Isabella Bank Corporation (ISBA) Earnings History
Growth Compounder31 years of earnings data (1995–2025) · Consistent double-digit EPS growth over 5 years
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Isabella Bank Corporation (ISBA) Earnings Overview
As of June 23, 2026, Isabella Bank Corporation (ISBA) reported trailing twelve-month net income of $19M, reflecting +37.6% year-over-year growth. The company earned $2.56 per diluted share over the past four quarters, with a net profit margin of 16.9%.
Looking at the long-term picture, ISBA's 5-year EPS compound annual growth rate (CAGR) stands at +13.8%, showing solid earnings momentum. The company achieved its highest annual net income of $22M in fiscal 2022.
Isabella Bank Corporation maintains industry-leading profitability with a gross margin of 70.6%, operating margin of 19.8%, and net margin of 16.9%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including MBWM ($89M net income, 23.9% margin), CFFI ($27M net income, 14.4% margin), CZWI ($14M net income, 16.0% margin), ISBA has room to improve margins relative to the peer group. Compare ISBA vs MBWM →
ISBA Earnings vs Peers
Earnings metrics vs comparable public companies
ISBA Historical Earnings Data (1995–2025)
31 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $19M | +36.2% | $22M | $2.56 | 16.9% | 19.8% |
| 2024 | $14M | -23.5% | $16M | $1.86 | 13.7% | 16.1% |
| 2023 | $18M | -18.3% | $22M | $2.40 | 20.0% | 24.1% |
| 2022 | $22M | +14.0% | $27M | $2.91 | 29.0% | 35.1% |
| 2021 | $19M | +79.1% | $23M | $2.45 | 27.4% | 32.8% |
| 2020 | $11M | -16.4% | $12M | $1.34 | 14.4% | 15.7% |
| 2019 | $13M | -7.1% | $14M | $1.61 | 17.1% | 18.9% |
| 2018 | $14M | +5.9% | $15M | $1.74 | 19.3% | 21.2% |
| 2017 | $13M | -4.1% | $16M | $1.65 | 19.7% | 24.1% |
| 2016 | $14M | -8.8% | $16M | $1.73 | 22.2% | 26.0% |
| 2015 | $15M | +10.2% | $18M | $1.90 | 25.1% | 30.5% |
| 2014 | $14M | +9.7% | $16M | $1.74 | 22.9% | 26.8% |
| 2013 | $13M | +2.5% | $15M | $1.59 | 20.8% | 24.5% |
| 2012 | $12M | +19.5% | $15M | $1.56 | 18.2% | 21.7% |
| 2011 | $10M | +12.9% | $12M | $1.31 | 15.5% | 17.5% |
| 2010 | $9M | +16.0% | $11M | $1.17 | 13.6% | 16.0% |
| 2009 | $8M | +90.2% | $9M | $1.01 | 11.4% | 12.7% |
| 2008 | $4M | -48.3% | $3M | $0.53 | 5.9% | 4.9% |
| 2007 | $8M | +13.3% | $10M | $1.11 | 12.4% | 14.9% |
| 2006 | $7M | +3.3% | $9M | $0.98 | 23.7% | 30.2% |
| 2005 | $7M | +2.0% | $9M | $1.04 | 30.5% | 39.3% |
| 2004 | $7M | -7.8% | $9M | $1.02 | 34.3% | 44.0% |
| 2003 | $7M | +4.0% | $9M | $1.24 | 29.2% | 37.5% |
| 2002 | $7M | +14.2% | $9M | $1.10 | 28.4% | 37.8% |
| 2001 | $6M | +11.7% | $8M | $1.07 | 23.1% | 31.5% |
| 2000 | $5M | +3.6% | $8M | $0.96 | 23.2% | 32.2% |
| 1999 | $5M | +44.3% | $7M | $1.04 | 24.8% | 34.5% |
| 1998 | $4M | +0.7% | $5M | $0.29 | 23.1% | 31.8% |
| 1997 | $4M | +8.1% | $5M | $0.95 | 27.7% | 39.2% |
| 1996 | $3M | +12.9% | $5M | $0.89 | 26.4% | 36.6% |
| 1995 | $3M | - | $4M | $0.88 | 25.9% | 35.2% |
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ISBA — Frequently Asked Questions
Quick answers to the most common questions about buying ISBA stock.
What is ISBA earnings per share (EPS)?
ISBA trailing twelve-month (TTM) diluted EPS is $2.56, reflecting +37.6% year-over-year growth. The 5-year EPS CAGR is +13.8%. Complete EPS history from 1995 to 2025 is available in the table on this page.
What is Isabella Bank Corporation's net income?
Isabella Bank Corporation (ISBA) trailing twelve-month net income is $19M as of 2025. Earnings grew +37.6% year-over-year. Isabella Bank Corporation has been profitable for 31 consecutive years.
Is ISBA profitable?
Yes, ISBA is profitable with a TTM net income of $19M and a net profit margin of +16.9%. Isabella Bank Corporation has generated profits for 31 consecutive years.
What is ISBA's earnings growth rate?
ISBA compound annual EPS growth rates (CAGR): 1-Year: +37.6%, 3-Year: -4.2%, 5-Year: +13.8%, 10-Year: +3.0%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1995 to 2025.
What are ISBA's profit margins?
Isabella Bank Corporation net profit margin is +16.9%, operating margin is +19.8%, and gross margin is +70.6%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +8.6%.
Is ISBA growing earnings?
Yes, ISBA earnings are accelerating — EPS growth of +37.6% exceeds the 5-year CAGR of +13.8%. TTM net income reached $19M. Earnings momentum is strengthening.
What was ISBA's best earnings year?
Isabella Bank Corporation's highest annual net income on record is $22M, achieved in fiscal year 2022. Earnings history on this page spans 1995 to 2025 and includes all annual and quarterly figures.
What were ISBA's earnings last quarter?
ISBA's most recent reported quarter was Q4 2025. Net income was $5M with diluted EPS of $0.64. For a full breakdown of all quarters, see the quarterly earnings table on this page.