ISBA - NASDAQ

Isabella Bank Corporation

ISBA·NASDAQ

$40.10

-3.7%

Financial ServicesBanks - Regional

Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides various banking products and services to businesses, institutions, and individuals and their families. Its deposit products include checking accounts, savings accounts, certificates of deposit, direct deposits, and money market accounts. The company's loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans, including secured and unsecured personal loans. It also offers cash management, mobile and internet banking, electronic bill pay, automated teller machines, trust and investment, estate planning, and safe deposit box rental services; and group life, health, accident, disability, and other insurance products, as well as other employee benefit programs. As of December 31, 2021, the company operated 30 banking offices in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. Isabella Bank Corporation was founded in 1903 and is headquartered in Mount Pleasant, Michigan.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$294.04M

EPS2.5600

P/E Ratio15.66

Earnings Date07/17/2026

2.21B

Assets

3Y+9.0%

5Y+13.0%

10Y+28.0%

1.98B

Total Liabilities

3Y+7.0%

5Y+14.0%

10Y+28.0%

231.40M

Total Equity

10%

3Y+24.0%

5Y+6.0%

10Y+23.0%

Isabella Bank Corporation Funding & Solvency Profile

ISBA · NASDAQ

Current Assets

Cash & Cash Equivalents26.04M

Net Receivables0.00

Inventory0.00

Other Current Assets0.00

Total Current Assets227 M

Non-Current Assets

Property, Plant & Equipment29.00M

Goodwill & Intangible Assets48.28M

Long-Term Investments1.82B

Other Non-Current Assets85.27M

Total Non-Current Assets2 B

Total Assets

2.21B

Financial Health Analysis

Current Ratio

0.12x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

8.55x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1660800000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

10% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Isabella Bank Corporation Balance Sheet

