About Isabella Bank Corporation
https://www.isabellabank.comIsabella Bank Corporation operates as the bank holding company for Isabella Bank that provides various banking products and services to businesses, institutions, and individuals and their families. Its deposit products include checking accounts, savings accounts, certificates of deposit, direct deposits, and money market accounts.
CEO
Jerome E. Schwind
Compensation Summary
(Year 2024)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2008-03-11 | Forward | 11:10 |
| 2006-03-02 | Forward | 11:10 |
ETFs Holding This Stock
Summary
Showing Top 3 of 16
Ratings Snapshot
Rating : B+
Most Recent Analyst Grades
Grade Summary
Showing Top 1 of 1
Price Target
Institutional Ownership
VANGUARD GROUP INC
Shares:245.94K
Value:$12.5M
BLACKROCK, INC.
Shares:98.92K
Value:$5.03M
GEODE CAPITAL MANAGEMENT, LLC
Shares:76.75K
Value:$3.9M
Summary
Showing Top 3 of 23
About Isabella Bank Corporation
https://www.isabellabank.comIsabella Bank Corporation operates as the bank holding company for Isabella Bank that provides various banking products and services to businesses, institutions, and individuals and their families. Its deposit products include checking accounts, savings accounts, certificates of deposit, direct deposits, and money market accounts.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $28.59M ▲ | $13.39M ▲ | $5.24M ▲ | 18.32% ▼ | $0.71 ▲ | $6.8M ▲ |
| Q2-2025 | $26.37M ▲ | $13.19M ▲ | $5.03M ▲ | 19.08% ▲ | $0.68 ▲ | $6.71M ▲ |
| Q1-2025 | $25.68M ▼ | $12.81M ▲ | $3.95M ▼ | 15.38% ▼ | $0.53 ▼ | $5.4M ▲ |
| Q4-2024 | $25.76M ▼ | $11.95M ▼ | $4M ▲ | 15.51% ▲ | $0.54 ▲ | $5.35M ▲ |
| Q3-2024 | $26.37M | $12.72M | $3.28M | 12.44% | $0.44 | $4.37M |
What's going well?
Revenue is growing at a healthy pace, and the company remains profitable. Operating expenses are under control, and earnings per share are rising.
What's concerning?
Gross margins are slipping as costs rise faster than sales. Interest expenses are high and eating into profits, which could be a risk if borrowing costs go up further.
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $673.27M ▲ | $2.26B ▲ | $2.03B ▲ | $227.42M ▲ |
| Q2-2025 | $227.54M ▼ | $2.16B ▲ | $1.94B ▲ | $220.5M ▲ |
| Q1-2025 | $582.22M ▲ | $2.1B ▲ | $1.89B ▲ | $215.56M ▲ |
| Q4-2024 | $253.03M ▼ | $2.09B ▼ | $1.88B ▼ | $210.28M ▼ |
| Q3-2024 | $533.83M | $2.11B | $1.89B | $212.99M |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $5.24M ▲ | $2.75M ▼ | $-42.69M ▼ | $92.69M ▲ | $52.75M ▲ | $1.73M ▼ |
| Q2-2025 | $5.03M ▲ | $7.84M ▲ | $-12.64M ▼ | $44.18M ▲ | $39.38M ▼ | $7.24M ▲ |
| Q1-2025 | $3.95M ▼ | $4.7M ▼ | $28.1M ▲ | $11.83M ▲ | $44.64M ▲ | $3.72M ▼ |
| Q4-2024 | $4M ▲ | $7.12M ▲ | $11.38M ▲ | $-21.34M ▼ | $-2.84M ▼ | $6.61M ▲ |
| Q3-2024 | $3.28M | $3.73M | $-34.71M | $34.79M | $3.82M | $3.37M |
Revenue by Products
| Product | Q1-2019 | Q2-2019 | Q3-2019 | Q4-2019 |
|---|---|---|---|---|
 Debit Card | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Fiduciary and Trust | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Investment Advice | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Service Charges And Deposit Account Fees | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
CEO
Jerome E. Schwind
Compensation Summary
(Year 2024)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2008-03-11 | Forward | 11:10 |
| 2006-03-02 | Forward | 11:10 |
ETFs Holding This Stock
Summary
Showing Top 3 of 16
Ratings Snapshot
Rating : B+
Most Recent Analyst Grades
Grade Summary
Showing Top 1 of 1
Price Target
Institutional Ownership
VANGUARD GROUP INC
Shares:245.94K
Value:$12.5M
BLACKROCK, INC.
Shares:98.92K
Value:$5.03M
GEODE CAPITAL MANAGEMENT, LLC
Shares:76.75K
Value:$3.9M
Summary
Showing Top 3 of 23