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 Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
Isabella Bank Corporation Income Statement
ISBA • NASDAQ
| Isabella Bank Corporation Income 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
112M | 101.7M | 90.8M | 76.6M | 71.3M | 75.8M | 76.3M | 72.5M | 67.4M | 62.2M | 60.3M | 60M | 60M | 67.2M | 66M | 66.5M | 68.3M | 69.2M | 63.9M | 29.5M | |
GROSS PROFIT | ||||||||||||||||||||
(32.9M) | (36M) | (22.3M) | (5.8M) | (6.9M) | (15.5M) | (17.9M) | (16.6M) | (12.7M) | (10.7M) | (7.4M) | (9.3M) | (12.1M) | (15.7M) | (20M) | (22.1M) | (25.9M) | (35.1M) | (27.2M) | (20.4M) | |
79.1M | 65.7M | 68.4M | 70.8M | 64.4M | 60.3M | 58.4M | 55.9M | 54.6M | 51.4M | 52.9M | 50.7M | 47.9M | 51.5M | 45.9M | 44.4M | 42.3M | 34.1M | 36.8M | 9.1M | |
OPERATING INCOME | ||||||||||||||||||||
(56.9M) | (49.3M) | (46.6M) | (43.9M) | (41M) | (48.4M) | (44M) | (40.5M) | (38.4M) | (35.3M) | (34.5M) | (34.7M) | (33.2M) | (37M) | (34.4M) | (33.8M) | (33.7M) | (30.7M) | (27.2M) | (178K) | |
(42.6M) | (31.4M) | (28.9M) | (27.4M) | (26.1M) | (26M) | (25M) | (24.8M) | (23.6M) | (21.3M) | (22.4M) | (21.8M) | (21.4M) | (26.3M) | (23.7M) | (23.1M) | (20M) | (17.3M) | (15.6M) | (13.9M) | |
22.1M | 16.4M | 21.8M | 26.8M | 23.3M | 11.9M | 14.4M | 15.4M | 16.3M | 16.1M | 18.4M | 16.1M | 14.7M | 14.6M | 11.6M | 10.6M | 8.6M | 3.4M | 9.5M | 8.9M | |
PRE-TAX INCOME | ||||||||||||||||||||
(33.5M) | (34.1M) | (21.7M) | (5.3M) | (7.4M) | (13.8M) | (17.9M) | (15.6M) | (12.5M) | (10.9M) | (10.2M) | (10M) | (11M) | (13.4M) | (16.2M) | (17.2M) | (19.8M) | (25.6M) | (26M) | (19.7M) | |
62.5M | 55.8M | 57.9M | 60.5M | 52.7M | 50.3M | 49.4M | 48.2M | 45.9M | 42.8M | 41.3M | 41.2M | 39.4M | 43M | 41.7M | 40M | 38.3M | 35.8M | 28M | 25M | |
(14.4M) | (17.9M) | (17.7M) | (16.5M) | (15M) | (22.4M) | (19.1M) | (15.7M) | (14.8M) | (14M) | (12.1M) | (12.9M) | (11.8M) | (10.6M) | (10.7M) | (10.7M) | (13.7M) | (13.4M) | (11.6M) | -13.7M | |
2M | 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 | 0.0 | |
24.1M | 16.4M | 21.8M | 26.8M | 23.3M | 11.9M | 14.4M | 15.4M | 16.3M | 16.1M | 18.4M | 16.1M | 14.7M | 14.6M | 11.6M | 10.6M | 8.6M | 3.4M | 9.5M | 8.9M | |
NET INCOME | ||||||||||||||||||||
(5.2M) | (2.5M) | (3.7M) | (4.6M) | (3.8M) | (987K) | (1.4M) | (1.4M) | (3M) | (2.3M) | (3.3M) | (2.3M) | (2.2M) | (2.4M) | (1.4M) | (1.6M) | (846K) | -724K | (1.6M) | (1.9M) | |
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 |
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
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Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
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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.