ISBA • NASDAQ

Isabella Bank Corporation Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	26M	24.5M	33.7M	38.9M	105.3M	246.6M	60.6M	73.5M	30.8M	22.9M	21.6M	19.9M	42.1M	29.4M	37.5M	33.9M	29.9M	23.6M	25.6M	31.4M
Short-Term Investments	200.8M	228.5M	528.1M	580.5M	490.6M	339.2M	429.8M	494.8M	552.3M	558.1M	660.1M	567.5M	512.1M	504M	425.1M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	226.9M	253M	561.8M	619.4M	595.9M	585.9M	490.4M	568.3M	583.2M	581M	681.7M	586.9M	553.6M	528.9M	462.6M	33.9M	29.9M	23.6M	25.6M	31.4M
Net Receivables	0.0	0.0	35.1M	33.6M	20M	21.1M	6.5M	6.9M	7.1M	6.6M	6.3M	5.9M	5.4M	5.2M	5.8M	5.5M	5.8M	6.3M	5.9M	5.8M
Accounts Receivables	0.0	0.0	35.1M	33.6M	20M	21.1M	6.5M	6.9M	7.1M	6.6M	6.3M	5.9M	5.4M	5.2M	5.8M	5.5M	5.8M	6.3M	5.9M	5.8M
Total Current Assets	226.9M	253M	597M	653M	615.9M	606.9M	496.9M	575.2M	590.2M	587.6M	688M	592.7M	559.1M	534.2M	468.5M	39.4M	35.7M	29.9M	31.5M	37.1M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	29M	27.7M	27.6M	25.6M	24.4M	25.1M	26.2M	27.8M	28.5M	29.3M	28.3M	25.9M	25.7M	25.8M	24.6M	24.6M	23.9M	23.2M	22.5M	20.8M
Goodwill	48.3M	48.3M	48.3M	48.3M	48.3M	48.3M	48.3M	48.3M	48.3M	48.3M	48.3M	45.6M	45.6M	45.6M	45.6M	0.0	0.0	0.0	0.0	0.0
Intangible Assets	0.0	1K	2K	5K	20K	49K	97K	169K	265K	384K	546K	510K	693K	914K	1.2M	47.1M	47.4M	47.8M	27M	27.3M
Goodwill & Intangible Assets	48.3M	48.3M	48.3M	48.3M	48.3M	48.3M	48.4M	48.5M	48.5M	48.7M	48.8M	46.1M	46.3M	46.5M	46.8M	47.1M	47.4M	47.8M	27M	27.3M
Long-Term Investments	1.8B	1.7B	1.3B	1.3B	1.3B	1.2B	1.2B	1.1B	1.1B	1B	866.6M	847.4M	834.2M	800.7M	775.5M	1.1B	989.6M	961.8M	828.1M	796.9M
Other Non-Current Assets	85.3M	85.8M	49.7M	33M	32.5M	28.3M	39.9M	45.4M	37.1M	39.9M	36.4M	36.8M	27.2M	19M	22.5M	42.3M	47.3M	76.6M	48.1M	28.1M
Total Non-Current Assets	2B	1.8B	1.5B	1.4B	1.4B	1.4B	1.3B	1.3B	1.2B	1.1B	980.1M	956.8M	934.1M	896.5M	869.4M	1.2B	1.1B	1.1B	925.8M	873M
Total Assets	2.2B	2.1B	2.1B	2B	2B	2B	1.8B	1.8B	1.8B	1.7B	1.7B	1.5B	1.5B	1.4B	1.3B	1.2B	1.1B	1.1B	957.3M	910.1M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	12.8M	11.5M	13.7M	12.6M	14M	8.1M	11.5M	9.8M	10.8M	9.4M	7.5M	8.8M	0.0	0.0	0.0	1.9M	0.0
Accounts Payable	0.0	0.0	0.0	12.8M	11.5M	13.7M	12.6M	14M	8.1M	11.5M	9.8M	10.8M	9.4M	7.5M	8.8M	0.0	0.0	0.0	0.0	0.0
Other Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.9M	0.0
Accrued Expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	8.1M	11.5M	9.8M	10.8M	9.4M	7.5M	0.0	8.4M	7.4M	6.8M	5.9M	7.8M
Short Term Debt	68M	53.6M	46.8M	57.8M	50.2M	68.7M	31M	40.3M	54.9M	67.7M	74.7M	97.7M	117.3M	89M	73.9M	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	1.8B	1.7B	1.7B	1.7B	1.7B	1.6B	1.3B	1.3B	1.3B	1.2B	1.2B	1.1B	1B	1B	958.2M	877.3M	802.7M	775.6M	733.5M	725.8M
Total Current Liabilities	1.9B	1.8B	1.8B	1.8B	1.8B	1.6B	1.4B	1.3B	1.3B	1.3B	1.3B	1.2B	1.2B	1.1B	1B	885.7M	810M	782.4M	741.3M	733.7M
NON-CURRENT LIABILITIES
Long Term Debt	74.5M	59.4M	69.3M	29.2M	49.2M	90M	245M	300M	290M	270M	235M	192M	162M	152M	142.2M	194.9M	193.1M	222.4M	92.9M	58.3M
Other Non-Current Liabilities	15.9M	15.9M	16.7M	0.0	0.0	0.0	0.0	0.0	-8.1M	-11.5M	-9.8M	-10.8M	-9.4M	-7.5M	0.0	0.0	0.0	0.0	0.0	2.4M
Total Non-Current Liabilities	90.4M	75.3M	86.1M	29.2M	49.2M	90M	245M	300M	281.9M	258.5M	225.2M	181.2M	152.6M	144.5M	142.2M	194.9M	193.1M	222.4M	92.9M	60.7M
Total Liabilities	2B	1.9B	1.9B	1.8B	1.8B	1.7B	1.6B	1.6B	1.6B	1.5B	1.5B	1.4B	1.3B	1.3B	1.2B	1.1B	1B	1B	834.2M	794.4M
SHAREHOLDERS' EQUITY
Common Stock	123.2M	126.2M	127.3M	128.7M	129.1M	142.2M	141.1M	140.4M	140.3M	139.5M	139.2M	138.8M	137.6M	136.6M	134.7M	0.0	0.0	133.6M	112.5M	114.8M
Additional Paid-In Capital	0.0	0.0	0.0	0.0	0.0	0.0	0.0	140.4M	140.3M	139.5M	139.2M	138.8M	137.6M	136.6M	134.7M	133.6M	133.4M	133.6M	0.0	0.0
Retained Earnings	113.8M	103M	97.3M	89.7M	75.6M	64.5M	62.1M	57.4M	51.7M	46.1M	40M	32.1M	25.2M	19.2M	13M	8.6M	5M	2.4M	7M	4.5M
Accumulated Other Comprehensive Income/Loss	-8M	-21.4M	-25.9M	-37.2M	1.9M	7.7M	2M	-7.7M	-2.6M	-2.8M	221K	-506K	-6.3M	5M	2.5M	-1.7M	-2.1M	-5.6M	-266K	-3.5M
Other Total Stockholders' Equity	2.4M	2.4M	3.7M	5M	4.5M	4.2M	5M	-135M	-134.8M	-134.5M	-134.6M	-134.5M	-133.4M	-132.8M	-130.2M	4.7M	4.5M	-129.6M	3.8M	0.0
Total Stockholders' Equity	231.4M	210.3M	202.4M	186.2M	211M	218.6M	210.2M	195.5M	194.9M	187.9M	184M	174.6M	160.6M	164.5M	154.8M	145.2M	140.8M	134.5M	123.1M	115.7M
Total Equity	231.4M	210.3M	202.4M	186.2M	211M	218.6M	210.2M	195.5M	194.9M	187.9M	184M	174.6M	160.6M	164.5M	154.8M	145.2M	140.8M	134.5M	123.1M	115.7M
SUMMARY
Total Liabilities & Equity	2.2B	2.1B	2.1B	2B	2B	2B	1.8B	1.8B	1.8B	1.7B	1.7B	1.5B	1.5B	1.4B	1.3B	1.2B	1.1B	1.1B	957.3M	910.1M
Total Investments	2B	1.9B	1.9B	1.9B	1.8B	1.6B	1.6B	1.6B	1.7B	1.6B	1.5B	1.4B	1.3B	1.3B	1.2B	1.1B	989.6M	961.8M	828.1M	796.9M
Total Debt	142.5M	113M	116.1M	87M	99.3M	158.7M	276M	340.3M	344.9M	337.7M	309.7M	289.7M	279.3M	241M	216.1M	194.9M	193.1M	222.4M	92.9M	58.3M
Net Debt	116.5M	88.4M	82.5M	48.1M	-6M	-87.9M	215.4M	266.8M	314M	314.8M	288.2M	269.8M	237.2M	211.6M	178.6M	161M	163.2M	198.8M	67.3M	26.9M
Shares Outstanding	7,350,573	7,350,573	7,350,573	7,350,573	7,350,573	7,350,573	7,350,573	7,350,573	7,350,573	7,350,573	7,350,573	7,350,573	7,350,573	7,350,573	7,350,573	7,350,573	7,350,573	7,350,573	7,350,573	7,350,573

SEC Filings

ISBA - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 28, 2026	May 28, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 07, 2026	May 05, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 06, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 23, 2026	April 23, 2026	2026	View Filing
S-3 S-3 N/A	April 16, 2026	April 16, 2026		View Filing
8-K 8-K 2026 N/A	March 25, 2026	March 23, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	March 23, 2026	May 05, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 13, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 26, 2026	February 26, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 05, 2026	February 05, 2026	2026	View Filing

Showing 1 to 10 of 450 filings

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