Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $5.18M | $5.38M | $5.66M | — | — | — | — | — | — | — |
| Revenue growth | — | 3.9% | 5.0% | — | — | — | — | — | — | — |
| Net income | $13.8M | $13.2M | $14.0M | $13.0M | $10.9M | $19.5M | $22.2M | $18.2M | $13.9M | $18.9M |
| Net margin | 266.1% | 245.8% | 247.9% | — | — | — | — | — | — | — |
| EPS (diluted) | $1.73 | $1.65 | $1.74 | $1.61 | $1.34 | $2.45 | $2.91 | $2.40 | $1.86 | $2.56 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $20.2M | $19.7M | $22.0M | $23.3M | $22.0M | $25.5M | $26.9M | $24.2M | $19.6M | $26.8M |
| Capital expenditures | $3.80M | $2.04M | $2.31M | $1.33M | $1.52M | $1.59M | $3.21M | $4.06M | $2.11M | $3.48M |
| Free cash flow | $16.4M | $17.6M | $19.7M | $22.0M | $20.5M | $23.9M | $23.7M | $20.1M | $17.5M | $23.3M |
| Share buybacks | — | — | — | — | — | — | — | $3.42M | $3.08M | $4.71M |
| Dividends paid | $7.64M | $7.99M | $8.17M | $8.28M | $8.52M | $8.37M | $8.08M | $8.22M | $8.15M | $8.09M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $22.9M | $30.8M | $73.5M | $60.6M | $247M | $105M | $38.9M | $33.7M | $24.5M | $26.0M |
| Total assets | $1.73B | $1.81B | $1.84B | $1.81B | $1.96B | $2.03B | $2.03B | $2.06B | $2.09B | $2.21B |
| Total liabilities | $1.54B | $1.62B | $1.65B | $1.60B | $1.74B | $1.82B | $1.84B | $1.86B | $1.88B | $1.98B |
| Shareholders' equity | $188M | $195M | $196M | $210M | $219M | $211M | $186M | $202M | $210M | $231M |
| Retained earnings | $46.1M | $51.7M | $57.4M | $62.1M | $64.5M | $75.6M | $89.7M | $97.3M | $103M | $114M |
| Shares (wtd avg diluted) | 8.00M | 8.03M | 8.07M | 8.10M | 8.11M | 7.97M | 7.65M | 7.58M | 7.48M | 7.39M |
Every figure is extracted from ISABELLA BANK CORP’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.