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Isabella Bank Corporation(ISBA)Earnings, Financials & Key Ratios
ISBA•NASDAQ•Banking & Credit
15.7× P/E·Price updated Jun 19, 2026
AboutIsabella 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.Show more
- Net Interest Income$63M+12.0%
- Total Revenue$112M+10.1%
- Net Income$19M+36.2%
- Return on Equity8.56%+27.2%
- Net Interest Margin2.83%+5.8%
- Efficiency Ratio50.84%+4.9%
- ROA0.88%+31.4%
- Equity / Assets10.47%+3.9%
- Book Value per Share31.35+11.6%
ISBA Key Insights
Isabella Bank Corporation (ISBA) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 8/9
- ✓Efficient operations: 50.8% efficiency ratio
- ✓Well capitalized: 10.5% equity/assets
- ✓Healthy dividend yield of 2.7%
- ✓Trading at only 1.3x book value
✗Weaknesses
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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ISBA Price & Volume
Isabella Bank Corporation (ISBA) stock price & volume — 10-year historical chart
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ISBA Growth Metrics
Isabella Bank Corporation (ISBA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.39%
5 Years8.13%
3 Years13.52%
TTM-
Profit CAGR
10 Years2.26%
5 Years11.68%
3 Years-5.26%
TTM36.15%
EPS CAGR
10 Years3.03%
5 Years13.82%
3 Years-4.18%
TTM37.63%
Return on Capital
10 Years5.39%
5 Years7.46%
3 Years5.93%
Last Year3.41%
ISBA Recent Earnings
Isabella Bank Corporation (ISBA) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (36%)●Beat Revenue 2/12 qtrs (18%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.68-12.8%
$0.78
Rev
$21M-1.0%
$22M
Q2 2026
Mar 13, 2026Metric
Actual
Est
EPS
$0.64
—
Rev
$31M
—
Q1 2026
Feb 5, 2026Metric
Actual
Est
EPS
$0.64-13.5%
$0.74
Rev
$30M+41.5%
$21M
Q4 2025
Oct 27, 2025Metric
Actual
Est
EPS
$0.71+18.3%
$0.60
Rev
$20M+0.4%
$20M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.68vs $0.78-12.8% | $21Mvs $22M-1.0% |
| Q2 2026 | Mar 13, 2026 | $0.64 | $31M |
| Q1 2026 | Feb 5, 2026 | $0.64vs $0.74-13.5% | $30Mvs $21M+41.5% |
| Q4 2025 | Oct 27, 2025 | $0.71vs $0.60+18.3% | $20Mvs $20M+0.4% |
Based on last 12 quarters of dataView full earnings history →
ISBA Peer Comparison
Isabella Bank Corporation (ISBA) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 MBWM | 928.5M | 53.75 | 9.84 | 2.74% | 23.87% | 13.54% | 1.14 | |
 CFFI | 255.12M | 78.36 | 9.45 | 11.78% | 14.6% | 10.82% | 0.44 | |
 CZWI | 205.47M | 21.34 | 14.62 | -9.41% | 16.01% | 7.81% | 0.28 | |
 BWFG | 447.93M | 56.18 | 12.62 | 6.13% | 16.95% | 12.21% | 0.60 | |
 LKFN | 1.56B | 59.86 | 14.93 | -1.93% | 24.51% | 14.19% | 0.24 | |
 IBCP | 706.3M | 34.31 | 10.49 | -0.3% | 22.12% | 14.2% | 0.23 | |
 UVSP | 1.19B | 41.64 | 13.18 | 3.58% | 17.51% | 9.82% | 0.37 | |
 CHCO | 1.82B | 127.12 | 14.22 | 5.62% | 33.28% | 16.68% | 0.64 |
Compare ISBA vs Peers
Isabella Bank Corporation (ISBA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ISBA Income Statement
