Isabella Bank(ISBA)
$39.58-0.02 (-0.05%)
ISBA
Isabella Bank financials statements
$39.58
At close:-0.02 (-0.05%)
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Isabella Bank (ISBA) Ratios
37 Followers
Isabella Bank Ratios
ISBA's free cash flow for Q3 2026 was $4.86M. For the 2026 fiscal year, ISBA's free cash flow was decreased by $-550.00K and operating cash flow was $5.41M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.12 | 0.14 | 0.34 | 0.36 | 0.35 |
| Quick Ratio | 0.12 | 0.14 | 0.34 | 0.36 | 0.35 |
| Cash Ratio | 0.01 | 0.01 | 0.02 | 0.02 | 0.06 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 0.39 | 0.37 | 0.52 | 0.47 | 0.51 |
| Net Current Asset Value | $ -1.75B | $ -1.62B | $ -1.26B | $ -1.19B | $ -1.21B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.06 | 0.05 | 0.06 | 0.04 | 0.05 |
| Debt-to-Equity Ratio | 0.62 | 0.54 | 0.57 | 0.47 | 0.47 |
| Debt-to-Capital Ratio | 0.38 | 0.35 | 0.36 | 0.32 | 0.32 |
| Long-Term Debt-to-Capital Ratio | 0.24 | 0.22 | 0.26 | 0.14 | 0.19 |
| Financial Leverage Ratio | 9.55 | 9.92 | 10.17 | 10.90 | 9.63 |
| Debt Service Coverage Ratio | 0.17 | 0.18 | 0.29 | 0.39 | 0.39 |
| Interest Coverage Ratio | 0.66 | 0.48 | 1.01 | 5.05 | 3.15 |
| Debt to Market Cap | 0.39 | 0.58 | 0.72 | 0.49 | 0.52 |
| Interest Debt Per Share | 23.85 | 19.74 | 18.35 | 12.23 | 14.17 |
| Net Debt to EBITDA | 5.23 | 4.79 | 3.46 | 1.66 | -0.23 |
| Profitability Margins | |||||
| Gross Profit Margin | 70.60% | 64.58% | 75.41% | 92.42% | 90.33% |
| EBIT Margin | 19.76% | 16.12% | 24.05% | 35.07% | 32.76% |
| EBITDA Margin | 19.89% | 18.17% | 26.23% | 37.77% | 36.88% |
| Operating Profit Margin | 19.76% | 16.12% | 24.05% | 35.07% | 32.76% |
| Pretax Profit Margin | 21.54% | 16.12% | 24.05% | 35.07% | 32.76% |
| Net Profit Margin | 16.88% | 13.66% | 20.02% | 29.05% | 27.36% |
| Continuous Operations Profit Margin | 16.88% | 13.66% | 20.02% | 29.05% | 27.36% |
| Net Income Per EBT | 78.39% | 84.70% | 83.21% | 82.84% | 83.52% |
| EBT Per EBIT | 108.99% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.86% | 0.67% | 0.88% | 1.10% | 0.96% |
| Return on Equity (ROE) | 8.17% | 6.61% | 8.98% | 11.94% | 9.24% |
| Return on Capital Employed (ROCE) | 6.88% | 5.74% | 7.57% | 12.46% | 8.97% |
| Return on Invested Capital (ROIC) | 4.45% | 4.09% | 5.42% | 8.14% | 6.28% |
| Return on Tangible Assets | 0.87% | 0.68% | 0.90% | 1.12% | 0.98% |
| Earnings Yield | 5.12% | 7.17% | 11.25% | 12.53% | 10.15% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 0.00 | 2.58 | 2.28 | 3.57 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.45 | 0.60 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 3.86 | 3.68 | 3.28 | 3.00 | 2.92 |
| Asset Turnover | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.07 | -0.07 | -0.08 | -0.07 | -0.06 |
| Cash Conversion Cycle | 0.00 | 0.00 | 141.27 | -643.24 | -503.94 |
| Days of Sales Outstanding | 0.00 | 0.00 | 141.27 | 160.14 | 102.33 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 803.38 | 606.27 |
| Operating Cycle | 0.00 | 0.00 | 141.27 | 160.14 | 102.33 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 3.63 | 2.63 | 3.22 | 3.57 | 3.39 |
| Free Cash Flow Per Share | 3.16 | 2.35 | 2.68 | 3.14 | 3.17 |
| Dividend Paid and CapEx Coverage Ratio | 2.32 | 1.92 | 1.97 | 2.39 | 2.56 |
| Capital Expenditure Coverage Ratio | 7.71 | 9.32 | 5.95 | 8.40 | 16.01 |
| Operating Cash Flow Coverage Ratio | 0.19 | 0.17 | 0.21 | 0.31 | 0.26 |
| Operating Cash Flow to Sales Ratio | 0.24 | 0.19 | 0.27 | 0.35 | 0.36 |
| Free Cash Flow Yield | 6.32% | 9.05% | 12.46% | 13.38% | 12.45% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 19.53 | 13.97 | 8.89 | 7.98 | 9.85 |
| Price-to-Sales (P/S) Ratio | 3.29 | 1.90 | 1.78 | 2.32 | 2.69 |
| Price-to-Book (P/B) Ratio | 1.59 | 0.92 | 0.80 | 0.95 | 0.91 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 15.81 | 11.05 | 8.03 | 7.48 | 8.03 |
| Price-to-Operating Cash Flow Ratio | 13.76 | 9.87 | 6.68 | 6.59 | 7.53 |
| Price-to-Earnings Growth (PEG) Ratio | 0.52 | -0.60 | -0.49 | 0.42 | 0.12 |
| Enterprise Value Multiple | 21.79 | 15.27 | 10.25 | 7.80 | 7.08 |
| Enterprise Value | 485.47M | 282.18M | 243.97M | 225.51M | 186.07M |
| EV to EBITDA | 21.79 | 15.27 | 10.25 | 7.80 | 7.08 |
| EV to Sales | 4.33 | 2.77 | 2.69 | 2.95 | 2.61 |
| EV to Free Cash Flow | 20.80 | 16.10 | 12.13 | 9.50 | 7.78 |
| EV to Operating Cash Flow | 18.10 | 14.37 | 10.09 | 8.37 | 7.30 |
| Tangible Book Value Per Share | 24.81 | 21.73 | 20.52 | 18.27 | 21.61 |
| Shareholders’ Equity Per Share | 31.35 | 28.21 | 26.94 | 24.66 | 28.02 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.22 | 0.15 | 0.17 | 0.17 | 0.16 |
| Revenue Per Share | 15.18 | 13.65 | 12.08 | 10.14 | 9.46 |
| Net Income Per Share | 2.56 | 1.86 | 2.42 | 2.95 | 2.59 |
| Tax Burden | 0.78 | 0.85 | 0.83 | 0.83 | 0.84 |
| Interest Burden | 1.09 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.38 | 0.31 | 0.30 | 0.33 | 0.35 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 |
| Income Quality | 1.42 | 1.41 | 1.33 | 1.21 | 1.31 |
Currency in USD
