Filing Flows › Isabella Bank (ISBA) › Q3 2026
Isabella Bank (ISBA) Q3 2026 earnings results (third quarter 2026)
10-Q filed Oct 30, 2026
Isabella Bank (ISBA) reported revenue of $23.9M for the third quarter 2026 (Q3 2026), +17% from a year earlier and +7% from the quarter before. Operating margin was 34.4%, net earnings $6.6M (27.6% of revenue).
Isabella Bank, Q3 2026: revenue $23.9M (+17% year over year), operating margin 34.4%, net earnings $6.6M, operating cash flow $5.4M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $23.9M | +7% | +17% |
| Operating profit | $8.2M | +33% | +31% |
| Net earnings | $6.6M | +31% | +26% |
| Operating cash flow | $5.4M | -30% | +220% |
| Free cash flow | $4.9M | -33% | +621% |
What changed
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.
Questions
What was Isabella Bank's revenue in the third quarter 2026?
Isabella Bank (ISBA) reported revenue of $23.9M for the third quarter 2026 (Q3 2026), +17% from a year earlier and +7% from the quarter before.
Was Isabella Bank profitable in the third quarter 2026?
Operating profit was $8.2M (34.4% of revenue) and net earnings $6.6M.
Source: Isabella Bank 10-Q on SEC EDGAR.