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Isabella Bank Corporation

Isabella Bank Corporation
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Sep 28
Ex-dividend Time TBD
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KPI highlights

FY25
Revenue —
Operating income —
Net income $19M YoY +36.2%
EPS $2.56 YoY +37.6%
P/E —
ROE 8.2% Equity ratio 10% Typical equity ratios vary a lot by industry. Banks, brokerages, and other financial companies tend to run lower ratios because leverage (using other people's capital) is core to their business model — a low ratio there isn't a sign of financial weakness.

Company news

F-Score (Piotroski)

6/9 3 of 9 items lack data

Checks financial health against 9 criteria and shows how many are met as a fraction (more ✓ marks is healthier). Items with no data are shown as “—” — they're simply excluded from judgment, not counted against the score.

✓ Positive ROA ROA 0.9%
✓ Positive operating cash flow $27M
✓ ROA improved YoY 0.7% → 0.9%
✓ Operating CF exceeds net income (accrual quality) OCF $27M / net income $19M
✓ Equity ratio improved* Substitute for the original “decrease in long-term debt” 10.1% → 10.5%
— Current ratio improved No data
✓ No dilution (shares outstanding did not increase) 7,424,893 → 7,322,207
— Gross margin improved No data
— Asset turnover improved No data

This score is reference information based on our own financial metrics. It is NOT a credit rating issued by a credit rating agency under Article 66-27 of the Financial Instruments and Exchange Act, and is NOT investment advice or a recommendation. Make investment decisions at your own responsibility.

Fact checklist

FY25
Equity ratio 10.5%
Current ratio —
Years of positive operating CF 12 of last 12 yrs
Payout ratio —
Latest fiscal year result Profit (net income $19M)

Performance history

Last 10 years
$0M$1M$3M$4M$6M FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25

Income & assets

Unit: $1M
Item FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Revenue 5.195.395.66———————
Operating income ——————————
Ordinary income ——————————
Net income 13.813.214.013.010.919.522.218.213.918.9
Total assets 1,7321,8131,8431,8131,9572,0322,0302,0592,0862,209
Equity 188195196210219211186202210231

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Indicators & cash flow

Unit: $1M
Item FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
EPS $1.77$1.69$1.78$1.65$1.37$2.48$2.95$2.42$1.86$2.56
ROE 7.3%6.8%7.2%6.2%5.0%9.2%11.9%9.0%6.6%8.2%
Operating CF 20.219.722.023.322.025.526.924.219.626.8
Investing CF -69.9-81.76.5215.545.1-230-106-26.2-37.9-116
Financing CF 51.070.014.1-51.711962.812.9-3.199.1090.6
FCF ——————————

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Source: SEC EDGAR (10-K, etc.) (fetched 2026-07-03) *Some metrics supplemented from additional sources

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Data provided by Twelve Data