Isabella Bank (ISBA) Financial Statements & Analysis

Isabella Bank (ISBA) Income Statement

Isabella Bank reported revenue of $79.07M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 15.5% from $68.44M a year earlier. Net income was $18.91M, up 36.2% year over year, a net margin of 23.9%. Gross margin was 100.0% and operating margin 28.0%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $21.56M, up 8.3% from the same quarter a year earlier.

Isabella Bank Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Isabella Bank Corporation income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	79.07	68.44	90.76	71.23	71.28	75.75	76.34	72.52	67.35
Cost of Revenue	32.93	36.03	22.32	5.80	6.89	15.49	17.89	16.61	12.75
Gross Profit	79.07	65.69	68.45	70.75	64.38	60.26	58.45	55.91	54.61
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	19.05	31.42	28.90	27.40	26.08	25.96	24.97	24.79	23.59
Operating Expenses	56.94	49.29	46.62	43.91	41.04	48.39	44.04	40.53	38.35
Operating Income	22.13	16.40	21.83	26.84	23.35	11.87	14.40	15.38	16.25
Other Income/Expense
Interest Income	96.04	89.98	79.63	65.80	60.11	64.17	67.31	63.86	58.41
Interest Expense	33.49	34.14	21.69	5.32	7.41	13.83	17.86	15.63	12.49
Other Income/Expense	1.99	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	24.12	16.40	21.83	26.84	23.35	11.87	14.40	15.38	16.25
Income Tax Expense	5.21	2.51	3.67	4.61	3.85	0.99	1.38	1.36	3.02
Net Income	18.91	13.89	18.17	22.24	19.50	10.89	13.02	14.02	13.24
Net Income - Continuous Operations	18.91	13.89	18.17	22.24	19.50	10.89	13.02	14.02	13.24
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	3.11	3.42	23.81	4.09	26.29	15.04	17.69	18.64	19.61
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0.15	2.09	1.98	2.07	2.94	3.17	3.29	3.25	3.36
Earnings Per Share
Basic EPS	3.00	2.00	2.00	3.00	2.00	1.00	2.00	2.00	2.00
Diluted EPS	3.00	2.00	2.00	3.00	2.00	1.00	2.00	2.00	2.00
Basic Shares Outstanding	7.37	7.47	7.51	7.55	7.53	7.96	7.91	7.87	7.84
Diluted Shares Outstanding	7.39	7.47	7.58	7.65	7.97	8.11	8.10	8.07	8.03

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Isabella Bank Financial Statements

What was Isabella Bank's revenue in fiscal 2025?

Isabella Bank reported revenue of $79.07M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 15.5% from $68.44M a year earlier.

Is Isabella Bank profitable?

Yes. Isabella Bank earned net income of $18.91M in fiscal 2025, a net margin of 23.9%. In fiscal 2024 it earned $13.89M.

What is Isabella Bank's operating margin?

Isabella Bank's operating income was $22.13M on revenue of $79.07M in fiscal 2025, an operating margin of 28.0%, compared with 24.0% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition