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ISABELLA BANK CORP

ISBA

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Financial Statements

Values in Millions ($)
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
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Subscriber-only column
Assets
Cash And Due From Banks
-2423323429232723232649
Cash And Cash Equivalents…
Cash And Cash Equivalents At Carrying Value
425026161109692527242534116
Interest Bearing Deposits In Banks
-26312974402012867
Available For Sale Securities Debt Securities
439493498512501513489507506518528517
Loans Receivable Held For Sale Amount
000100011000
Loans And Leases Receivab…
Loans And Leases Receivable Net Reported Amount
-------1,4121,3691,3521,3361,322
Loans And Leases Receivable Gross Carrying Amount
-------1,4241,3821,3661,3491,335
Financing Receivable Excluding Accrued Interest Be…
-1,5591,5361,4321,3981,3681,424---1,349-
Loans And Leases Receivable Allowance
----------13-
Financing Receivable Allowance For Credit Loss Exc…
--14141313-131313131313-
Financing Receivable Allowance For Credit Losses
-------131313-13
Financing Receivable Excluding Accrued Interest Af…
-1,5451,5231,4191,3851,3551,411---1,336-
Federal Home Loan Bank Stock
666666131313-13-
Property Plant And Equipment Net
292929292828282828282827
Bank Owned Life Insurance
474646464646353534343434
Intangible Assets Net Including Goodwill
484848484848484848484848
Interest Receivable And Other Assets
343534393537383738363839
Assets
2,2202,2522,2092,2602,1562,1032,0862,1072,0602,0582,0592,118
Liabilities And Stockhold…
Noninterest Bearing Deposit Liabilities
414411426421493404416421412413429445
Interest Bearing Domestic Deposit Demand
252264266249223244238377338349321-
Deposits Negotiable Order Of Withdrawal N O W
----------321364
Deposits
Deposits
1,8101,8601,8201,9261,8491,7981,7471,7821,7221,7681,7241,769
Time Deposits At Or Above F D I C Insurance Limit
---------124117107
Interest Bearing Deposit Liabilities
--1,393---1,331-----
Deposits Money Market Deposits
453478-558447473------
Deposits Savings Deposits
301301280293290286282600603-628-
Time Deposits
389406410405396390388384368-346-
Debt Instruments
Liabilities
Liabilities
1,9712,0181,9782,0321,9361,8871,8761,8941,8581,8571,8571,933
Federal Funds Purchased And Securities Sold Under …
11611468624347545244434752
Federal Home Loan Bank Advances Long Term
--45---30154504065
Debt Longterm And Shortte…
Debt Longterm And Shortterm Combined Amount
--1439273771139711972116147
Advances From Federal Home Loan Banks
00-000------
Subordinated Debt
303030292929292929292929
Accrued Liabilities And Other Liabilities
151516151412161517-17-
Common Stock Value
135123123124125126126125126127127128
Stockholders Equity
Stockholders Equity
249234231227221216210213202201202185
Retained Earnings Accumulated Deficit
120117114111108105103101100989796
Accumulated Other Comprehensive Income Loss Net Of…
-9-9-8-10-14-17-21-17-28-28-26-42
Liabilities And Stockholders Equity
2,2202,2522,2092,2602,1562,1032,0862,1072,0602,0582,0592,118
Common Stock Shares Authorized
151515151515151515151515
Common Stock Shares Issued
8777--7--777
Deferred Compensation Arrangement With Individual …
---------000
Shares Outstanding
877777777---

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Earnings Market Reaction

Fiscal Year
Q1 1 Month
Q1 2 Month
Q1 3 Month
Q2 1 Month
Q2 2 Month
Q2 3 Month
Q3 1 Month
Q3 2 Month
Q3 3 Month
Q4 1 Month
Q4 2 Month
Q4 3 Month
2026-0.12%-0.97%-9.21%---------
20254.13%21.84%23.33%-0.50%9.95%11.67%14.93%25.79%20.49%4.93%-6.32%-6.80%
20240.71%1.53%7.02%-0.76%14.81%11.71%7.81%14.02%13.19%-6.19%16.72%19.95%
2023-------6.54%1.82%2.34%3.61%-2.00%-1.73%

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Performance and Valuation Metrics

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Metrics
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
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Leverage & Debt
Interest Coverage TTM
-0.71
-0.69
-0.70
-0.70
-0.36
0.06
0.63
1.43
1.54
1.69
1.97
2.49
Efficiency & Turnover
Days Sales Outstanding TTM
-
-
-
-
-
-
-
6,871.92
8,516.26
10,845.58
11,037.67
11,716.62
Receivables Turnover TTM
-
-
-
-
-
-
-
0.05
0.04
0.03
0.03
0.03
Per Share Metrics
Diluted EPS TTM
2.72
2.72
2.56
2.47
2.20
1.98
1.86
1.83
1.98
2.13
2.40
2.73
Free Cash Flow Per Share TTM
3.14
3.13
3.17
2.62
2.80
2.50
2.34
2.02
3.67
4.73
5.23
5.42
Dividend Per Share TTM
1.10
1.11
1.10
1.10
1.10
1.09
1.09
1.10
1.65
1.92
1.92
1.92
Margin Metrics
Gross Profit Margin TTM
66.85%
65.87%
65.13%
64.28%
63.54%
62.61%
54.30%
54.58%
47.43%
39.48%
49.37%
59.98%
Operating Profit Margin TTM
24.87%
25.62%
25.12%
23.56%
21.32%
19.31%
21.95%
22.19%
30.55%
43.42%
50.97%
62.94%
Net Profit Margin TTM
19.67%
20.25%
19.69%
19.39%
17.60%
16.12%
18.59%
18.87%
25.72%
36.38%
42.41%
52.11%
Growth Metrics
Net Revenue Growth (1Y)
9.87%
8.00%
28.55%
29.38%
60.26%
107.72%
74.41%
82.89%
77.34%
74.63%
104.63%
119.80%
Net Income Growth (1Y)
22.80%
35.67%
36.15%
33.00%
9.64%
-7.95%
-23.55%
-33.79%
-33.09%
-30.00%
-18.31%
-0.12%
EPS Growth (1Y)
23.67%
37.41%
37.87%
34.74%
11.03%
-7.04%
-23.07%
-33.43%
-32.90%
-29.41%
-17.89%
0.69%
Valuation Metrics
P/E TTM
14.51
16.65
19.23
13.98
13.33
11.49
13.32
10.88
8.53
8.33
8.02
6.79
P/B TTM
1.16
1.42
1.57
1.12
0.98
0.78
0.88
0.70
0.63
0.66
0.72
0.76
P/S TTM
2.85
3.37
3.79
2.71
2.35
1.85
2.48
2.05
2.20
3.03
3.40
3.54
Market Cap
289.57M
332.22M
363.73M
254.57M
216.77M
168.93M
184.99M
149.06M
126.54M
133.08M
145.71M
140.39M
Enterprise Value
247.80M
282.11M
337.69M
93.27M
108.21M
99.75M
160.44M
121.68M
102.98M
107.87M
112.04M
24.51M
Calculated Values
Free Cash Flow TTM
23.03M
22.92M
23.34M
19.30M
20.64M
18.58M
17.44M
15.06M
27.44M
35.44M
39.26M
40.61M
Net Debt
-41.77M
-50.11M
-26.04M
-161.30M
-108.55M
-69.18M
-24.54M
-27.38M
-23.56M
-25.22M
-33.67M
-115.88M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-16Purchase
Owner: Bourland, Jill
Title: -
Shares: 7
Price/Share: $41.43
Value: $299.95
Shares Owned: 5,877
Relationship: Director
Ownership: Direct
2026-05-18Purchase
Owner: Bourland, Jill
Title: -
Shares: 7
Price/Share: $41.05
Value: $300.08
Shares Owned: 5,861
Relationship: Director
Ownership: Direct
2026-04-16Purchase
Owner: Bourland, Jill
Title: -
Shares: 6
Price/Share: $48.90
Value: $300.25
Shares Owned: 5,853
Relationship: Director
Ownership: Direct
2026-03-16Purchase
Owner: Bourland, Jill
Title: -
Shares: 7
Price/Share: $44.03
Value: $299.84
Shares Owned: 5,840
Relationship: Director
Ownership: Direct
2026-03-02Purchase
Owner: Catlin, Jon D
Title: Chief Credit Officer
Shares: 103
Price/Share: $31.47
Value: $3,241.41
Shares Owned: 1,285
Relationship: Officer
Ownership: Direct

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Institutional Ownership

No data available for chart
2026-03-31
13.62%
Inst. Shares: 997,530
Shares Outstanding: 7,325,789
2025-12-31
10.16%
Inst. Shares: 749,248
Shares Outstanding: 7,372,434
2025-09-30
7.01%
Inst. Shares: 515,607
Shares Outstanding: 7,357,977
2025-06-30
3.89%
Inst. Shares: 287,410
Shares Outstanding: 7,383,338
2025-03-31
0.01%
Inst. Shares: 500
Shares Outstanding: 7,419,739

ISABELLA 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. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), ISABELLA BANK CORP reported a 9.87% year-over-year revenue growth, a Gross Profit Margin of 66.85% (TTM), a Price-to-Sales (P/S) ratio of 2.85x (TTM), a Price-to-Book (P/B) ratio of 1.16x (TTM), at a market cap of $289.57M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y
9.87%
Gross Profit Margin TTM
66.85%
P/S TTM
2.85x
P/B TTM
1.16x
Market Cap
$289.57M

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 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 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.

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Main Street's price.