ISBA · XBRL financial data
Isabella Bank financial statements, every fiscal year
The same tables from 6 filings, lined up. Matched by XBRL tag: renamed lines keep their history.
How these numbers work
- Every number comes from the company's XBRL financial data filed with the SEC, and each one links to its filing.
- Lines are matched by XBRL tag, so a line renamed between filings keeps its history.
- * marks a quarter worked out from the filing totals: the 10-K year minus the first three quarters, or a year-to-date total minus the earlier one. Fourth-quarter earnings per share is fourth-quarter net income over the fourth-quarter weighted shares.
- 0 means a filing states zero; a dash (—) means no filing states that number.
- “year only” means the 10-K gives the full year but not the quarters needed to work out the fourth. A worked-out quarter of revenue, cost of revenue or operating cash flow more than twice the company's largest quarter of the two years before is shown this way too.
- Gross profit is shown as the company reports it; a worked-out quarter must equal revenue less cost of revenue for that quarter, or it is a dash.
- Operating income can be above gross profit when the company books other operating income between the two, shown on its own line.
- Shares outstanding come from each filing's cover page, as of the date printed there.
- Quarters are fiscal: Q2 FY27 is the second quarter of the company's fiscal 2027.
Income statement
CSVFiscal years (ISBA's year ends in late December)
| In millions of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Interest expense | 14 | 7 | 5 | 22 | — | — |
| Income tax expense (benefit) | 1 | 4 | 5 | 4 | 3 | 5 |
| Net income (loss) | 11 | 19 | 22 | 18 | 14 | 19 |
| Earnings per share, basic USD per share | 1.37 | 2.48 | 2.95 | 2.42 | 1.86 | 2.56 |
| Earnings per share, diluted USD per share | 1.34 | 2.45 | 2.91 | 2.40 | 1.86 | 2.56 |
| Weighted average shares, basic millions of shares | 8 | 8 | 8 | 8 | 7 | 7 |
| Weighted average shares, diluted millions of shares | 8 | 8 | 8 | 8 | 7 | 7 |
Balance sheet
CSVFiscal years (ISBA's year ends in late December)
| In millions of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Cash and cash equivalents | 247 | 105 | 39 | 34 | 25 | 26 |
| Property and equipment, net | 25 | 24 | 26 | 28 | 28 | 29 |
| Goodwill | 48 | 48 | 48 | 48 | 48 | 48 |
| Total assets | 1,957 | 2,032 | 2,030 | 2,059 | 2,086 | 2,209 |
| Total deposits | 1,566 | 1,710 | 1,744 | 1,724 | 1,747 | 1,820 |
| Total liabilities | 1,739 | 1,821 | 1,844 | 1,857 | 1,876 | 1,978 |
| Retained earnings | 64 | 76 | 90 | 97 | 103 | 114 |
| Total stockholders' equity | 219 | 211 | 186 | 202 | 210 | 231 |
| Total liabilities and equity | 1,957 | 2,032 | 2,030 | 2,059 | 2,086 | 2,209 |
| Common shares outstanding (cover page) millions of shares | 8 | 8 | 8 | 8 | 7 | 7 |
Cash flows
CSVFiscal years (ISBA's year ends in late December)
| In millions of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Net income (loss) | 11 | 19 | 22 | 18 | 14 | 19 |
| Stock-based compensation | — | — | 1 | 1 | 0 | 0 |
| Net cash from operating activities | 22 | 26 | 27 | 24 | 20 | 27 |
| Purchases of property and equipment | 2 | 2 | 3 | 4 | 2 | 3 |
| Net cash from investing activities | 45 | (230) | (106) | (26) | (38) | (116) |
| Proceeds from issuing common stock | 4 | 2 | 2 | 2 | 2 | 1 |
| Share repurchases | — | — | — | 3 | 3 | 5 |
| Dividends paid | 9 | 8 | 8 | 8 | 8 | 8 |
| Net cash from financing activities | 119 | 63 | 13 | (3) | 9 | 91 |
| Net change in cash | 186 | (141) | (66) | (5) | (9) | 1 |
Compare with peers
SIC 6022 and related industry codes, similar size. Each row is the latest quarter reported.
How peers are chosen
- SIC 6022 and related industry codes with public float (or, where float is missing, quarterly revenue) between 0.2x and 5x the company's.
- Each row is the latest quarter the company has reported, named in the Quarter column; when that filing is a 10-K, it is the fourth quarter, never the full year.
- * marks a quarter worked out from the filing totals: for a 10-Q, the year-to-date total less the earlier one.
- A cell reading “not reported” means the filings give no figure for that quarter alone.
| Company | Cash ($M) | Revenue, quarter ($M) | Operating cash flow, quarter ($M) | Shares outstanding | Quarter |
|---|---|---|---|---|---|
| Isabella Bank | 139 | not reported | 5.4* | 7.7M | 10-QSep 30, 2026 |
| Norwood Financial | 60 | 2.1 | 8.9* | 10.9M | 10-QJun 30, 2026 |
| Fidelity D & D Bancorp | 208 | not reported | 21* | 5.8M | 10-QJun 30, 2026 |
| First Internet Bancorp | 411 | not reported | 24* | 8.7M | 10-QJun 30, 2026 |
| Parke Bancorp | 205 | not reported | 6.1* | 11.8M | 10-QJun 30, 2026 |
| PCB Bancorp | 265 | 0.8 | 1.4* | 14.0M | 10-QJun 30, 2026 |
| LCNB | 25 | not reported | 8.8* | 14.3M | 10-QJun 30, 2026 |
| Bankwell Financial Group | 203 | 0.7 | 10* | 8.0M | 10-QJun 30, 2026 |
| John Marshall Bancorp | 159 | not reported | 5* | 14.1M | 10-QJun 30, 2026 |
Not investment advice. Not affiliated with the U.S. SEC.