Isabella Bank Corporation (ISBA) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 45.92M | 48.23M | 49.45M | 50.35M | 52.7M | 60.48M | 57.94M | 55.84M | 62.54M |
NII Growth % | 7.28% | 5.04% | 2.51% | 1.82% | 4.68% | 14.76% | -4.19% | -3.64% | 12.02% |
Net Interest Margin % | 2.53% | 2.63% | 2.73% | 2.57% | 2.59% | 2.98% | 2.81% | 2.68% | 2.83% |
Interest Income | 58.41M | 63.86M | 67.31M | 64.17M | 60.11M | 65.8M | 79.63M | 89.98M | 96.03M |
Interest Expense | 12.49M | 15.63M | 17.86M | 13.82M | 7.41M | 5.32M | 21.69M | 34.14M | 33.49M |
Loan Loss Provision | 253K | 978K | 30K | 1.67M | -518K | 483K | 629K | 1.88M | -563K |
Non-Interest Income | 8.94M | 8.65M | 9.03M | 11.58M | 11.16M | 10.75M | 11.13M | 11.73M | 15.97M |
Non-Interest Income % | 13.27% | 11.93% | 11.83% | 15.29% | 15.66% | 14.05% | 12.27% | 11.54% | 14.26% |
Total Revenue | 67.35M▲ 0% | 72.52M▲ 7.7% | 76.34M▲ 5.3% | 75.75M▼ 0.8% | 71.28M▼ 5.9% | 76.55M▲ 7.4% | 90.76M▲ 18.6% | 101.71M▲ 12.1% | 112M▲ 10.1% |
Revenue Growth % | 8.34% | 7.67% | 5.27% | -0.77% | -5.91% | 7.4% | 18.57% | 12.06% | 10.11% |
Non-Interest Expense | 38.35M | 40.53M | 44.04M | 48.39M | 41.03M | 43.91M | 46.62M | 49.29M | 56.94M |
Efficiency Ratio | 56.94% | 55.88% | 57.69% | 63.88% | 57.57% | 57.36% | 51.36% | 48.46% | 50.84% |
Operating Income | 16.25M▲ 0% | 15.38M▼ 5.3% | 14.4M▼ 6.4% | 11.87M▼ 17.6% | 23.35M▲ 96.7% | 26.84M▲ 15.0% | 21.83M▼ 18.7% | 16.4M▼ 24.9% | 22.13M▲ 35.0% |
Operating Margin % | 24.13% | 21.21% | 18.87% | 15.67% | 32.76% | 35.07% | 24.05% | 16.12% | 19.76% |
Operating Income Growth % | 0.66% | -5.35% | -6.37% | -17.58% | 96.66% | 14.98% | -18.67% | -24.89% | 34.98% |
Pretax Income | 16.25M▲ 0% | 15.38M▼ 5.3% | 14.4M▼ 6.4% | 11.87M▼ 17.6% | 23.35M▲ 96.7% | 26.84M▲ 15.0% | 21.83M▼ 18.7% | 16.4M▼ 24.9% | 24.12M▲ 47.1% |
Pretax Margin % | 24.13% | 21.21% | 18.87% | 15.67% | 32.76% | 35.07% | 24.05% | 16.12% | 21.54% |
Income Tax | 3.02M | 1.36M | 1.38M | 987K | 3.85M | 4.61M | 3.67M | 2.51M | 5.21M |
Effective Tax Rate % | 18.56% | 8.86% | 9.58% | 8.31% | 16.48% | 17.16% | 16.79% | 15.3% | 21.61% |
Net Income | 13.24M▲ 0% | 14.02M▲ 5.9% | 13.02M▼ 7.1% | 10.88M▼ 16.4% | 19.5M▲ 79.1% | 22.24M▲ 14.0% | 18.17M▼ 18.3% | 13.89M▼ 23.5% | 18.91M▲ 36.2% |
Net Margin % | 19.65% | 19.33% | 17.06% | 14.37% | 27.36% | 29.05% | 20.02% | 13.66% | 16.88% |
Net Income Growth % | -4.07% | 5.92% | -7.11% | -16.42% | 79.14% | 14.05% | -18.31% | -23.55% | 36.15% |
Net Income (Continuing) | 13.24M | 14.02M | 13.02M | 10.88M | 19.5M | 22.24M | 18.17M | 13.89M | 18.91M |
EPS (Diluted) | 1.65▲ 0% | 1.74▲ 5.5% | 1.61▼ 7.5% | 1.34▼ 16.8% | 2.45▲ 82.8% | 2.91▲ 18.8% | 2.40▼ 17.5% | 1.86▼ 22.5% | 2.56▲ 37.6% |
EPS Growth % | -4.62% | 5.45% | -7.47% | -16.77% | 82.84% | 18.78% | -17.53% | -22.5% | 37.63% |
EPS (Basic) | 1.69 | 1.78 | 1.65 | 1.37 | 2.48 | 2.95 | 2.42 | 1.86 | 2.56 |
