 | - | ||||||
| Common Stock Value | 135 | 123 | 123 | 124 | 125 | 126 | 126 | 125 | 126 | 127 | 127 | 128 | ||||||
Stockholders Equity | ||||||||||||||||||
| Retained Earnings Accumulated Deficit | 120 | 117 | 114 | 111 | 108 | 105 | 103 | 101 | 100 | 98 | 97 | 96 | ||||||
| Stockholders Equity | 249 | 234 | 231 | 227 | 221 | 216 | 210 | 213 | 202 | 201 | 202 | 185 | ||||||
| Accumulated Other Comprehensive Income Loss Net Of Tax | -9 | -9 | -8 | -10 | -14 | -17 | -21 | -17 | -28 | -28 | -26 | -42 | ||||||
| Liabilities And Stockholders Equity | 2,220 | 2,252 | 2,209 | 2,260 | 2,156 | 2,103 | 2,086 | 2,107 | 2,060 | 2,058 | 2,059 | 2,118 | ||||||
| Available For Sale Debt Securities Amortized Cost Basis | 450 | - | - | - | - | - | - | - | - | - | - | - | ||||||
| Common Stock Shares Authorized | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | ||||||
| Common Stock Shares Issued | 8 | 7 | 7 | 7 | - | - | 7 | - | - | 7 | 7 | 7 | ||||||
| Deferred Compensation Arrangement With Individual Common Stock Reserved For Future Issuance | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | ||||||
| Shares Outstanding | 8 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | - | - | - | ||||||
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Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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Start 7-day free trialISABELLA BANK CORP (ISBA) — SEC Financial Statements & Analysis
ISABELLA BANK CORP (ISBA) is a state commercial banks company, incorporated in MI. ISABELLA BANK CORP trades on Nasdaq as: ISBA. ISABELLA BANK CORP (ISBA)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-10. Based on that filing, ISABELLA BANK CORP carries a market cap of $289.57M, a P/E ratio of 14.51x, a P/B ratio of 1.16x, a P/S ratio of 2.85x, an enterprise value of $247.80M, and an EV/EBITDA multiple of -5.42x. On profitability, it posts a gross margin of 66.85%, an operating margin of 24.87%, a net margin of 19.67%, a Return on Equity (ROE) of 8.51%, and a Return on Invested Capital (ROIC) of -29.68%. Per share, it reports EPS of $2.72, diluted EPS of $2.72, free cash flow per share of $3.14, and a dividend per share of $1.10. Over the trailing year, it posted revenue growth of 9.87% year-over-year, net income growth of 22.80% year-over-year, and EPS growth of 23.67% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -0.71x, free cash flow of $23.03M (TTM), and net debt of $-41.77M. Figures sourced from SEC EDGAR.
- Market Cap
- $289.57M
- P/E TTM
- 14.51x
- EPS TTM
- $2.72
- P/B TTM
- 1.16x
- ROE TTM
- 8.51%
- Free Cash Flow TTM
- $23.03M
- Net Revenue TTM Growth 1Y
- 9.87%
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is ISABELLA BANK CORP in?
ISABELLA BANK CORP (ISBA) operates in the State Commercial Banks industry.
What exchange does ISBA trade on?
ISABELLA BANK CORP (ISBA) trades on the Nasdaq.
Where is ISABELLA BANK CORP incorporated?
ISABELLA BANK CORP is incorporated in MI.
When was ISABELLA BANK CORP (ISBA)'s most recent SEC filing?
ISABELLA BANK CORP (ISBA)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-10.
What is ISBA's market cap?
ISABELLA BANK CORP (ISBA) has a market capitalization of $289.57M as of 2026-06-30.
What is ISBA's P/E ratio?
ISABELLA BANK CORP (ISBA)'s trailing twelve month P/E ratio is 14.51x as of 2026-06-30.
What is ISBA's EPS (earnings per share)?
ISABELLA BANK CORP (ISBA)'s trailing twelve month EPS is $2.72 as of 2026-06-30.
What is ISBA's ROE (return on equity)?
ISABELLA BANK CORP (ISBA)'s trailing twelve month Return on Equity (ROE) is 8.51% as of 2026-06-30.
What is ISBA's ROIC (return on invested capital)?
ISABELLA BANK CORP (ISBA)'s trailing twelve month Return on Invested Capital (ROIC) is -29.68% as of 2026-06-30.
What is ISBA's EV/EBITDA?
ISABELLA BANK CORP (ISBA)'s trailing twelve month EV/EBITDA is -5.42x as of 2026-06-30.