ISABELLA BANK CORP financial data

Symbol
ISBA on Nasdaq
Location
Mt Pleasant, MI
Fiscal year end
31 December
Latest financial report
10-K - Q4 2025 - 13 Mar 2026

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 875% % -3.4%
Return On Equity 8.4% % 26%
Return On Assets 0.87% % 30%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 7,330,036 shares -1.1%
Common Stock, Shares, Outstanding 7,322,207 shares -1.4%
Entity Public Float $217,706,000 USD 64%
Common Stock, Value, Issued $123,204,000 USD -2.4%
Weighted Average Number of Shares Outstanding, Basic 7,372,434 shares -1.2%
Weighted Average Number of Shares Outstanding, Diluted 7,385,862 shares -1.3%

Income Statement

Label TTM Value / Value Unit Change %
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $24,123,000 USD 47%
Income Tax Expense (Benefit) $3,092,000 USD -35%
Net Income (Loss) Attributable to Parent $18,910,000 USD 36%
Earnings Per Share, Basic 2.56 USD/shares 38%
Earnings Per Share, Diluted 2.56 USD/shares 38%

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value $26,041,000 USD 6.1%
Property, Plant and Equipment, Net $29,000,000 USD 4.8%
Goodwill $48,282,000 USD 0%
Assets $2,209,448,000 USD 5.9%
Liabilities $1,978,052,000 USD 5.4%
Accumulated Other Comprehensive Income (Loss), Net of Tax $8,023,000 USD 62%
Retained Earnings (Accumulated Deficit) $113,849,000 USD 11%
Stockholders' Equity Attributable to Parent $231,396,000 USD 10%
Liabilities and Equity $2,209,448,000 USD 5.9%

Popular Metrics

Label TTM Value / Value Unit Change %
Net Cash Provided by (Used in) Operating Activities $4,704,000 USD 37%
Net Cash Provided by (Used in) Financing Activities $11,833,000 USD
Net Cash Provided by (Used in) Investing Activities $28,100,000 USD
Common Stock, Shares Authorized 15,000,000 shares 0%
Common Stock, Shares, Issued 7,322,207 shares -1.4%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect $44,637,000 USD
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $26,041,000 USD 6.1%
Interest Paid, Excluding Capitalized Interest, Operating Activities $7,919,000 USD 0.96%
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent 0.21 pure 0%
Deferred Tax Assets, Gross $8,008,000 USD -31%
Depreciation $535,000 USD 5.7%
Payments to Acquire Property, Plant, and Equipment $984,000 USD 20%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $32,242,000 USD 75%
Property, Plant and Equipment, Gross $80,004,000 USD 4.4%
Amortization of Intangible Assets $0 USD -100%
Interest Expense $32,973,000 USD 108%