ISBA - NASDAQ
Isabella Bank Corporation
$40.10
-3.7%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.
At a Glance
Live SnapshotIsabella Bank Corporation Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Isabella Bank Corporation Cash Flow Statement
ISBA • NASDAQ
| Isabella Bank Corporation Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
18.9M | 13.9M | 18.2M | 22.2M | 19.5M | 10.9M | 13M | 14M | 13.2M | 13.8M | 15.1M | 13.7M | 12.5M | 12.2M | 10.2M | 9M | 7.8M | 4.1M | 7.9M | 7M | |
0.0 | 2.1M | 2M | 2.1M | 2.9M | 3.2M | 3.3M | 3.3M | 3.4M | 3.4M | 3.2M | 3M | 3.3M | 3.5M | 3.5M | 3.4M | 3.4M | 2.9M | 2.4M | 2M | |
0.0 | -310K | 1M | 13K | -523K | -276K | 408K | 275K | 2.8M | -282K | 1.7M | 207K | -1.2M | 616K | 389K | 179K | -641K | -1.8M | 301K | 274K | |
0.0 | 476K | 782K | 610K | 86K | 14K | 523K | 612K | 640K | 573K | 550K | 495K | 554K | 643K | 615K | 650K | 677K | 603K | 758K | 0.0 | |
1.1M | 2M | 1.6M | 2.6M | 2.1M | 8.6M | 3.9M | 3.2M | 1.8M | 2.1M | -1.8M | 645K | 4.9M | 2.8M | 2.9M | 6.1M | 4M | 9.8M | 729K | 1.7M | |
(2.2M) | (2.1M) | (2.4M) | (4.4M) | (4.1M) | (846K) | (745K) | (50K) | (3.1M) | (1.4M) | (3.5M) | (1.5M) | (2.1M) | (2.4M) | (878K) | (1.3M) | (2.2M) | (1.2M) | (1.8M) | (0.0) | |
6.8M | 1.5M | 669K | -553K | 1.4M | -423K | 2.1M | 606K | -2.2M | 694K | -6.7M | -503K | 3.5M | -264K | 1.3M | 7.1M | 3M | 5M | 48.2M | -12.8M | |
26.8M | 19.6M | 24.2M | 26.9M | 25.5M | 22M | 23.3M | 22M | 19.7M | 20.2M | 12.1M | 17.6M | 23.6M | 19.5M | 18.9M | 26.5M | 18.2M | 20.7M | 60.4M | -1.8M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -2.1M | -4.1M | -3.2M | -1.6M | -1.5M | -1.3M | -2.3M | -2M | -3.8M | -5.1M | -2.7M | -2.5M | -3.6M | -2.5M | -3.2M | -3M | -3M | -3.7M | -2.5M | |
(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) | -9.5M | (0.0) | -2.7M | |
(0.0) | -7.4M | -11.5M | -210.9M | -262.7M | -29.1M | -40.3M | -35.9M | -107.4M | -80.4M | -185.7M | -127.6M | -131.5M | -207M | -165M | -156.9M | -140.5M | -96.2M | -132.1M | -70.1M | |
0.0 | 48.5M | 75.1M | 69M | 100.3M | 125.7M | 115.4M | 83.5M | 110.4M | 172.9M | 91.4M | 81.6M | 102.5M | 129.8M | 78.2M | 85.3M | 130.6M | 66.4M | 55M | 57.6M | |
-115.9M | -76.9M | -85.8M | 39M | -65.7M | -50M | -58.3M | -38.9M | -82.7M | -158.7M | -14M | -26.1M | -38.1M | -21.1M | -15.8M | -29M | 3.8M | -45.6M | -23.8M | -44.8M | |
-115.9M | -37.9M | -26.2M | -106.2M | -229.6M | (45.1M) | (15.5M) | (6.5M) | -81.7M | -69.9M | -113.5M | -74.8M | -69.7M | -101.9M | -105.2M | -103.9M | -9.2M | -87.8M | -104.6M | -62.5M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-3.4M | -2.9M | -3.4M | -551K | -13.4M | -109K | -258K | -544K | 576K | 200K | 243K | 774K | 860K | 413K | 369K | -326K | -344K | -4.2M | 776K | 2.5M | |
29.4M | -3.2M | 29M | -12.4M | -40.9M | -162.6M | -55M | -4.6M | 7.2M | 28M | 20M | 10.4M | 38.3M | 24.9M | 21.4M | 2M | -29M | 123M | 34.4M | -409K | |
-8.1M | -8.1M | -8.2M | -8.1M | -8.4M | -8.5M | -8.3M | -8.2M | -8M | -7.6M | -7.3M | -6.8M | -6.5M | -6.1M | -5.8M | -5.4M | -5.3M | -4.9M | -4.3M | -3.8M | |
-4.7M | -4.4M | -5M | -2.3M | -14.9M | -4.3M | -5.1M | -7.4M | -5.6M | -4.8M | -5M | -3.5M | -2.8M | -2.5M | -1.9M | -2.5M | -2.8M | -6.7M | -1.9M | (0.0) | |
72.6M | 23.4M | -20.6M | 33.9M | 125.4M | 290.2M | 11.9M | 27.4M | 70.2M | 30.5M | 90.1M | 30.7M | 26.1M | 59.5M | 80.8M | 74.7M | 27M | -47.9M | 7.6M | 66.6M | |
90.6M | 9.1M | -3.2M | 12.9M | 62.8M | 118.9M | -51.7M | 14.1M | 70M | 51M | 103.1M | 35M | 58.8M | 78.7M | 96.8M | 71M | -7.5M | 66M | 38.5M | 64.8M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
1.5M | -9.1M | -5.3M | -66.4M | -141.3M | 186.1M | -12.9M | 42.6M | 8M | 1.3M | 1.7M | -22.2M | 12.8M | -3.7M | 10.5M | -6.4M | 1.5M | -1.1M | -5.8M | 534K | |
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 | 28.6M | 18.1M | 24.5M | 23M | 24.1M | 31.4M | 30.8M | |
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 | 24.9M | 28.6M | 18.1M | 24.5M | 23M | 25.6M | 31.4M | |
23.3M | 17.5M | 20.1M | 23.7M | 23.9M | 20.5M | 22M | 19.7M | 17.6M | 16.4M | 7M | 14.8M | 21.1M | 15.9M | 16.3M | 23.3M | 15.2M | 17.7M | 56.7M | -4.3M |
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 | |
8-K 8-K 2026 N/A | May 07, 2026 | May 05, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 06, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 23, 2026 | 2026 | |
S-3 S-3 N/A | April 16, 2026 | April 16, 2026 | ||
8-K 8-K 2026 N/A | March 25, 2026 | March 23, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 23, 2026 | May 05, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 13, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 26, 2026 | February 26, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 05, 2026 | February 05, 2026 | 2026 |
Related Guides
Continue your ISBA research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.