# Isabella Bank Corp (ISBA) · Edgar & Edgarette company card

> Isabella Bank (ISBA) grew revenue 5.0% in FY2018 to $6 million, equity 10.6% of assets. Every figure is from the company’s own annual report filed with the SEC.

SEC CIK 842517 · fiscal year ended 2018-12-31 · 3 audited years read · [page](https://www.pops4.com/boards/company/ISBA) · [JSON](https://www.pops4.com/boards/company/ISBA.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $6M |
| Revenue growth, 1 year | 5.0% |
| Revenue growth per year | 4.4% |
| Operating margin | — |
| Net margin | 247.9% |
| Operating cash flow | $22M |
| Capital spending | $2M |
| Free cash flow | $20M |
| Cash | $73M |
| Long-term debt | $340M |
| Total assets | $1.8B |
| Total equity | $196M |
| Equity ÷ assets | 10.6% |
| Return on equity | 7.2% |
| Dividend per share | $1.12 |
| Dividend years rising | 0 |

## Readings, computed from those figures

- Piotroski F: 7 of 9 (solid)
- Health Harbor boat: Sound ship · one warning sign · revenue is hard to predict: its 80% range is ±28%

## Edgarette's reading

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%.

## Health Watch, last 12 months

- Item 5.02 Director or officer change: 3, latest 2026-08-14 ([filing](https://www.sec.gov/Archives/edgar/data/842517/000084251726000184/0000842517-26-000184-index.htm))

## Recent filings

- 8-K · filed 2026-11-02 · 2.01 Completion of Acquisition or Disposition of Assets; 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/842517/000084251726000238/0000842517-26-000238-index.htm)
- 10-Q · filed 2026-10-30 · [filing](https://www.sec.gov/Archives/edgar/data/842517/000084251726000236/0000842517-26-000236-index.htm)
- 8-K · filed 2026-10-29 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/842517/000084251726000233/0000842517-26-000233-index.htm)
- 8-K · filed 2026-10-06 · 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/842517/000084251726000227/0000842517-26-000227-index.htm)
- 8-K · filed 2026-09-28 · 8.01 Other Events · [filing](https://www.sec.gov/Archives/edgar/data/842517/000084251726000224/0000842517-26-000224-index.htm)
- 8-K · filed 2026-09-21 · 8.01 Other Events · [filing](https://www.sec.gov/Archives/edgar/data/842517/000084251726000222/0000842517-26-000222-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0000842517.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=842517

## Cite

POPS4, Edgar & Edgarette: Isabella Bank Corp (ISBA) company card, from the company's own SEC filings, accessed 2026-11-03, https://www.pops4.com/boards/company/ISBA. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

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.