Isabella Bank Corporation (ISBA)

Isabella Bank Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	64.9	62.54	55.84	57.94	60.48	52.7
Net Interest Income Growth	13.63%	12.02%	-3.64%	-4.20%	14.76%	4.68%
Non-Interest Income	16.8	15.97	14.58	13.83	13.67	13.82
Non-Interest Income Growth	14.78%	9.54%	5.42%	1.18%	-1.13%	-4.17%
Revenues Before Loan Losses	81.7	78.51	70.41	71.77	74.15	66.52
Provision for Credit Losses	0.15	-0.56	1.88	0.63	0.48	-0.52
Revenue	81.55	79.07	68.53	71.14	73.66	67.04
Revenue Growth (YoY)	15.89%	15.39%	-3.68%	-3.42%	9.88%	6.24%
Compensation Expenses	30.59	30.04	28.58	25.91	24.89	23.75
Selling, General & Admin	18.64	19.05	17.35	17.52	17.82	9.12
Other Non-Interest Expenses	7.08	5.86	6.2	5.89	4.11	10.82
Total Non-Interest Expense	56.31	54.95	52.13	49.31	46.82	43.69
Pretax Income	25.24	24.12	16.4	21.83	26.84	23.35
Provision for Income Taxes	5.29	5.21	2.51	3.67	4.61	3.85
Net Income	19.95	18.91	13.89	18.17	22.24	19.5
Net Income to Common	19.95	18.91	13.89	18.17	22.24	19.5
Net Income Growth	35.67%	36.15%	-23.55%	-18.31%	14.05%	79.14%
Shares Outstanding (Basic)	7	7	7	8	8	8
Shares Outstanding (Diluted)	7	7	7	8	8	8
Shares Change (YoY)	-1.36%	-1.29%	-1.23%	-0.94%	-4.00%	-1.73%
EPS (Basic)	2.71	2.56	1.86	2.42	2.95	2.48
EPS (Diluted)	2.71	2.56	1.86	2.40	2.91	2.45
EPS Growth	37.56%	37.63%	-22.50%	-17.53%	18.78%	82.84%
Shares Outstanding	7.33	7.32	7.42	7.49	7.56	7.53
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	1.120	1.090	1.080
Dividend Growth	-	-	-	2.75%	0.93%	-
Profit Margin	24.47%	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	20.94%	21.61%	15.30%	16.79%	17.16%	16.48%

Updated Apr 23, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q