Diluted Shares Outstanding | 8.03M | 8.07M | 8.1M | 8.11M | 7.97M | 7.65M | 7.58M | 7.48M | 7.38M |
ISBA Balance Sheet
Isabella Bank Corporation (ISBA) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 583.15M | 568.3M | 490.41M | 585.87M | 595.93M | 619.4M | 561.82M | 253.03M | 520.73M |
Cash & Due from Banks | 30.85M | 73.47M | 60.57M | 246.64M | 105.33M | 38.92M | 33.67M | 24.54M | 22.93M |
Short Term Investments | 552.31M | 494.83M | 429.84M | 339.23M | 490.6M | 580.48M | 528.15M | 228.49M | 497.79M |
Total Investments | 1.66B | 1.64B | 1.63B | 1.59B | 1.8B | 1.85B | 1.86B | 1.9B | 2.03B |
Investments Growth % | 4.82% | -1.24% | -0.58% | -2.64% | 13.46% | 2.73% | 0.73% | 1.9% | 6.87% |
Long-Term Investments | 1.11B | 1.15B | 1.2B | 1.25B | 1.31B | 1.27B | 1.34B | 1.67B | 1.82B |
Accounts Receivables | 7.06M | 6.93M | 6.5M | 21.06M | 19.98M | 33.59M | 35.13M | 0 | 0 |
Goodwill & Intangibles | 48.55M | 48.45M | 48.38M | 48.33M | 48.3M | 48.29M | 48.28M | 48.28M | 96.56M |
Goodwill | 48.28M | 48.28M | 48.28M | 48.28M | 48.28M | 48.28M | 48.28M | 48.28M | 48.28M |
Intangible Assets | 265K | 169K | 97K | 49K | 20K | 5K | 2K | 1K | 48.28M |
PP&E (Net) | 28.45M | 27.82M | 26.24M | 25.14M | 24.42M | 25.55M | 27.64M | 27.66M | 29M |
Other Assets | 37.08M | 45.37M | 39.95M | 28.29M | 32.47M | 32.99M | 49.74M | 85.81M | -1.82B |
Total Current Assets | 590.22M | 575.23M | 496.91M | 606.92M | 615.91M | 652.99M | 596.95M | 253.03M | 520.73M |
Total Non-Current Assets | 1.22B | 1.26B | 1.32B | 1.35B | 1.42B | 1.38B | 1.46B | 1.83B | 77.28M |
Total Assets | 1.81B▲ 0% | 1.84B▲ 1.3% | 1.81B▼ 1.3% | 1.96B▲ 7.9% | 2.03B▲ 3.8% | 2.03B▼ 0.1% | 2.06B▲ 1.4% | 2.09B▲ 1.3% | 2.21B▲ 5.9% |
Asset Growth % | 4.68% | 1.33% | -1.26% | 7.89% | 3.82% | -0.09% | 1.41% | 1.32% | 5.91% |
Return on Assets (ROA) | 0.75% | 0.77% | 0.71% | 0.58% | 0.98% | 1.09% | 0.89% | 0.67% | 0.88% |
Accounts Payable | 8.09M | 13.99M | 12.61M | 13.73M | 11.45M | 12.77M | 0 | 0 | 0 |
Total Debt | 344.88M | 340.3M | 276M | 158.75M | 99.32M | 87.02M | 116.14M | 112.99M | 142.51M |
Net Debt | 314.03M | 266.83M | 215.43M | -87.89M | -6.01M | 48.09M | 82.46M | 88.45M | 119.58M |
Long-Term Debt | 290M | 300M | 245M | 90M | 49.16M | 29.25M | 69.33M | 59.42M | 74.51M |
Short-Term Debt | 54.88M | 40.3M | 31M | 68.75M | 50.16M | 57.77M | 46.8M | 53.57M | 68M |
Other Liabilities | -8.09M | 0 | 0 | 0 | 0 | 0 | 16.73M | 15.91M | 706.38M |
Total Current Liabilities | 1.34B | 1.35B | 1.36B | 1.65B | 1.77B | 1.81B | 1.77B | 1.8B | 1.2B |
Total Non-Current Liabilities | 281.91M | 300M | 245M | 90M | 49.16M | 29.25M | 86.07M | 75.34M | 780.89M |
Total Liabilities | 1.62B | 1.64B | 1.6B | 1.74B | 1.82B | 1.84B | 1.86B | 1.88B | 1.98B |
Total Equity | 194.91M▲ 0% | 195.52M▲ 0.3% | 210.18M▲ 7.5% | 218.59M▲ 4.0% | 211.05M▼ 3.4% | 186.21M▼ 11.8% | 202.4M▲ 8.7% | 210.28M▲ 3.9% | 231.4M▲ 10.0% |
