Isabella Bank Corporation (ISBA) Income Statement
ISBA 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsISBA revenue and net income
Where ISBA's revenue goes
2025Each bar shows an amount and its share of revenue. ISBA kept 16.9% of revenue as net income.
ISBA profit margins
ISBA growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +10.1% | +13.5% | +8.1% | +6.4% |
| Gross profit | +20.4% | +3.8% | +5.6% | +4.1% |
| Operating income | +35.0% | −6.2% | +13.3% | +1.9% |
| Net income | +36.2% | −5.3% | +11.7% | +2.3% |
| EPS (diluted) | +34.2% | −5.3% | +10.3% | +3.1% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
ISBA quarterly EPS vs estimates
Isabella Bank beat the analyst EPS estimate in 4 of the last 8 quarters. Next report: October 26, 2026 (estimate $0.92).
ISBA income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $112.0M | $101.7M | $90.8M | $76.6M | $71.3M | $75.8M | $76.3M | $72.5M | $67.4M | $62.2M |
| Cost of revenue | $32.9M | $36.0M | $22.3M | $5.8M | $6.9M | $15.5M | $17.9M | $16.6M | $12.7M | $10.7M |
| Gross profit | $79.1M | $65.7M | $68.4M | $70.8M | $64.4M | $60.3M | $58.4M | $55.9M | $54.6M | $51.4M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $42.6M | $31.4M | $28.9M | $27.4M | $26.1M | $26.0M | $25.0M | $24.8M | $23.6M | $21.3M |
| Total operating expenses | $56.9M | $49.3M | $46.6M | $43.9M | $41.0M | $48.4M | $44.0M | $40.5M | $38.4M | $35.3M |
| Operating income | $22.1M | $16.4M | $21.8M | $26.8M | $23.3M | $11.9M | $14.4M | $15.4M | $16.3M | $16.1M |
| Interest income | $96.0M | $90.0M | $79.6M | $65.8M | $60.1M | $64.2M | $67.3M | $63.9M | $58.4M | $53.7M |
| Interest expense | $33.5M | $34.1M | $21.7M | $5.3M | $7.4M | $13.8M | $17.9M | $15.6M | $12.5M | $10.9M |
| Income before taxes | $24.1M | $16.4M | $21.8M | $26.8M | $23.3M | $11.9M | $14.4M | $15.4M | $16.3M | $16.1M |
| Income taxes | $5.2M | $2.5M | $3.7M | $4.6M | $3.8M | $987,000 | $1.4M | $1.4M | $3.0M | $2.3M |
| Net income | $18.9M | $13.9M | $18.2M | $22.2M | $19.5M | $10.9M | $13.0M | $14.0M | $13.2M | $13.8M |
| EBITDA | $22.3M | $18.5M | $23.8M | $28.9M | $26.3M | $15.0M | $17.7M | $18.6M | $19.6M | $19.5M |
| EPS (diluted) | $2.47 | $1.84 | $2.40 | $2.91 | $3.42 | $1.51 | $1.56 | $1.74 | $1.69 | $1.75 |
| Gross margin | 70.6% | 64.6% | 75.4% | 92.4% | 90.3% | 79.6% | 76.6% | 77.1% | 81.1% | 82.7% |
| Operating margin | 19.8% | 16.1% | 24.1% | 35.1% | 32.8% | 15.7% | 18.9% | 21.2% | 24.1% | 26.0% |
| Net margin | 16.9% | 13.7% | 20.0% | 29.0% | 27.4% | 14.4% | 17.1% | 19.3% | 19.7% | 22.2% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $16.9M | $29.5M | $31.4M | $28.6M | $26.4M | $25.7M | $25.8M | $26.4M | $25.2M | $24.4M | $23.8M | $23.4M |
| Cost of revenue | $8.2M | $8.2M | $9.0M | $8.9M | $7.0M | $8.0M | $9.0M | $9.8M | $8.7M | $8.5M | $8.1M | $5.9M |
| Gross profit | $8.7M | $21.2M | $22.4M | $19.7M | $19.4M | $17.7M | $16.8M | $16.6M | $16.5M | $15.8M | $15.7M | $17.5M |
| Sales, general & admin | $14.7M | $14.7M | $17.8M | $8.4M | $8.2M | $8.1M | $9.4M | $10.5M | $7.7M | $7.7M | $6.8M | $6.9M |
