See more : Portofino Resources Inc. (PFFOF) Income Statement Analysis – Financial Results
Complete financial analysis of Isabella Bank Corporation (ISBA) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Isabella Bank Corporation, a leading company in the Banks – Regional industry within the Financial Services sector.
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Isabella Bank Corporation (ISBA)
About Isabella Bank Corporation
Isabella 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. The company's loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans, including secured and unsecured personal loans. It also offers cash management, mobile and internet banking, electronic bill pay, automated teller machines, trust and investment, estate planning, and safe deposit box rental services; and group life, health, accident, disability, and other insurance products, as well as other employee benefit programs. As of December 31, 2021, the company operated 30 banking offices in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. Isabella Bank Corporation was founded in 1903 and is headquartered in Mount Pleasant, Michigan.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 71.14M | 71.23M | 63.86M | 64.77M | 57.48M | 59.18M | 56.73M | 52.19M | 50.89M | 52.95M | 52.66M | 53.72M | 49.92M | 49.31M | 48.42M | 43.58M | 11.17M | 9.78M | 9.25M | 8.90M | 12.20M | 9.13M | 6.97M | 4.97M | 4.15M | 3.27M | 2.49M | 2.69M | 2.45M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 10.95M | 10.81M | 9.39M | 9.55M | 8.96M | 9.61M | 10.74M | 49.86M | 0.00 | 0.00 | 43.35M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 71.14M | 71.23M | 63.86M | 64.77M | 57.48M | 48.23M | 45.92M | 42.80M | 41.34M | 43.98M | 43.06M | 42.98M | 57.91K | 49.31M | 48.42M | 234.00K | 11.17M | 9.78M | 9.25M | 8.90M | 12.20M | 9.13M | 6.97M | 4.97M | 4.15M | 3.27M | 2.49M | 2.69M | 2.45M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 81.50% | 80.94% | 82.01% | 81.24% | 83.07% | 81.75% | 80.00% | 0.12% | 100.00% | 100.00% | 0.54% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 36.20M | 26.21M | 25.14M | 25.08M | 24.20M | 24.19M | 24.93M | 22.38M | 21.93M | 24.31M | 24.65M | 24.38M | 20.38M | 19.81M | 19.99M | 16.99M | 15.62M | 13.87M | 13.55M | 12.69M | 13.35M | 11.31M | 9.79M | 8.59M | 6.62M | 6.00M | 4.85M | 4.60M | 4.23M |
| Selling & Marketing | 1.16M | 1.06M | 939.00K | 877.00K | 762.00K | 596.00K | 568.00K | 586.00K | 491.00K | 1.43M | 1.13M | 1.97M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 37.36M | 27.27M | 26.08M | 25.96M | 24.97M | 24.79M | 25.50M | 22.96M | 22.42M | 25.74M | 25.78M | 26.34M | 20.38M | 19.81M | 19.99M | 16.99M | 15.62M | 13.87M | 13.55M | 12.69M | 13.35M | 11.31M | 9.79M | 8.59M | 6.62M | 6.00M | 4.85M | 4.60M | 4.23M |
| Other Expenses | 0.00 | -66.34M | -66.60M | -78.85M | -68.05M | -2.18M | -3.98M | -3.48M | -3.36M | -4.44M | -4.32M | -5.12M | -31.88M | 26.76M | 29.47M | -20.14M | -44.06M | -39.02M | -37.21M | -35.69M | -38.38M | -33.10M | -29.26M | -25.84M | 7.67M | -17.26M | 8.30M | -13.90M | -13.03M |
| Operating Expenses | 37.36M | -39.07M | -40.52M | -52.90M | -43.08M | 22.61M | 21.53M | 19.48M | 19.07M | 21.31M | 21.47M | 21.23M | -11.51M | 46.57M | 49.46M | -3.14M | -28.44M | -25.16M | -23.66M | -23.01M | -25.03M | -21.80M | -19.47M | -17.24M | 14.29M | -11.26M | 13.15M | -9.30M | -8.80M |
