Isabella Bank Corporation (ISBA)

Isabella Bank Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 13, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Cap	357	366	193	161	178	192
Market Cap Growth	-	89.72%	19.90%	-9.40%	-7.52%	22.73%
Enterprise Value	473.45	395.62	222.4	190.28	206.89	221.24
Last Close Price	48.70	50.00	25.99	21.50	23.50	25.50
PE Ratio	19.02	19.53	13.97	8.96	8.08	10.41
PS Ratio	4.51	4.63	2.82	2.26	2.41	2.87
PB Ratio	1.54	1.58	0.92	0.80	0.95	0.91
P/TBV Ratio	1.56	1.60	0.93	0.81	0.97	0.96
P/FCF Ratio	15.30	15.69	11.01	8.00	7.50	8.03
P/OCF Ratio	13.31	13.65	9.83	6.66	6.61	7.53
EV/Sales Ratio	5.99	5.00	3.25	2.67	2.81	3.30
EV/EBITDA Ratio	-	127.42	65.07	55.12	50.60	42.34
EV/FCF Ratio	20.29	16.95	12.69	9.46	8.74	9.25
Debt / Equity Ratio	0.13	0.13	0.14	0.14	0.16	0.14
Debt / EBITDA Ratio	9.51	9.51	8.61	8.50	7.15	5.58
Debt / FCF Ratio	1.26	1.26	1.68	1.46	1.24	1.22
Net Debt / Equity Ratio	0.13	0.13	0.14	0.14	0.16	0.14
Net Debt / EBITDA Ratio	9.51	9.51	8.61	8.50	7.15	5.58
Net Debt / FCF Ratio	1.26	1.26	1.68	1.46	1.24	1.22
Asset Turnover	0.04	0.04	0.03	0.03	0.04	0.03
Return on Equity (ROE)	8.56%	8.56%	6.73%	9.35%	11.20%	9.08%
Earnings Yield	5.30%	5.12%	7.16%	11.16%	12.38%	9.61%
FCF Yield	6.54%	6.37%	9.08%	12.50%	13.33%	12.45%
Dividend Yield	2.30%	2.19%	4.20%	5.09%	4.56%	4.18%
Payout Ratio	43.75%	42.76%	58.66%	45.22%	36.34%	42.91%
Buyback Yield / Dilution	1.29%	1.29%	1.23%	0.94%	4.00%	1.73%
Total Shareholder Return	3.59%	3.48%	5.43%	6.03%	8.55%	5.91%

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

SEC Filings: 10-K · 10-Q