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Isabella Bank (ISBA) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Oct 30, 2026 · Isabella Bank (ISBA) Q3 2026 earnings results →

Q3 2026 Revenue up 17% year over year to $23.9M · 28¢ of every $1 of revenue kept as net profit · operating margin 34.4%

Isabella Bank made $23.9M in Q3 2026 (+17% Y/Y): Net interest income $19.4M, Noninterest income $4.6M. Operating margin 34.4%, net earnings $6.6M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 30, 2026.

Revenue$23.9M
Year over year+17%
Operating margin34.4%
Net earnings$6.6M
Operating cash flow$5.4M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $23.9M in Q3 2026, up 17% year over year and up 7% from the previous quarter. Net interest income was the largest line at 81% of revenue. Net interest income added $3.2M year over year (up 20%), 93% of the total change.

Operating profit was $8.2M, a 34.4% margin (up 3.8 points year over year). Of the extra revenue versus a year earlier, 57% reached operating profit, above the 31% margin then. Total costs grew 11% against revenue growth of 17%. The fastest-growing cost line was Noninterest expense (+12%). Net earnings were $6.6M, up 26% year over year. The effective tax rate was 19.9%.

Operating cash flow was $5.4M (up 220% year over year), 82% of net earnings. Non-cash charges added back $586K of depreciation and $48K of share-based compensation. Working capital and other items used $1.8M. Capital expenditures of $550K left free cash flow of $4.9M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QOct 30, 2026$23.9M+17%34.4%$6.6M$5.4M

Charts

Isabella Bank: where the cash came from (+) and went (−), TTM to Q3 2026Isabella Bank: where the cash came from (+) and went (−), TTM to Q3 2026Other financing−$37.1MOperating cash flow$29.6MCash drawn (+) / kept (−)$22.8MOther investing−$16.3MShares issued$13.8MDividends−$8.2MCapital spending−$2.4MBuybacks−$2.2M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Isabella Bank: profit against cash, quarter by quarterIsabella Bank: profit against cash, quarter by quarterNet incomeOperating cash flow$4.0M$7.1MQ4 2024$3.9M$4.6MQ1 2025$5.0M$7.8MQ2 2025$5.2M$1.7MQ3 2025$4.7M$12.7MQ4 2025$5.0M$3.8MQ1 2026$5.0M$7.7MQ2 2026$6.6M$5.4MQ3 2026
Latest (Q3 2026): Net income $6.6M, Operating cash flow $5.4M.
Isabella Bank: diluted shares by fiscal yearIsabella Bank: diluted shares by fiscal year8MFY20208MFY20218MFY20228MFY20237MFY20247MFY2025
-8.9% since FY2020: buybacks shrank the count.
Isabella Bank in its industry: growth against margin (133 companies, SIC 6022)Isabella Bank in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFISBA (+17%, 34%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

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💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Isabella Bank

Isabella Bank Corporation is a registered financial holding company registered under the BHC Act. The Corporation was incorporated in September 1988 under Michigan law. The Corporation’s wholly owned subsidiary, Isabella Bank, has 31 offices located throughout Bay, Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. The area includes significant agricultural production, manufacturing, retail, gaming and tourism, and several colleges and universities. As used in Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations as well as in Item 8. Financial Statements and Supplementary Data, references to “we,” “our,” “us,” and “the Corporation” refer to Isabella Bank Corporation, a Michigan corporation and registered financial holding company, our wholly-owned banking subsidiary, Isabella Bank, and our other consolidated subsidiaries.

In its own words, from its 10-K, filed Mar 13, 2026.

Isabella Bank against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +17% against the peers' median +12%. Operating margin: 34.4% against the peers' median 34.6%.

CompanyQuarterRevenueY/YOp. margin
ISBA Isabella BankQ3 2026$23.9M+17%34.4%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: Isabella Bank 10-Q on SEC EDGAR · CIK 842517 · State Commercial Banks

Guidance and outlook

Isabella Bank: what its forward-looking statements are about (10-Q filed 2026-10-30)Isabella Bank: what its forward-looking statements are about (10-Q filed 2026-10-30)Other3Legal & regulation1
4 statements; tone +0.25 (−1 all cautious, +1 all confident); 1 hedged.
Isabella Bank: outlook statements against the filing beforeIsabella Bank: outlook statements against the filing beforeConfident1

13F: who owns ISBA and who is buying

Largest holders of ISBA (13F)Largest holders of ISBA (13F)BlackRock$18.5MVanguard Group$15.3MVanguard Capital Management LLC$11.8MGeode Capital Management, LLC$7.0MState Street$3.4MNorthern Trust$2.1MVanguard Portfolio Management LLC$1.8MVanguard Fiduciary Trust$1.8MVictory Capital Management$1.2MGoldman Sachs Group$1.1M
Funds' net buying of ISBA by quarter (13F)Funds' net buying of ISBA by quarter (13F)$02024-12$02025-03$8.7M2025-06$7.1M2025-09$11.7M2025-12$10.8M2026-03$12.1M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on ISBA

History

Every quarter: Q3 2026 results

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中文版：Isabella Bank（ISBA）财报

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