Equity Growth % | 3.73% | 0.32% | 7.5% | 4% | -3.45% | -11.77% | 8.7% | 3.89% | 10.04% |
Equity / Assets (Capital Ratio) | 10.75% | 10.64% | 11.59% | 11.17% | 10.39% | 9.17% | 9.83% | 10.08% | 10.47% |
Return on Equity (ROE) | 6.92% | 7.18% | 6.42% | 5.08% | 9.08% | 11.2% | 9.35% | 6.73% | 8.56% |
Book Value per Share | 24.26 | 24.22 | 25.96 | 26.97 | 26.49 | 24.35 | 26.72 | 28.10 | 31.35 |
Tangible BV per Share | 18.22 | 18.22 | 19.99 | 21.00 | 20.43 | 18.03 | 20.35 | 21.65 | 18.27 |
Common Stock | 140.28M | 140.42M | 141.07M | 142.25M | 129.05M | 128.65M | 127.32M | 126.22M | 123.2M |
Additional Paid-in Capital | 140.28M | 140.42M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Retained Earnings | 51.73M | 57.36M | 62.1M | 64.46M | 75.59M | 89.75M | 97.28M | 103.02M | 113.85M |
Accumulated OCI | -2.6M | -7.68M | 1.97M | 7.7M | 1.86M | -37.19M | -25.9M | -21.36M | -5.66M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
ISBA Cash Flow Statement
Isabella Bank Corporation (ISBA) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 19.67M | 21.96M | 23.3M | 22M | 25.5M | 26.94M | 24.18M | 19.64M | 26.82M |
Operating CF Growth % | -2.83% | 11.67% | 6.1% | -5.6% | 15.93% | 5.63% | -10.23% | -18.8% | 36.56% |
Net Income | 13.24M | 14.02M | 13.02M | 10.88M | 19.5M | 22.24M | 18.17M | 13.89M | 18.91M |
Depreciation & Amortization | 3.36M | 3.25M | 3.29M | 3.17M | 2.94M | 2.07M | 1.98M | 2.09M | 0 |
Deferred Taxes | 2.84M | 275K | 408K | -276K | -523K | 13K | 1.01M | -310K | 0 |
Other Non-Cash Items | 1.79M | 3.19M | 3.91M | 8.63M | 2.15M | 2.56M | 1.57M | 1.99M | 1.13M |
Working Capital Changes | -2.18M | 608K | 2.15M | -423K | 1.35M | -553K | 669K | 1.51M | 6.77M |
Cash from Investing | -81.7M | 6.52M | 15.48M | 45.13M | -229.63M | -106.2M | -26.25M | -37.87M | -115.88M |
Purchase of Investments | -107.44M | -35.86M | -40.3M | -29.09M | -262.68M | -210.91M | -11.49M | -7.42M | 0 |
Sale/Maturity of Investments | 110.44M | 83.54M | 115.38M | 125.7M | 100.29M | 68.96M | 75.09M | 48.53M | 0 |
Net Investment Activity | 3M | 47.68M | 75.08M | 96.61M | -162.39M | -141.96M | 63.6M | 41.1M | 0 |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -82.67M | -38.86M | -58.27M | -49.96M | -65.65M | 38.96M | -85.78M | -76.86M | -115.88M |
Cash from Financing | 69.99M | 14.14M | -51.68M | 118.94M | 62.82M | 12.91M | -3.19M | 9.1M | 90.56M |
Dividends Paid | -7.99M | -8.17M | -8.28M | -8.52M | -8.37M | -8.08M | -8.22M | -8.15M | -8.09M |
Share Repurchases | -5.6M | -7.41M | -5.13M | -4.29M | -14.95M | -2.31M | -5.04M | -4.41M | -4.71M |
Stock Issued | 6.18M | 6.86M | 4.88M | 4.18M | 1.59M | 1.76M | 1.62M | 1.52M | 1.33M |
Net Stock Activity | 576K | -544K | -258K | -109K | -13.35M | -551K | -3.42M | -2.88M | -3.38M |
Debt Issuance (Net) | 1000K | -1000K | -1000K | -1000K | -1000K | -1000K | 1000K | -1000K | 1000K |
