Isabella Bank Corporation (ISBA)

Isabella Bank Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	62.54	55.84	57.94	60.48	52.7
Net Interest Income Growth	12.02%	-3.64%	-4.20%	14.76%	4.68%
Non-Interest Income	15.97	14.58	13.83	13.67	13.82
Non-Interest Income Growth	9.54%	5.42%	1.18%	-1.13%	-4.17%
Revenues Before Loan Losses	78.51	70.41	71.77	74.15	66.52
Provision for Credit Losses	-0.56	1.88	0.63	0.48	-0.52
Revenue	79.07	68.53	71.14	73.66	67.04
Revenue Growth (YoY)	15.39%	-3.68%	-3.42%	9.88%	6.24%
Compensation Expenses	30.04	28.58	25.91	24.89	23.75
Selling, General & Admin	19.05	17.35	17.52	17.82	9.12
Other Non-Interest Expenses	5.86	6.2	5.89	4.11	10.82
Total Non-Interest Expense	54.95	52.13	49.31	46.82	43.69
Pretax Income	24.12	16.4	21.83	26.84	23.35
Provision for Income Taxes	5.21	2.51	3.67	4.61	3.85
Net Income	18.91	13.89	18.17	22.24	19.5
Net Income to Common	18.91	13.89	18.17	22.24	19.5
Net Income Growth	36.15%	-23.55%	-18.31%	14.05%	79.14%
Shares Outstanding (Basic)	7	7	8	8	8
Shares Outstanding (Diluted)	7	7	8	8	8
Shares Change (YoY)	-1.29%	-1.23%	-0.94%	-4.00%	-1.73%
EPS (Basic)	2.56	1.86	2.42	2.95	2.48
EPS (Diluted)	2.56	1.86	2.40	2.91	2.45
EPS Growth	37.63%	-22.50%	-17.53%	18.78%	82.84%
Free Cash Flow	23.34	17.53	20.12	23.68	23.91
Free Cash Flow Growth	33.12%	-12.86%	-15.05%	-0.95%	16.74%
Free Cash Flow Per Share	3.16	2.34	2.66	3.10	3.00
Dividends Per Share	1.120	1.120	1.120	1.090	1.080
Dividend Growth	-	-	2.75%	0.93%	-
Profit Margin	23.91%	20.27%	25.54%	30.19%	29.09%
FCF Margin	29.51%	25.58%	28.28%	32.15%	35.66%
EBITDA	3.11	3.42	3.45	4.09	5.23
EBITDA Margin	3.93%	4.99%	4.85%	5.55%	7.79%
Effective Tax Rate	21.61%	15.30%	16.79%	17.16%	16.48%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q