Isabella Bank Corporation
ISBA · NASDAQ
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Revenue | $101,713 | $90,764 | $76,551 | $71,276 |
| % Growth | 12.1% | 18.6% | 7.4% | – |
| Cost of Goods Sold | $36,027 | $22,316 | $5,800 | $6,894 |
| Gross Profit | $65,686 | $68,448 | $70,751 | $64,382 |
| % Margin | 64.6% | 75.4% | 92.4% | 90.3% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $29,708 | $26,827 | $25,424 | $25,142 |
| SG&A Expenses | $31,420 | $28,901 | $27,403 | $26,081 |
| Sales & Mktg Exp. | $1,712 | $2,074 | $1,979 | $939 |
| Other Operating Expenses | $17,868 | $17,715 | $16,504 | $14,954 |
| Operating Expenses | $49,288 | $46,616 | $43,907 | $41,035 |
| Operating Income | $16,398 | $21,832 | $26,844 | $23,347 |
| % Margin | 16.1% | 24.1% | 35.1% | 32.8% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $16,398 | $21,832 | $26,844 | $23,347 |
| Tax Expense | $2,509 | $3,665 | $4,606 | $3,848 |
| Net Income | $13,889 | $18,167 | $22,238 | $19,499 |
| % Margin | 13.7% | 20% | 29% | 27.4% |
| EPS | 1.86 | 2.42 | 2.95 | 2.48 |
| % Growth | -23.1% | -18% | 19% | – |
| EPS Diluted | 1.86 | 2.4 | 2.91 | 2.45 |
| Weighted Avg Shares Out | 7,454 | 7,512 | 7,550 | 7,533 |
| Weighted Avg Shares Out Dil | 7,482 | 7,575 | 7,648 | 7,966 |
| Supplemental Information | – | – | – | – |
| Interest Income | $89,978 | $79,631 | $65,798 | $60,113 |
| Interest Expense | $34,143 | $21,687 | $5,317 | $7,412 |
| Depreciation & Amortization | $2,086 | $1,978 | $2,071 | $2,940 |
| EBITDA | $18,484 | $23,810 | $28,915 | $26,287 |
| % Margin | 18.2% | 26.2% | 37.8% | 36.9% |