Isabella Bank Corporation (ISBA) Earnings History
Annual and quarterly earnings data from 1995 to 2025
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ISBA EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
ISBA Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 70.6% | 19.8% | 16.9% |
| 2024 | 64.6% | 16.1% | 13.7% |
| 2023 | 75.4% | 24.1% | 20.0% |
| 2022 | 92.4% | 35.1% | 29.0% |
| 2021 | 90.3% | 32.8% | 27.4% |
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Isabella Bank Corporation (ISBA) Earnings Overview
As of May 8, 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% |
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Start ComparisonISBA — Frequently Asked Questions
Quick answers to the most common questions about buying ISBA stock.
Is ISBA growing earnings?
ISBA EPS is $2.56, with earnings growth accelerating to +37.6%. This exceeds the 5-year CAGR of +13.8%. TTM net income reached $19M.
What are ISBA's profit margins?
Isabella Bank Corporation net margin is +16.9%, with operating margin at +19.8%. Above-average margins indicate pricing power.
How consistent are ISBA's earnings?
ISBA earnings data spans 1995-2025. The accelerating earnings trend is +37.6% YoY. Historical data enables comparison across business cycles.