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Stocks · Financials · State Commercial Banks

ISABELLA BANK CORP

ISBA Clue Score59
United States Fiscal year ends December CIK 0000842517
$37.29 -3.04% Close, 9 Oct 2026
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Price $37.29 +40.72% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue5.2Net income13.8EPS, diluted1.73Fiscal year 2017Revenue5.4 +3.9%Net income13.2 −4.1%EPS, diluted1.65 −4.6%Fiscal year 2018Revenue5.7 +5.0%Net income14.0 +5.9%EPS, diluted1.74 +5.5%Fiscal year 2019Net income13.0 −7.1%EPS, diluted1.61 −7.5%Fiscal year 2020Net income10.9 −16.4%EPS, diluted1.34 −16.8%Fiscal year 2021Net income19.5 +79.1%EPS, diluted2.45 +82.8%Fiscal year 2022Net income22.2 +14.0%EPS, diluted2.91 +18.8%Fiscal year 2023Net income18.2 −18.3%EPS, diluted2.40 −17.5%Fiscal year 2024Net income13.9 −23.5%EPS, diluted1.86 −22.5%Fiscal year 2025Net income18.9 +36.2%EPS, diluted2.56 +37.6%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 5.2 5.4 5.7 n/a n/a n/a n/a n/a n/a n/a
Growth +3.9% +5.0%
Net income 13.8 13.2 14.0 13.0 10.9 19.5 22.2 18.2 13.9 18.9
Growth −4.1% +5.9% −7.1% −16.4% +79.1% +14.0% −18.3% −23.5% +36.2%
EPS, diluted 1.73 1.65 1.74 1.61 1.34 2.45 2.91 2.40 1.86 2.56
Growth −4.6% +5.5% −7.5% −16.8% +82.8% +18.8% −17.5% −22.5% +37.6%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin266.1%Free cash flow margin317.0%Fiscal year 2017Net margin245.8%Free cash flow margin327.4%Fiscal year 2018Net margin247.9%Free cash flow margin347.6%Fiscal year 2019Fiscal year 2020Fiscal year 2021Fiscal year 2022Fiscal year 2023Fiscal year 2024Fiscal year 2025
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 266.1% 245.8% 247.9% n/a n/a n/a n/a n/a n/a n/a
Free cash flow margin 317.0% 327.4% 347.6% n/a n/a n/a n/a n/a n/a n/a

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow20.2Capital expenditure−3.8Free cash flow16.4Dividends paid−7.6Fiscal year 2017Operating cash flow19.7Capital expenditure−2.0Free cash flow17.6 +7.3%Dividends paid−8.0Fiscal year 2018Operating cash flow22.0Capital expenditure−2.3Free cash flow19.7 +11.5%Dividends paid−8.2Fiscal year 2019Operating cash flow23.3Capital expenditure−1.3Free cash flow22.0 +11.8%Dividends paid−8.3Fiscal year 2020Operating cash flow22.0Capital expenditure−1.5Free cash flow20.5 −6.8%Dividends paid−8.5Fiscal year 2021Operating cash flow25.5Capital expenditure−1.6Free cash flow23.9 +16.7%Dividends paid−8.4Fiscal year 2022Operating cash flow26.9Capital expenditure−3.2Free cash flow23.7 −0.9%Dividends paid−8.1Fiscal year 2023Operating cash flow24.2Capital expenditure−4.1Free cash flow20.1 −15.0%Buybacks−3.4Dividends paid−8.2Fiscal year 2024Operating cash flow19.6Capital expenditure−2.1Free cash flow17.5 −12.9%Buybacks−3.1Dividends paid−8.1Fiscal year 2025Operating cash flow26.8Capital expenditure−3.5Free cash flow23.3 +33.1%Buybacks−4.7Dividends paid−8.1
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 20.2 19.7 22.0 23.3 22.0 25.5 26.9 24.2 19.6 26.8
Capital expenditure −3.8 −2.0 −2.3 −1.3 −1.5 −1.6 −3.2 −4.1 −2.1 −3.5
Free cash flow 16.4 17.6 19.7 22.0 20.5 23.9 23.7 20.1 17.5 23.3
Growth +7.3% +11.5% +11.8% −6.8% +16.7% −0.9% −15.0% −12.9% +33.1%
Buybacks n/a n/a n/a n/a n/a n/a n/a −3.4 −3.1 −4.7
Dividends paid −7.6 −8.0 −8.2 −8.3 −8.5 −8.4 −8.1 −8.2 −8.1 −8.1

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash22.9Shareholders’ equity187.9Fiscal year 2017Cash30.8Shareholders’ equity194.9Fiscal year 2018Cash73.5Shareholders’ equity195.5Fiscal year 2019Cash60.6Shareholders’ equity210.2Fiscal year 2020Cash246.6Shareholders’ equity218.6Fiscal year 2021Cash105.3Shareholders’ equity211.0Fiscal year 2022Cash38.9Shareholders’ equity186.2Fiscal year 2023Cash33.7Shareholders’ equity202.4Fiscal year 2024Cash24.5Shareholders’ equity210.3Fiscal year 2025Cash26.0Shareholders’ equity231.4
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 22.9 30.8 73.5 60.6 246.6 105.3 38.9 33.7 24.5 26.0
Shareholders’ equity 187.9 194.9 195.5 210.2 218.6 211.0 186.2 202.4 210.3 231.4

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
311.4% 301.8% 272.0% n/a n/a n/a n/a n/a n/a n/a
266.1% 245.8% 247.9% n/a n/a n/a n/a n/a n/a n/a
317.0% 327.4% 347.6% n/a n/a n/a n/a n/a n/a n/a
Spending
73.4% 37.8% 40.8% n/a n/a n/a n/a n/a n/a n/a
14.5% 18.6% 8.9% 9.6% 8.3% 16.5% 17.2% 16.8% 15.3% 21.6%
Returns
7.3% 6.8% 7.2% 6.2% 5.0% 9.2% 11.9% 9.0% 6.6% 8.2%
0.8% 0.7% 0.8% 0.7% 0.6% 1.0% 1.1% 0.9% 0.7% 0.9%
Balance and payout
89.2% 89.3% 89.4% 88.4% 88.8% 89.6% 90.8% 90.2% 89.9% 89.5%
55.4% 60.4% 58.3% 63.6% 78.3% 42.9% 36.3% 45.2% 58.7% 42.8%
46.5% 45.3% 41.6% 37.7% 41.6% 35.0% 34.1% 57.8% 64.0% 54.8%