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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 |
Isabella Bank Corporation Announces Fourth Quarter 2023 Dividend
MT. PLEASANT, Mich. , Nov. 30, 2023 /PRNewswire/ -- Isabella Bank Corporation (OTCQX:ISBA) today announced its Board of Directors declared a fourth-quarter cash dividend of $0.28 per common share at its regular meeting on November 29, 2023.
Stonegate Updates Coverage on Isabella Bank Corporation (ISBA) 2023 Q3
Dallas, Texas--(Newsfile Corp. - October 31, 2023) - 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.
Isabella Bank Corporation (ISBA) Lags Q3 Earnings and Revenue Estimates
Isabella Bank Corporation (ISBA) came out with quarterly earnings of $0.58 per share, missing the Zacks Consensus Estimate of $0.72 per share. This compares to earnings of $0.77 per share a year ago.
Isabella Bank Corporation Announces Third Quarter 2023 Earnings
Growth in core loans and deposits; pricing competition continues MT. PLEASANT, Mich.
Dividend Income Summary: Lanny's September 2023 Summary
Dividend Income Summary: Lanny's September 2023 Summary
Isabella Bank Corporation Announces Third Quarter 2023 Dividend
MT. PLEASANT, Mich. , Sept. 6, 2023 /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 30, 2023.
Stonegate Initiates Coverage on Isabella Bank Corporation (ISBA)
Dallas, Texas--(Newsfile Corp. - August 1, 2023) - Isabella Bank Corporation (OTCQX: ISBA): Stonegate Capital Partners initiates their coverage on Isabella Bank Corporation (OTCQX: ISBA). The full report can be accessed by clicking on the following link: ISBA Report.
Isabella Bank Corporation (ISBA) Lags Q2 Earnings and Revenue Estimates
Isabella Bank Corporation (ISBA) came out with quarterly earnings of $0.61 per share, missing the Zacks Consensus Estimate of $0.66 per share. This compares to earnings of $0.69 per share a year ago.
Isabella Bank Corporation Announces Second Quarter 2023 Earnings
Growth in loans, Isabella Wealth during Q2; results remain strong despite interest rate headwinds MT. PLEASANT, Mich.
Earnings Preview: Isabella Bank Corporation (ISBA) Q2 Earnings Expected to Decline
Isabella Bank Corporation (ISBA) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Source: https://incomestatements.info
Category: Stock Reports