ISABELLA BANK CORP

ISBA · Micro cap · Calculated market cap · $285.9M · as of 2026-09-30

Company Stats

Market Cap: $285.9M; as of Sep 30, 2026
Enterprise Value: $402.3M
Shares Outstanding: 7.6M
Free Float: 93.7%

Income Statement

Net Income: $18.9M

Cash Flow

Free Cash Flow: $23.3M
FCF Yield: 8.2%
Owner FCF Yield: 8.0%

Balance Sheet

Cash & Equivalents: $26.0M
Total Debt: $142.5M
Net Debt: $116.5M

Returns & Capital

Dividends Paid: $8.1M
Dividend Yield: 2.8%
Dividend Payout, 3Y Avg: 48.9%
Share Repurchases: $4.7M
Buyback Yield, 3Y Avg: 1.3%
SBC, 3Y Avg: $533,000

Cash Flow by Year

Year	Revenue	FCF	Margin
FY2025	—	$23.3M	—
FY2024	—	$17.5M	—
FY2023	—	$20.1M	—
FY2022	—	$23.7M	—
FY2021	—	$23.9M	—

Annual filing data through FY ended December 31, 2025; shares and float as of October 7, 2026. Yields and enterprise value use the calculated market cap above, at its as-of date. Ratios are our calculations from reported figures.

Company RSS

Earnings

Oct 29, 2026Isabella Bank Extends Margin Expansion to Record Profit

Other Coverage

November 8, 2026 Weekly Deals

Micro-Cap Deals Roundup for Week of Nov. 2, 2026 November 3, 2026 Deals

Isabella Bank Completes Grand River Commerce Merger October 11, 2026 Weekly Deals

Micro-Cap Deals Roundup for Week of Oct. 5, 2026 September 28, 2026 QBook

Stronger demand supports expansion as pricing diverges August 14, 2026 Industry Earnings Roundup

Banks Post Broad Loan Growth as Funding Costs Ease July 23, 2026 Deals

Isabella Bank Signs Grand River Commerce Merger June 15, 2026 Deals

Isabella Bank to Acquire Grand River Commerce in $54.6 Million Deal

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