| Cost & Expenses | 37.36M | -39.07M | -40.52M | -52.90M | -43.08M | 22.61M | 21.53M | 19.48M | 19.07M | 21.31M | 21.47M | 21.23M | 38.36M | 38.66M | 39.78M | 40.20M | -28.44M | -25.16M | -23.66M | -23.01M | -25.03M | -21.80M | -19.47M | -17.24M | 14.29M | -11.26M | 13.15M | -9.30M | -8.80M |
| Interest Income | 79.63M | 65.80M | 60.11M | 64.17M | 67.31M | 63.86M | 58.41M | 53.67M | 51.50M | 53.95M | 54.08M | 56.40M | 57.91M | 57.22M | 58.11M | 61.39M | 53.97M | 44.71M | 36.88M | 33.82M | 35.98M | 38.16M | 40.80M | 38.75M | 27.50M | 25.80M | 22.73M | 21.70M | 19.85M |
| Interest Expense | 21.69M | 5.32M | 7.41M | 13.83M | 17.86M | 15.63M | 12.49M | 10.87M | 10.16M | 9.97M | 11.02M | 13.42M | 16.20M | 17.20M | 19.84M | 25.61M | 25.96M | 19.73M | 12.97M | 10.46M | 12.45M | 15.26M | 19.26M | 18.40M | 12.90M | 12.48M | 10.53M | 9.96M | 9.00M |
| Depreciation & Amortization | 2.12M | 2.09M | 2.34M | 2.67M | 2.98M | 3.04M | 3.02M | 2.98M | 3.19M | 3.00M | 3.30M | 3.46M | 3.53M | 3.40M | 3.41M | 2.93M | 2.16M | 2.04M | 1.88M | 1.69M | 2.35M | 5.28M | 1.73M | 1.16M | 0.00 | 25.48M | 0.00 | 21.20M | 19.38M |
| EBITDA | 0.00 | 29.03M | 26.29M | 15.04M | 17.69M | 18.64M | 19.61M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 17.49M | 15.63M | 14.59M | 13.02M |
| EBITDA Ratio | 0.00% | 48.21% | 41.16% | 23.23% | 30.78% | 57.91% | 56.60% | 58.23% | 62.43% | 54.84% | 55.12% | 58.55% | 62.70% | 63.38% | 65.86% | 73.23% | 337.02% | 313.78% | 254.75% | 232.21% | 197.02% | 325.91% | 419.88% | 544.71% | 443.99% | 534.44% | 628.84% | 542.55% | 532.30% |
| Operating Income | 21.83M | 32.16M | 23.35M | 11.87M | 14.40M | 15.38M | 16.25M | 16.15M | 18.42M | 16.07M | 14.71M | 14.57M | 11.56M | 10.65M | 8.65M | 3.38M | -17.27M | -15.38M | -14.41M | -14.11M | -12.83M | -12.67M | -12.50M | -12.27M | 18.44M | -7.99M | 15.63M | -6.61M | -6.36M |
| Operating Income Ratio | 30.69% | 45.15% | 36.56% | 18.33% | 25.06% | 26.00% | 28.65% | 30.94% | 36.19% | 30.35% | 27.92% | 27.12% | 23.17% | 21.59% | 17.86% | 7.75% | -154.54% | -157.21% | -155.71% | -158.49% | -105.19% | -138.79% | -179.35% | -246.92% | 443.99% | -244.22% | 628.84% | -245.62% | -259.89% |
| Total Other Income/Expenses | 0.00 | -11.18M | -9.88M | -16.35M | -9.80M | -10.33M | -9.62M | 0.00 | -9.47M | 0.00 | 0.00 | 222.00K | 0.00 | 0.00 | 0.00 | 0.00 | 26.80M | 24.30M | 0.00 | 0.00 | 22.07M | 21.88M | 20.77M | 19.79M | -12.90M | 13.00M | 15.76M | 11.24M | 10.38M |
| Income Before Tax | 21.83M | 26.84M | 23.35M | 11.87M | 14.40M | 15.38M | 16.25M | 16.15M | 18.42M | 16.07M | 14.71M | 14.57M | 11.56M | 10.65M | 8.65M | 3.38M | 9.54M | 8.92M | 8.72M | 8.52M | 9.24M | 9.21M | 8.27M | 7.52M | 5.54M | 5.01M | 5.10M | 4.64M | 4.02M |
| Income Before Tax Ratio | 30.69% | 37.68% | 36.56% | 18.33% | 25.06% | 26.00% | 28.65% | 30.94% | 36.19% | 30.35% | 27.92% | 27.12% | 23.17% | 21.59% | 17.86% | 7.75% | 85.34% | 91.21% | 94.28% | 95.76% | 75.74% | 100.91% | 118.70% | 151.21% | 133.42% | 152.96% | 205.11% | 172.34% | 164.48% |
| Income Tax Expense | 3.67M | 4.61M | 3.85M | 987.00K | 1.38M | 1.36M | 3.02M | 2.35M | 3.29M | 2.34M | 2.20M | 2.36M | 1.35M | 1.60M | 846.00K | -724.00K | 1.61M | 1.92M | 1.95M | 1.88M | 2.04M | 2.29M | 2.21M | 2.08M | 1.49M | 1.37M | 1.49M | 1.30M | 1.07M |
