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STOCKS

Isabella Bank (ISBA)

NASDAQ:ISBA

ISBA

Isabella Bank

RESEARCH TOOLSreports

Isabella Bank (ISBA) Ratios

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37 Followers

Isabella Bank Ratios

ISBA's free cash flow for Q4 2025 was $0.71. For the 2025 fiscal year, ISBA's free cash flow was decreased by $ and operating cash flow was $0.15. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.43	0.43	0.14	0.34	0.36
Quick Ratio	0.43	0.43	0.14	0.34	0.36
Cash Ratio	0.02	0.02	0.01	0.02	0.02
Solvency Ratio	<0.01	<0.01	<0.01	0.01	0.01
Operating Cash Flow Ratio	<0.01	0.02	0.01	0.01	0.01
Short-Term Operating Cash Flow Coverage	0.12	0.39	0.37	0.52	0.47
Net Current Asset Value	$ -1.46B	$ -1.46B	$ -1.62B	$ -1.26B	$ -1.19B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.06	0.05	0.06	0.04
Debt-to-Equity Ratio	0.62	0.62	0.54	0.57	0.47
Debt-to-Capital Ratio	0.38	0.38	0.35	0.36	0.32
Long-Term Debt-to-Capital Ratio	0.24	0.24	0.22	0.26	0.14
Financial Leverage Ratio	9.55	9.55	9.92	10.17	10.90
Debt Service Coverage Ratio	0.17	0.17	0.18	0.29	0.39
Interest Coverage Ratio	0.66	0.66	0.48	1.01	5.05
Debt to Market Cap	0.43	0.39	0.58	0.72	0.49
Interest Debt Per Share	23.85	23.85	19.74	18.35	12.23
Net Debt to EBITDA	5.40	5.40	4.79	3.46	1.66
Profitability Margins
Gross Profit Margin	70.60%	70.60%	64.58%	75.41%	92.42%
EBIT Margin	19.76%	19.76%	16.12%	24.05%	35.07%
EBITDA Margin	19.76%	19.76%	18.17%	26.23%	37.77%
Operating Profit Margin	19.76%	19.76%	16.12%	24.05%	35.07%
Pretax Profit Margin	21.54%	21.54%	16.12%	24.05%	35.07%
Net Profit Margin	16.88%	16.88%	13.66%	20.02%	29.05%
Continuous Operations Profit Margin	16.88%	16.88%	13.66%	20.02%	29.05%
Net Income Per EBT	78.39%	78.39%	84.70%	83.21%	82.84%
EBT Per EBIT	108.99%	108.99%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.86%	0.86%	0.67%	0.88%	1.10%
Return on Equity (ROE)	8.45%	8.17%	6.61%	8.98%	11.94%
Return on Capital Employed (ROCE)	2.19%	2.19%	5.74%	7.57%	12.46%
Return on Invested Capital (ROIC)	-3.27%	-3.27%	4.09%	5.42%	8.14%
Return on Tangible Assets	0.87%	0.87%	0.68%	0.90%	1.12%
Earnings Yield	5.69%	5.12%	7.17%	11.25%	12.53%
Efficiency Ratios
Receivables Turnover	13.34	13.34	0.00	2.58	2.28
Payables Turnover	0.00	0.00	0.00	0.00	0.45
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	3.86	3.86	3.68	3.28	3.00
Asset Turnover	0.05	0.05	0.05	0.04	0.04
Working Capital Turnover Ratio	-0.11	-0.10	-0.07	-0.08	-0.07
Cash Conversion Cycle	27.36	27.36	0.00	141.27	-643.24
Days of Sales Outstanding	27.36	27.36	0.00	141.27	160.14
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	803.38
Operating Cycle	27.36	27.36	0.00	141.27	160.14
Cash Flow Ratios
Operating Cash Flow Per Share	1.10	3.63	2.63	3.22	3.57
Free Cash Flow Per Share	0.39	3.16	2.35	2.68	3.14
CapEx Per Share	0.70	0.47	0.28	0.54	0.42
Free Cash Flow to Operating Cash Flow	0.36	0.87	0.89	0.83	0.88
Dividend Paid and CapEx Coverage Ratio	0.61	2.32	1.92	1.97	2.39
Capital Expenditure Coverage Ratio	1.56	7.71	9.32	5.95	8.40
Operating Cash Flow Coverage Ratio	0.06	0.19	0.17	0.21	0.31
Operating Cash Flow to Sales Ratio	0.07	0.24	0.19	0.27	0.35
Free Cash Flow Yield	0.88%	6.32%	9.05%	12.46%	13.38%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	17.48	19.51	13.95	8.89	7.98
Price-to-Sales (P/S) Ratio	2.93	3.29	1.90	1.78	2.32
Price-to-Book (P/B) Ratio	1.43	1.59	0.92	0.80	0.95
Price-to-Free Cash Flow (P/FCF) Ratio	112.68	15.81	11.05	8.03	7.48
Price-to-Operating Cash Flow Ratio	40.88	13.76	9.87	6.68	6.59
Price-to-Earnings Growth (PEG) Ratio	4.30	0.52	-0.60	-0.49	0.42
Price-to-Fair Value	1.43	1.59	0.92	0.80	0.95
Enterprise Value Multiple	20.24	22.07	15.27	10.25	7.80
Enterprise Value	449.66M	488.58M	282.18M	243.97M	225.51M
EV to EBITDA	20.32	22.07	15.27	10.25	7.80
EV to Sales	4.01	4.36	2.77	2.69	2.95
EV to Free Cash Flow	154.26	20.93	16.10	12.13	9.50
EV to Operating Cash Flow	55.62	18.22	14.37	10.09	8.37
Tangible Book Value Per Share	24.81	18.27	21.73	20.52	18.27
Shareholders’ Equity Per Share	31.35	31.35	28.21	26.94	24.66
Tax and Other Ratios
Effective Tax Rate	0.22	0.22	0.15	0.17	0.17
Revenue Per Share	15.18	15.18	13.65	12.08	10.14
Net Income Per Share	2.56	2.56	1.86	2.42	2.95
Tax Burden	0.78	0.78	0.85	0.83	0.83
Interest Burden	1.09	1.09	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.36	0.36	0.29	0.30	0.33
Stock-Based Compensation to Revenue	<0.01	0.00	<0.01	<0.01	<0.01
Income Quality	0.43	1.42	1.41	1.33	1.21

Currency in USD