| Total operating expenses | $14.7M | $15.3M | $17.5M | $13.4M | $13.2M | $12.8M | $11.9M | $12.7M | $12.4M | $12.2M | $11.1M | $12.2M |
| Operating income | −$6.0M | $6.0M | $4.8M | $6.3M | $6.2M | $4.9M | $4.8M | $3.8M | $4.1M | $3.6M | $4.5M | $5.3M |
| Interest income | $26.2M | $25.1M | $25.3M | $24.9M | $23.2M | $22.6M | $23.2M | $23.3M | $22.1M | $21.4M | $21.1M | $20.5M |
| Interest expense | $8.1M | $8.2M | $8.6M | $8.7M | $8.1M | $8.1M | $8.6M | $8.9M | $8.5M | $8.1M | $7.4M | $6.2M |
| Income before taxes | $6.2M | $6.0M | $6.8M | $6.3M | $6.2M | $4.9M | $4.8M | $3.8M | $4.1M | $3.6M | $4.5M | $5.3M |
| Income taxes | $1.1M | $985,000 | $2.1M | $1.0M | $1.1M | $912,000 | $825,000 | $561,000 | $612,000 | $511,000 | $726,000 | $937,000 |
| Net income | $5.0M | $5.0M | $4.7M | $5.2M | $5.0M | $3.9M | $4.0M | $3.3M | $3.5M | $3.1M | $3.8M | $4.4M |
| EBITDA | −$5.4M | $6.5M | $5.4M | $6.8M | $6.7M | $5.4M | $5.4M | $4.4M | $4.6M | $4.1M | $5.1M | $5.8M |
| EPS (diluted) | $0.69 | $0.68 | $0.64 | $0.71 | $0.55 | $0.57 | $0.52 | $0.44 | $0.46 | $0.42 | $0.51 | $0.58 |
| Gross margin | 51.3% | 72.0% | 71.4% | 68.8% | 73.4% | 68.8% | 65.1% | 62.8% | 65.5% | 65.0% | 65.8% | 74.9% |
| Operating margin | −35.3% | 20.3% | 15.4% | 21.9% | 23.4% | 18.9% | 18.7% | 14.6% | 16.2% | 14.9% | 19.0% | 22.8% |
| Net margin | 29.8% | 16.9% | 15.0% | 18.3% | 19.1% | 15.4% | 15.5% | 12.4% | 13.8% | 12.8% | 16.0% | 18.8% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in ISBA's financial statements (latest annual report filed March 13, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
ISBA financial results
In fiscal year 2025 (ended December 31, 2025), Isabella Bank reported revenue of $112.0 million, up 10.1% from the year before. It had net income of $18.9 million (up 36.2%), a net profit margin of 16.9%. Diluted earnings per share came to $2.47. Over five years revenue grew at an average rate of 8.1% a year.
See the ISBA stock overview for the latest quote and news, or the ISBA chart for price history and technical indicators.
ISBA income statement FAQ
What is Isabella Bank's annual revenue?
Isabella Bank reported total revenue of $112.0 million for fiscal year 2025, which ended on December 31, 2025. That was up 10.1% from $101.7 million the previous year.
Is Isabella Bank profitable?
Yes. Isabella Bank reported net income of $18.9 million in fiscal 2025, a net profit margin of 16.9%; its operating margin was 19.8%.
What is Isabella Bank's gross margin?
Isabella Bank's gross margin was 70.6% in fiscal 2025: for every $100 of revenue, Isabella Bank kept $71 after the direct cost of its products and services.
How fast is Isabella Bank growing?
Revenue grew 8.1% a year on average over the last five fiscal years, from $75.8 million to $112.0 million.
What are Isabella Bank's earnings per share?
Isabella Bank earned $2.47 per diluted share in fiscal 2025, compared with $1.84 a year earlier.
When will Isabella Bank report its next earnings?
Isabella Bank is expected to report results for the quarter ending September 30, 2026 on October 26, 2026.
When does Isabella Bank's fiscal year end?
Isabella Bank's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 13, 2026.