| Net Income | 18.17M | 22.24M | 19.50M | 10.89M | 13.02M | 14.02M | 13.24M | 13.80M | 15.13M | 13.72M | 12.51M | 12.21M | 10.21M | 9.05M | 7.80M | 4.10M | 7.93M | 7.00M | 6.78M | 6.65M | 7.21M | 6.93M | 6.07M | 5.43M | 4.05M | 3.63M | 3.61M | 3.34M | 2.96M |
| Net Income Ratio | 25.54% | 31.22% | 30.53% | 16.81% | 22.66% | 23.69% | 23.33% | 26.44% | 29.73% | 25.92% | 23.75% | 22.72% | 20.45% | 18.34% | 16.11% | 9.41% | 70.97% | 71.58% | 73.23% | 74.66% | 59.06% | 75.87% | 87.06% | 109.28% | 97.54% | 111.06% | 145.17% | 124.19% | 120.94% |
| EPS | 2.42 | 2.95 | 2.48 | 1.37 | 1.65 | 1.78 | 1.69 | 1.77 | 1.95 | 1.77 | 1.63 | 1.61 | 1.35 | 1.20 | 1.04 | 0.55 | 1.14 | 1.02 | 1.04 | 1.02 | 1.24 | 1.10 | 1.07 | 0.96 | 1.04 | 0.29 | 0.95 | 0.89 | 0.88 |
| EPS Diluted | 2.40 | 2.91 | 2.45 | 1.34 | 1.61 | 1.74 | 1.65 | 1.73 | 1.90 | 1.74 | 1.59 | 1.56 | 1.31 | 1.17 | 1.01 | 0.53 | 1.11 | 0.98 | 1.04 | 1.02 | 1.24 | 1.10 | 1.07 | 0.96 | 1.04 | 0.29 | 0.95 | 0.89 | 0.88 |
| Weighted Avg Shares Out | 7.51M | 7.55M | 7.85M | 7.96M | 7.91M | 7.87M | 7.84M | 7.81M | 7.78M | 7.73M | 7.69M | 7.60M | 7.57M | 7.54M | 7.52M | 7.49M | 6.97M | 6.88M | 6.54M | 6.48M | 5.81M | 6.31M | 5.69M | 5.65M | 5.06M | 3.87M | 3.80M | 3.76M | 3.37M |
| Weighted Avg Shares Out (Dil) | 7.58M | 7.65M | 7.97M | 8.11M | 8.10M | 8.07M | 8.03M | 8.00M | 7.95M | 7.91M | 7.86M | 7.80M | 7.77M | 7.73M | 7.70M | 7.68M | 7.17M | 7.13M | 6.54M | 6.48M | 5.81M | 6.31M | 5.69M | 5.65M | 5.06M | 3.87M | 3.80M | 3.76M | 3.37M |
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Isabella Bank Corporation (ISBA) Surpasses Q3 Earnings and Revenue Estimates
Isabella Bank Corporation (ISBA) came out with quarterly earnings of $0.61 per share, beating the Zacks Consensus Estimate of $0.45 per share. This compares to earnings of $0.58 per share a year ago.
Isabella Bank Corporation Reports Third Quarter 2024 Results
MT. PLEASANT, Mich. , Oct. 24, 2024 /PRNewswire/ -- Isabella Bank Corporation (OTCQX: ISBA) (the "Company" or "we") reported third quarter 2024 net income of $3.3 million, or $0.44 per diluted share, compared to $4.4 million or $0.58 per diluted...
Are Investors Undervaluing Isabella Bank (ISBA) Right Now?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong...
Stonegate Updates Coverage on Isabella Bank Corporation (ISBA) 2024 Q2
Dallas, Texas--(Newsfile Corp. - September 9, 2024) - Isabella Bank Corporation (OTCQX: ISBA): Stonegate Capital Partners updates their coverage on Isabella Bank Corporation (OTCQX: ISBA). To view the full announcement, including downloadable images, bios, and more, click here.
Should Value Investors Buy Isabella Bank (ISBA) Stock?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong...
Isabella Bank Corporation Announces Third Quarter 2024 Dividend
MT. PLEASANT, Mich. , Sept. 4, 2024 /PRNewswire/ -- Isabella Bank Corporation (OTCQX: ISBA) today announced its Board of Directors declared a third-quarter cash dividend of $0.28 per common share at its regular meeting on August 28, 2024.
Are Investors Undervaluing Isabella Bank (ISBA) Right Now?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong...
Isabella Bank Corporation (ISBA) Q2 Earnings and Revenues Surpass Estimates
Isabella Bank Corporation (ISBA) came out with quarterly earnings of $0.46 per share, beating the Zacks Consensus Estimate of $0.42 per share. This compares to earnings of $0.61 per share a year ago.
Source: https://incomestatements.info
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