Sound shipIsabella Bank $ISBA
Grew revenue 5.0% in FY2018 to $6 million, equity 10.6% of assets.
Last filing8-K · Item 2.01 Completion of Acquisition or Disposition of Assets, 2 Nov 2026
Edgarette’s full reading · exposure, experience, soundness, credibility, range
🫧 Edgar looked up Isabella Bank Corp ($ISBA). Last filing: 8-K (2.01 Completion of Acquisition or Disposition of Assets), 2026-11-02. 19 event filings (8-K) in the past twelve months. Auditor change (8-K Item 4.01) filed 2025-01-31.
🔖 Exposure: revenue $5.7M (FY2018), total debt $340.3M. Experience: revenue up 5.0% on the year, up 4.4% a year over 2 years. Soundness: equity 10.6% of assets, return on equity 7.2%, payout 58.3% of profit. Credibility: 3 audited years, moderate weight. Range: 80% of past cases like this landed between $4.3M and $7.8M next year (method v3, set from 749 SEC company-years; on a year the method never saw, 83% landed inside). A statistical range, not company guidance. Against peers (31 filers, $50M+ revenue, state commercial banks): growth 5.0% against 7.5%.
Read from its own SEC filings · nothing written, nothing inferred
Gold paid out, navy kept. Kept share × return on equity = the growth it can fund itself. Facts from the filings, not a recommendation.
Cash
| Cash flow (op · inv · fin · free) | $22M · $7M · $14M · $20M |
| Investment book (cash · short · long) | $73M · — · — |
The figures, as filed
| Fiscal year end | 2018-12-31 |
| Revenue | $6M |
| Revenue, on the year | 5.0% |
| Revenue, a year over the record | 4.4% |
| Operating margin | — |
| Operating margin, prior year | — |
| Net margin | 247.9% |
| Research and development | not filed separately |
| Total debt | $340M |
| Equity of assets | 10.6% |
| Return on equity | 7.2% |
| Payout of profit | 58.3% |
| Dividend per share | $1.12 |
| Earnings per share | $1.78 |
| Book value per share | $24.22 |
| Revenue per share | $0.70 |
| Shares outstanding | 8,072,848 |
| Audited years read | 3 |
Peers: the median of 31 filers with $50M+ revenue in state commercial banks.
Classic signals · fiscal 2018Altman Z″ not covered: built for industrial balance sheets, not banks or insurersPiotroski F 7 of 9 solid 2000Beneish M not covered: built for industrial filersSloan accruals -0.4% earnings backed by cash 1996DuPont ROE 7.2% = margin 247.9% × turns 0 × leverage 9.36
What a terminal subscription used to buy, a filing and arithmetic now give anyone. Published method, from the same filings. Display only: nothing here moves the range or its receipt. Why? →
Health HarborIsabella Bank sails as: Sound ship
Health watch · 12 monthsDirector or officer change ×3
No growth figure to set the speed.
🌊 Visit the Bay →- revenue is hard to predict: its 80% range is ±28%
Boat condition = number of warning signs: a serious warning filing in 12 months; liabilities over assets; slow and jumpy; negative operating cash; an operating loss; negative free cash flow outside regulated utilities; an 80% revenue range of ±25% or wider. A picture of the signs, not a rating and not investment advice.
- 8-K · 2026-11-02 · 2.01 Completion of Acquisition or Disposition of Assets; 8.01 Other Events; 9.01 Financial Statements and Exhibits
- 10-Q · 2026-10-30
- 8-K · 2026-10-29 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits
- 8-K · 2026-10-06 · 8.01 Other Events; 9.01 Financial Statements and Exhibits
- 8-K · 2026-09-28 · 8.01 Other Events
- 8-K · 2026-09-21 · 8.01 Other Events
Its latest audited year is FY2025, which reports no revenue; the revenue figures and the range here are from FY2018, its last year with revenue on record. Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price. Reporting, not investment advice. No price targets and no trading recommendations. Figures from the SEC’s own data · every filing · this page as JSON · ask about another company