Isabella Bank Corporation (ISBA)

Isabella Bank Cash Flow 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 Income	18.91	13.89	18.17	22.24	19.5
Depreciation & Amortization	3.11	3.42	3.45	4.09	5.23
Provision for Credit Losses	-0.56	1.88	0.63	0.48	-0.52
Stock-Based Compensation	0.34	0.48	0.78	0.61	0.52
Net Change in Loans Held-for-Sale	-0.18	-0.24	0.38	1.36	1.01
Other Adjustments	-1.57	-1.3	0.04	-1.34	-1.58
Changes in Accrued Interest and Accounts Receivable	-	-	-	-2.82	1.21
Changes in Accounts Payable	-	-	-	-	0.15
Changes in Other Operating Activities	6.77	1.51	0.74	2.27	-
Operating Cash Flow	26.82	19.64	24.18	26.89	25.5
Operating Cash Flow Growth	36.56%	-18.80%	-10.06%	5.43%	15.93%
Net Change in Loans Held-for-Investment	-112.35	-76.86	-85.78	36.67	-63.21
Net Change in Securities and Investments	14.02	43.13	64.22	-139.63	-161.98
Capital Expenditures	-3.48	-2.11	-4.06	-3.21	-1.59
Other Investing Activities	-14.07	-2.02	-0.62	-0.05	-2.86
Investing Cash Flow	-115.88	-37.87	-26.25	-106.2	-229.64
Net Change in Deposits	72.59	23.37	-20.58	33.94	144.02
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-	-	-	-	-18.59
Net Short-Term Debt Issued (Repaid)	15	-10	40	-20	-70
Long-Term Debt Issued	-	-	-	-	29.11
Net Long-Term Debt Issued (Repaid)	14.43	6.77	-10.97	7.61	29.11
Issuance of Common Stock	1.33	1.52	1.62	1.76	1.59
Repurchase of Common Stock	-4.71	-4.41	-5.04	-2.31	-14.95
Net Common Stock Issued (Repurchased)	-3.38	-2.89	-3.42	-0.55	-13.35
Common Dividends Paid	-8.09	-8.15	-8.22	-8.08	-8.37
Financing Cash Flow	90.56	9.1	-3.19	12.91	62.82
Net Cash Flow	1.5	-9.13	-5.25	-66.41	-141.31
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%
FCF Margin	29.51%	25.58%	28.28%	32.15%	35.66%
Free Cash Flow Per Share	3.16	2.34	2.66	3.10	3.00
Levered Free Cash Flow	54.74	13.48	47.32	10.18	-16.41
Unlevered Free Cash Flow	6.4	2.82	0.12	0.33	4.99

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

SEC Filings: 10-K · 10-Q