ISBA
ISABELLA BANK CORP
NASDAQ · Financial Services · Banks - Regional · US
$41.60
+4.31%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 109.9M | 112.0M | 101.7M | 90.8M | 76.6M |
| Cost of Revenue | 33.7M | 32.9M | 36.0M | 22.3M | 5.8M |
| Gross Profit | 76.2M | 79.1M | 65.7M | 68.4M | 70.8M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 58.9M | 42.6M | 31.4M | 28.9M | 27.4M |
| General & Admin Expense | 56.8M | 40.6M | 29.7M | 26.8M | 25.4M |
| Selling & Marketing Expense | 2.0M | 2.0M | 1.7M | 2.1M | 2.0M |
| Other Expenses | 4.3M | 14.4M | 17.9M | 17.7M | 16.5M |
| Total Operating Expenses | 63.1M | 56.9M | 49.3M | 46.6M | 43.9M |
| Cost and Expenses | 96.8M | 89.9M | 85.3M | 68.9M | 49.7M |
| Operating Income (EBIT) | 13.1M | 22.1M | 16.4M | 21.8M | 26.8M |
| Non-Operating | |||||
| Interest Income | 52.8M | 96.0M | 90.0M | 79.6M | 65.8M |
| Interest Expense | 33.1M | 33.5M | 34.1M | 21.7M | 5.3M |
| Net Interest Income | 19.7M | 62.5M | 55.8M | 57.9M | 60.5M |
| Other Non-Op Income/Expense | 14.1M | 2.0M | — | — | — |
| Non-Operating Income (excl Interest) | (8.1M) | — | — | — | — |
| EBT (Pre-Tax Income) | 27.2M | 24.1M | 16.4M | 21.8M | 26.8M |
| Income Tax Expense | 5.9M | 5.2M | 2.5M | 3.7M | 4.6M |
| Bottom Line | |||||
| Net Income | 21.3M | 18.9M | 13.9M | 18.2M | 22.2M |
| Earnings from Cont. Ops | 21.3M | 18.9M | 13.9M | 18.2M | 22.2M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 21.3M | 18.9M | 13.9M | 18.2M | 22.2M |
| Per Share | |||||
| Basic EPS | $2.87 | $2.56 | $1.86 | $2.42 | $2.95 |
| Diluted EPS | $2.87 | $2.56 | $1.86 | $2.40 | $2.91 |
| Revenue Per Share | $14.39 | $15.18 | $13.65 | $12.08 | $10.14 |
| Shares | |||||
| Basic Shares Outstanding | 7.6M | 7.4M | 7.5M | 7.5M | 7.5M |
| Diluted Shares Outstanding | 7.6M | 7.4M | 7.5M | 7.6M | 7.6M |
| Profitability Metrics | |||||
| EBITDA | 22.9M | 22.3M | 18.5M | 23.8M | 28.9M |
| D&A | 1.7M | 146.0K | 2.1M | 2.0M | 2.1M |
| EBIT | 21.2M | 22.1M | 16.4M | 21.8M | 26.8M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026