ISBANasdaqState Commercial BanksFiscal year ends December 31
ISABELLA BANK CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026
$36.27−0.44 (-1.20%)
Close on Oct 19, 2026
- Market cap
- $266.13M
- P/E (TTM)
- 13.3
- Dividend yield
- 3.09%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
24.1%+7.3 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +11.5% | +1.9% | +3.9% | +4.3% | |
| Net income | +36.2% | -5.3% | +11.7% | +2.3% | |
| EPS, diluted | +37.6% | -4.2% | +13.8% | +3.0% | |
| Free cash flow | +33.1% | -0.5% | +2.6% | +12.9% | |
| Dividend per share | 0.0% | +0.9% | +0.7% | +1.8% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 7.4% | 5.1% | 8.6% | |
| Return on assets | 0.8% | 0.6% | 0.9% | |
| Capex to revenue | 73.4% | 2.3% | 4.4% | |
| Diluted shares | 8M | 8M | 7M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Isabella Bank generated $123.02M from operations and spent $66.54M on capital expenditure, dividends and share buybacks. 22% of that went back into the business.
Generated
$123.02M
Used
$66.54M
Capital expenditure$14.45M22%Dividends$40.90M61%Share buybacks$11.20M17%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin24.1%
×Asset turnover0.04×
×Equity multiplier9.73×
=Return on equity, FY20258.6%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 24.1% | 0.04× | 9.73× | 8.6% |
| FY2024 | 19.7% | 0.03× | 10.04× | 6.7% |
| FY2023 | 25.3% | 0.04× | 10.52× | 9.3% |
| FY2022 | 30.0% | 0.04× | 10.23× | 11.2% |
| FY2021 | 29.3% | 0.03× | 9.29× | 9.1% |
| FY2020 | 16.8% | 0.03× | 8.79× | 5.1% |
| FY2019 | 22.7% | 0.03× | 9.01× | 6.4% |
| FY2018 | 247.9% | 0.00× | 9.36× | 7.2% |
| FY2017 | 245.8% | 0.00× | 9.26× | 6.9% |
| FY2016 | 266.1% | 0.00× | 9.14× | 7.4% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
6of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$18.91M
- Cash generatingOperating cash flow above zero$26.82M
- Return on assets improvedROA up on the prior year0.7% → 0.9%
- Earnings backed by cashOperating cash flow above net income$26.82M vs $18.91M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise7M → 7M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.04