Isabella Bank Corporation (ISBA)

From the record

Isabella Bank Corporation's filings since 2017 show 2 warning events: an auditor change (8-K item 4.01, 2 times, the latest 2025-01-31) (its current reports).

From the record

Isabella Bank Corporation's 10 filed years say what it did: revenue went from $54 million in fiscal 2016 to $96 million in fiscal 2025, up 6.7% a year; it rose in 7 of 9 years; the deepest fall was 11% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Isabella Bank Corporation's diluted share count shrank about 1.2% a year, and dividends and buybacks returned about 50% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 21 purchases of their own stock on the open market in the year to 2026-10-20, buying about $127 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Isabella Bank Corporation earned about 8 cents of profit for every dollar of shareholders' money. Leverage: it owed about 90 cents per dollar of assets, and net share issuance: its share count shrank 1.3% over the year (the filed statements).

From the record

Isabella Bank Corporation's standing among 155 graded names in its industry family: revenue of $96 million in fiscal 2025 ranks in the bottom 11% by size; a net margin of 19.7% ranks in the bottom 43%; revenue growth of 13.4% a year over the last 3 filed years ranks in the bottom 26% (its annual reports).

From the record

Isabella Bank Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Schwind, Jerome E (President & CEO, as filed), filing under that title since 2024-02-05, 2.8 years (bottom 17% of its family); the 15 officers and directors filing in the last fifteen months have been on the record a median of 5 years (bottom 16%); 16 officer or director changes were reported on Form 8-K since 2023-11-13, against the 15 people in charge now (bottom 1%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Isabella Bank Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $26 million against debt of $143 million leaves -5.3% of its assets as net cash, bottom 4% of its family; cash from operations less capital spending is 24.3% of revenue (top 47%) (its annual report).

From the record

Isabella Bank Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 13.4% a year over the last three filed years against 6.7% over all 10, speeding up (top 25% of its family); the newest year grew 6.7% (top 38%); capital spending grew 2.8% a year (bottom 45%) (its annual reports). Isabella Bank Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Isabella Bank Corporation's newest year against its own record: revenue of $96 million in fiscal 2025 came in 8.7% below the $105 million its prior three years' pace pointed to (top 27% of its family); net income of $19 million against a prior three-year average of $18 million (bottom 34%); a net margin of 19.7% against 24% before (bottom 42%) (its annual reports).