Isabella Bank Corp
ISBA Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$38.69
KIRA · Stoqly’s AI analyst, in plain words
- Isabella Bank Corp had $78.5M of revenue in fiscal 2025, up 11.5% on the year before. Over five years, revenue changed +3.9% a year on average.
- Isabella Bank Corp made $18.9M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 4.5% a year.
- Isabella Bank Corp returned $12.8M to shareholders in fiscal 2025, 55% of free cash flow. The diluted share count fell 1.3%.
- It earned 8.6% on shareholders’ money. Running costs took 70.0% of revenue (the efficiency ratio; lower is better).
Market cap
$284M
P/E
14.2x
Revenue
$78.5M
Net income
$18.9M
Return on equity
8.6%
Efficiency ratio
70.0%
Isabella Bank Corp in 30 seconds · fiscal 2025
Are sales growing?
+11.5%
Yes. Sales grew 11.5% last year.
Does it make a profit?
24.1%
Yes. It keeps 24.1% of every sale as profit.
How lean are its costs?
70.0%
Costly. Running costs take 70.0% of revenue.
How much does it earn on its capital?
8.6%
Fair. It earns 8.6% a year on shareholders’ money.
How is the share priced?
14.2x
One share costs 14.2 times its yearly profit per share.
What Isabella Bank Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- ISABELLA BANK CORP
- CIK
- 0000842517
Isabella Bank Corp · ISBA
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $66.5M | $74.1M | $71.8M | $70.4M | $78.5M |
| Revenue growth | 2.7% | 11.5% | −3.2% | −1.9% | 11.5% |
| Net interest income | $52.7M | $60.5M | $57.9M | $55.8M | $62.5M |
| Net income | $19.5M | $22.2M | $18.2M | $13.9M | $18.9M |
| Net margin | 29.3% | 30.0% | 25.3% | 19.7% | 24.1% |
| Diluted EPS | $2.45 | $2.91 | $2.40 | $1.86 | $2.56 |
| Cash | |||||
| Cash from operations | $25.5M | $26.9M | $24.2M | $19.6M | $26.8M |
| Capital expenditure | $1.6M | $3.2M | $4.1M | $2.1M | $3.5M |
| Free cash flow | $23.9M | $23.7M | $20.1M | $17.5M | $23.3M |
| FCF margin | 35.9% | 31.9% | 28.0% | 24.9% | 29.7% |
| Dividends paid | $8.4M | $8.1M | $8.2M | $8.1M | $8.1M |
| Share buybacks | — | — | $3.4M | $3.1M | $4.7M |
| Share count change | −1.7% | −4.0% | −0.9% | −1.2% | −1.3% |
| Debt and strength | |||||
| Cash and short-term investments | $105M | $38.9M | $33.7M | $24.5M | $26.0M |
| Loans, net | $1.3B | $1.3B | $1.3B | $1.4B | $1.5B |
| Deposits | $1.7B | $1.7B | $1.7B | $1.7B | $1.8B |
| Shareholders' equity | $211M | $186M | $202M | $210M | $231M |
| Returns and quality | |||||
| Return on equity | 9.1% | 11.2% | 9.3% | 6.7% | 8.6% |
| Return on tangible equity | 12.0% | 16.1% | 11.8% | 8.6% | 10.3% |
| Efficiency ratio | 65.7% | 63.1% | 68.7% | 74.0% | 70.0% |
Insiders bought, 12 months
$0.1M
10 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Isabella Bank Corp · ISBA
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $38.69 a share, the company is worth $284M: 14.2 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000842517). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.