Isabella Bank (ISBA) financial statements
Isabella Bank reported revenue of $79M in fiscal 2025, up 35.2% a year over 9 years.
Net income was $19M.
Free cash flow was $23M, and the company returned $8M in dividends and $5M in net buybacks.
The diluted share count fell 8% over the period (buybacks).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from Isabella Bank's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $5M | $5M | $6M | $57M | $65M | $67M | $74M | $72M | $70M | $79M |
| Interest expense | $11M | $12M | $16M | $18M | $14M | $7M | $5M | $22M | — | — |
| Pre-tax income | $16M | $16M | $15M | $14M | $12M | $23M | $27M | $22M | $16M | $24M |
| Income tax | $2M | $3M | $1M | $1M | $987,000 | $4M | $5M | $4M | $3M | $5M |
| Net income | $14M | $13M | $14M | $13M | $11M | $19M | $22M | $18M | $14M | $19M |
| EPS (diluted) | $1.73 | $1.65 | $1.74 | $1.61 | $1.34 | $2.45 | $2.91 | $2.40 | $1.86 | $2.56 |
| Diluted shares | 8M | 8M | 8M | 8M | 8M | 8M | 8M | 8M | 7M | 7M |
| Net margin | 266.1% | 245.8% | 247.9% | 22.7% | 16.8% | 29.3% | 30.0% | 25.3% | 19.7% | 24.1% |
Balance sheet
Fiscal years, from Isabella Bank's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | $23M | $31M | $73M | $61M | $247M | $105M | $39M | $34M | $25M | $26M |
| Property, plant and equipment | $29M | $28M | $28M | $26M | $25M | $24M | $26M | $28M | $28M | $29M |
| Goodwill | $48M | $48M | $48M | $48M | $48M | $48M | $48M | $48M | $48M | $48M |
| Total assets | $1.7B | $1.8B | $1.8B | $1.8B | $2.0B | $2.0B | $2.0B | $2.1B | $2.1B | $2.2B |
| Total liabilities | $1.5B | $1.6B | $1.6B | $1.6B | $1.7B | $1.8B | $1.8B | $1.9B | $1.9B | $2.0B |
| Shareholders' equity | $188M | $195M | $196M | $210M | $219M | $211M | $186M | $202M | $210M | $231M |
| Net debt | -$23M | -$31M | -$73M | -$61M | -$247M | -$105M | -$39M | -$34M | -$25M | -$26M |
Cash flow
Fiscal years, from Isabella Bank's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $20M | $20M | $22M | $23M | $22M | $26M | $27M | $24M | $20M | $27M |
| Capital spending | $4M | $2M | $2M | $1M | $2M | $2M | $3M | $4M | $2M | $3M |
| Free cash flow | $16M | $18M | $20M | $22M | $20M | $24M | $24M | $20M | $18M | $23M |
| Stock-based compensation | $573,000 | $640,000 | $612,000 | $523,000 | — | — | $610,000 | $782,000 | $476,000 | $341,000 |
| Dividends paid | $8M | $8M | $8M | $8M | $9M | $8M | $8M | $8M | $8M | $8M |
| Share buybacks (net) | — | — | — | — | — | — | — | -$3M | -$3M | -$5M |
| Free cash flow margin | 317.0% | 327.4% | 347.6% | 38.2% | 31.6% | 35.9% | 31.9% | 28.0% | 24.9% | 29.7% |
| Dividends per share | $0.96 | $0.99 | $1.01 | $1.02 | $1.05 | $1.05 | $1.06 | $1.08 | $1.09 | $1.09 |
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Open ISBA in InvestinglyQuestions
What was Isabella Bank's revenue in 2025?
$79M in fiscal 2025, from its 10-K filing.
How much free cash flow does Isabella Bank generate?
$23M in fiscal 2025 (operating cash flow minus capital spending).
From Isabella Bank's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.