Isabella Bank
ISBA · OTC
Key indicators
ISBA profitability and balance sheet ratios
Return on equity 7.0% in Mar 2025, down 1.2 points on a year earlier.
| Period | Return on equity |
|---|---|
| Jun 2023 | 11.9% |
| Sep 2023 | 11.0% |
| Dec 2023 | 9.4% |
| Mar 2024 | 8.2% |
| Jun 2024 | 7.5% |
| Sep 2024 | 6.7% |
| Dec 2024 | 6.7% |
| Mar 2025 | 7.0% |
Where the money went
Q2 FY26, from revenue to net income
Isabella Bank brought in $30.6M of revenue in Q2 FY26, +13.6% on a year earlier. 16¢ of every dollar became profit.
- Revenue
- $30.6M
- Costs, expenses and taxes
- $25.6M
- Net income
- $5.0M
- Net margin
- 16.5%
Income statement
Revenue and profit by reporting period
| Line item | Q4 FY25 | Q1 FY26 | Q2 FY26 |
|---|---|---|---|
| Revenue | $29.7M | $29.5M | $30.6M |
| Gross profit | $21.2M | $21.2M | $22.5M |
| Operating income | $6.8M | $6.0M | $6.2M |
| Net income | $4.7M | $5.0M | $5.0M |
| Diluted EPS | $0.64 | $0.68 | $0.69 |
Balance sheet
What the company owns and owes at period end
| Line item | Sep 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|
| Total assets | $2.1B | $2.1B | $2.1B |
| Total liabilities | $1.9B | $1.9B | $1.9B |
| Shareholder equity | $0.2B | $0.2B | $0.2B |
| Total debt | $0.1B | $0.1B | $0.1B |
Cash flow
Cash in and out from operations, investing and financing
| Line item | Q4 FY25 | Q1 FY26 | Q2 FY26 |
|---|---|---|---|
| Operating cash flow | $11.5M | $3.8M | $7.7M |
| Investing cash flow | −$88.7M | −$18.4M | $21.6M |
| Financing cash flow | −$58.1M | $38.7M | −$37.6M |
| Capital expenditure | −$0.9M | −$0.5M | −$0.4M |
| Free cash flow | $10.6M | $3.2M | $7.3M |
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