Isabella Bank (ISBA) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Isabella Bank had a P/E ratio of 19.39 (up from 13.91), return on equity of 8.6% (up from 6.7%), debt-to-equity of 0.62 (up from 0.54) and return on assets of 0.9% (up from 0.7%). Its dividend yield was 2.29% with a payout ratio of 42.8%.

Isabella Bank Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	19.39	13.91	8.87	7.99	9.84	14.38
Forward P/E	17.12	12.17	7.88	7.19	13.08	-
P/S Ratio	4.64	2.82	2.26	2.41	2.86	2.52
P/B Ratio	1.58	0.92	0.80	0.95	0.91	0.72
Price/Tangible Book	2.00	1.19	1.04	1.29	1.18	0.92
Price/FCF	15.71	11.02	8.01	7.50	8.03	7.64
Price/OCF	13.68	9.84	6.66	6.61	7.53	7.12
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	8.56%	6.73%	9.35%	11.20%	9.08%	5.08%
Return on Assets (ROA)	0.88%	0.67%	0.89%	1.10%	0.98%	0.58%
Leverage & Solvency Ratios
Debt/Equity	0.62	0.54	0.57	0.47	0.47	0.73
Debt/FCF	6.11	6.45	5.77	3.67	4.15	7.75
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	5.16%	7.19%	11.28%	12.52%	10.16%	6.96%
FCF Yield	6.36%	9.08%	12.49%	13.33%	12.46%	13.09%
Dividend Yield	2.29%	4.55%	5.82%	5.46%	5.22%	6.97%
Payout Ratio	42.76%	58.66%	45.23%	36.34%	42.91%	78.31%
Buyback Yield	1.29%	1.23%	0.94%	4.00%	1.73%	-0.14%
Total Return	3.58%	5.78%	6.76%	9.46%	6.95%	6.84%

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 Ratios

What is Isabella Bank's P/E ratio?

Isabella Bank's P/E ratio was 19.39 for fiscal 2025 (period ended Dec 31, 2025). It was 13.91 a year earlier.

What is Isabella Bank's return on equity?

Isabella Bank's return on equity (ROE) was 8.6% for fiscal 2025 (period ended Dec 31, 2025). It was 6.7% a year earlier.

What is Isabella Bank's debt-to-equity ratio?

Isabella Bank's debt-to-equity ratio was 0.62 for fiscal 2025 (period ended Dec 31, 2025). It was 0.54 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition