Isabella Bank Corporation (ISBA) — Financial statements
Income statement, balance sheet, and cash flow for Isabella Bank Corporation — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 112↑10.1% | 102↑12.1% | 91↑18.6% | 77↑7.4% | 71 | |
| Cost of Revenue | 33↓8.6% | 36↑61.4% | 22↑284.8% | 6↓15.9% | 7 | |
| Gross Profit | 79↑20.4% | 66↓4.0% | 68↓3.3% | 71↑9.9% | 64 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 41↑36.6% | 30↑10.7% | 27↑5.5% | 25↑1.1% | 25 | |
| Selling & Marketing Expenses | 2↑16.2% | 2↓17.5% | 2↑4.8% | 2↑110.8% | 0.94 | |
| SG&A Expenses | 43↑35.5% | 31↑8.7% | 29↑5.5% | 27↑5.1% | 26 | |
| Other Expenses | 14↓19.6% | 18↑0.9% | 18↑7.3% | 17↑10.4% | 15 | |
| Operating Expenses | 57↑15.5% | 49↑5.7% | 47↑6.2% | 44↑7.0% | 41 | |
| Total Costs & Expenses | 90↑5.3% | 85↑23.8% | 69↑38.7% | 50↑3.7% | 48 | |
| Operating Results | ||||||
| Operating Income | 22↑35.0% | 16↓24.9% | 22↓18.7% | 27↑15.0% | 23 | |
| Depreciation & Amortization | 0.00↓100.0% | 2↑5.5% | 2↓4.5% | 2↓29.6% | 3 | |
| EBITDA | 22↑19.7% | 18↓22.4% | 24↓17.7% | 29↑10.0% | 26 | |
| EBIT | 22↑35.0% | 16↓24.9% | 22↓18.7% | 27↑15.0% | 23 | |
| Interest & Other Income | ||||||
| Net Interest Income | 63↑12.0% | 56↓3.6% | 58↓4.2% | 60↑14.8% | 53 | |
| Interest Income | 96↑6.7% | 90↑13.0% | 80↑21.0% | 66↑9.5% | 60 | |
| Interest Expense | 33↓1.9% | 34↑57.4% | 22↑307.9% | 5↓28.3% | 7 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 2 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 24↑47.1% | 16↓24.9% | 22↓18.7% | 27↑15.0% | 23 | |
| Income Tax Expense | 5↑107.8% | 3↓31.5% | 4↓20.4% | 5↑19.7% | 4 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 19↑36.2% | 14↓23.5% | 18↓18.3% | 22↑14.0% | 19 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 19↑36.2% | 14↓23.5% | 18↓18.3% | 22↑14.0% | 19 | |
| Bottom-Line Net Income | 19↑36.2% | 14↓23.5% | 18↓18.3% | 22↑14.0% | 19 | |
| EPS (Basic) | 2.56↑37.6% | 1.86↓23.1% | 2.42↓18.0% | 2.95↑19.0% | 2.48 | |
| EPS (Diluted) | 2.56↑37.6% | 1.86↓22.5% | 2.40↓17.5% | 2.91↑18.8% | 2.45 | |
| Weighted Average Shares | 7↓1.0% | 7↓0.8% | 8↓0.5% | 8↑0.2% | 8 | |
| Weighted Average Diluted Shares | 7↓1.4% | 7↓1.2% | 8↓0.9% | 8↓4.0% | 8 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.