Other Financing | 70.22M | 27.43M | 11.86M | 290.21M | 125.44M | 33.94M | -20.58M | 23.36M | 72.59M |
Net Change in Cash | 7.95M▲ 0% | 42.62M▲ 435.9% | -12.9M▼ 130.3% | 186.07M▲ 1542.5% | -141.31M▼ 175.9% | -66.41M▲ 53.0% | -5.25M▲ 92.1% | -9.13M▼ 73.8% | 1.5M▲ 116.4% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 22.89M | 30.85M | 73.47M | 60.57M | 246.64M | 105.33M | 38.92M | 33.67M | 24.54M |
Cash at End | 30.85M | 73.47M | 60.57M | 246.64M | 105.33M | 38.92M | 33.67M | 24.54M | 26.04M |
Interest Paid | 12.39M | 15.48M | 17.83M | 14.2M | 7.6M | 5.31M | 21.05M | 33.98M | 33.48M |
Income Taxes Paid | 3.12M | 50K | 745K | 846K | 4.05M | 4.42M | 2.35M | 2.06M | 2.2M |
Free Cash Flow | 17.63M▲ 0% | 19.66M▲ 11.5% | 21.97M▲ 11.8% | 20.48M▼ 6.8% | 23.91M▲ 16.7% | 23.73M▼ 0.7% | 20.12M▼ 15.2% | 17.53M▼ 12.9% | 23.34M▲ 33.1% |
FCF Growth % | 7.26% | 11.5% | 11.75% | -6.78% | 16.74% | -0.74% | -15.23% | -12.86% | 33.12% |
ISBA Banking Ratios
Isabella Bank Corporation (ISBA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 7.42% | 6.92% | 7.18% | 6.42% | 5.08% | 9.08% | 11.2% | 9.35% | 6.73% | 8.56% |
Return on Assets (ROA) | 0.81% | 0.75% | 0.77% | 0.71% | 0.58% | 0.98% | 1.09% | 0.89% | 0.67% | 0.88% |
Net Interest Margin | 2.47% | 2.53% | 2.63% | 2.73% | 2.57% | 2.59% | 2.98% | 2.81% | 2.68% | 2.83% |
Efficiency Ratio | 56.77% | 56.94% | 55.88% | 57.69% | 63.88% | 57.57% | 57.36% | 51.36% | 48.46% | 50.84% |
Equity / Assets | 10.85% | 10.75% | 10.64% | 11.59% | 11.17% | 10.39% | 9.17% | 9.83% | 10.08% | 10.47% |
Book Value / Share | 23.49 | 24.26 | 24.22 | 25.96 | 26.97 | 26.49 | 24.35 | 26.72 | 28.1 | 31.35 |
NII Growth | 3.54% | 7.28% | 5.04% | 2.51% | 1.82% | 4.68% | 14.76% | -4.19% | -3.64% | 12.02% |
Dividend Payout | 55.4% | 60.36% | 58.26% | 63.59% | 78.31% | 42.91% | 36.34% | 45.22% | 58.66% | 42.76% |
Related:ISBA Dividend History·ISBA Revenue History·ISBA Price History·ISBA P/E History·ISBA Financial Ratios·ISBA Institutional Holders
ISBA SEC Filings & Documents
Isabella Bank Corporation (ISBA) SEC filings — annual & quarterly reports (10-K, 10-Q)
ISBA Frequently Asked Questions
Isabella Bank Corporation (ISBA) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Isabella Bank Corporation (ISBA) grew revenue by 10.1% over the past year. This is steady growth.
Yes, Isabella Bank Corporation (ISBA) is profitable, generating $18.9M in net income for fiscal year 2025 (16.9% net margin).
Dividend & Returns
Yes, Isabella Bank Corporation (ISBA) pays a dividend with a yield of 2.72%. This makes it attractive for income-focused investors.
Isabella Bank Corporation (ISBA) has a return on equity (ROE) of 8.6%. This is below average, suggesting room for improvement.
Industry Metrics
Isabella Bank Corporation (ISBA) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.
Isabella Bank Corporation (ISBA) has an efficiency ratio of 50.8%. This is excellent, indicating strong cost control.