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Isabella Bank cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$4.9M in Q3 2026 · $27.2M over twelve months

Operating cash flow$5.4M
Capital spending−$550K
Free cash flow+$4.9M
Cash / net income0.8×

Analysis

In Q3 2026, Isabella Bank generated $5.4M of operating cash flow and spent $550K on capital projects, leaving free cash flow of $4.9M. That is $4.2M more than in Q3 2025 ($674K).

Over the twelve months to Sep 30, 2026, operating cash flow was $29.6M; the largest uses were other financing ($37.1M), other investing ($16.3M), dividends ($8.2M); besides operations, cash came from shares issued ($13.8M); the cash balance fell by $22.8M.

Operating cash flow was $5.4M against net income of $6.6M — 0.8× profit, less cash than reported earnings, worth checking against working capital. The largest differences: prepaid and other assets −$822K, depreciation & amortization +$586K, accrued liabilities −$564K.

Free cash flow

Isabella Bank: free cash flow by quarterIsabella Bank: free cash flow by quarter$6.6MQ4 2024$3.7MQ1 2025$7.2MQ2 2025$674KQ3 2025$11.8MQ4 2025$3.2MQ1 2026$7.3MQ2 2026$4.9MQ3 2026
Operating cash flow less capital spending.
Isabella Bank: operating cash flow against capital spendingIsabella Bank: operating cash flow against capital spendingOperating cash flowCapital spending$7.1M$516KQ4 2024$4.6M$984KQ1 2025$7.8M$600KQ2 2025$1.7M$1.0MQ3 2025$12.7M$878KQ4 2025$3.8M$536KQ1 2026$7.7M$409KQ2 2026$5.4M$550KQ3 2026
Latest (Q3 2026): Operating cash flow $5.4M, Capital spending $550K.

Capital allocation, year by year

Isabella Bank: where the cash came from (up) and went (down), by fiscal yearIsabella Bank: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedCapital spendingBuybacksDividendsFY2021: Operating cash flow $25.5MFY2021: Shares issued $1.6MFY2021: Capital spending −$1.6MFY2021: Dividends −$8.4M$27.1MFY2021FY2022: Operating cash flow $26.9MFY2022: Shares issued $1.8MFY2022: Capital spending −$3.2MFY2022: Dividends −$8.1M$28.6MFY2022FY2023: Operating cash flow $24.2MFY2023: Shares issued $1.6MFY2023: Capital spending −$4.1MFY2023: Buybacks −$3.4MFY2023: Dividends −$8.2M$25.8MFY2023FY2024: Operating cash flow $19.6MFY2024: Shares issued $1.5MFY2024: Capital spending −$2.1MFY2024: Buybacks −$3.1MFY2024: Dividends −$8.1M$21.2MFY2024FY2025: Operating cash flow $26.8MFY2025: Shares issued $1.3MFY2025: Capital spending −$3.5MFY2025: Buybacks −$4.7MFY2025: Dividends −$8.1M$28.1MFY2025
Over these 5 years operating cash flow totalled $123M; the largest uses were dividends ($40.9M) and capital spending ($14.4M). Cash-flow statements as filed.

Where the cash came from and went

Isabella Bank: sources (+) and uses (−) of cash, Q3 2026Isabella Bank: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)−$96.8MOther investing$68.5MOther financing$24.6MOperating cash flow$5.4MDividends−$2.1MShares issued$1.1MCapital spending−$550KBuybacks−$136K
Isabella Bank: sources (+) and uses (−) of cash, TTM to Q3 2026Isabella Bank: sources (+) and uses (−) of cash, 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 profit to cash

Isabella Bank: net income to operating cash flow, Q3 2026Isabella Bank: net income to operating cash flow, Q3 2026Net income$6.6MDepreciation & amortization$586KStock-based pay$48KAccrued liabilities−$564KPrepaid and other assets−$822KOperating cash flow$5.4M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$5.4M−$550K−$136K−$2.1M$1.1M−$96.8M$4.9M
Q2 2026$7.7M−$409K−$224K−$2.0M$12.0M$8.3M$7.3M
Q1 2026$3.8M−$536K−$402K−$2.1M$433K−$24.1M$3.2M
Q4 2025$12.7M−$878K−$1.4M−$2.0M$300K$135M$11.8M
Q3 2025$1.7M−$1.0M−$609K−$2.0M$272K−$52.7M$674K
Q2 2025$7.8M−$600K−$1.5M−$2.0M$340K−$39.4M$7.2M
Q1 2025$4.6M−$984K−$1.1M−$2.0M$419K−$44.6M$3.7M
Q4 2024$7.1M−$516K−$657K−$2.0M$333K$2.8M$6.6M

Isabella Bank: income statement and cash flow

Isabella Bank, Q3 2026: revenue $23.9M (+17% year over year), operating margin 34.4%. The chart follows the revenue to costs, profit and cash.

Isabella Bank: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.