Isabella Bank Corporation (ISBA) EBITDA Margin: 19.76%
Is Isabella Bank Corporation’s EBITDA margin high or low?
Isabella Bank Corporation's EBITDA margin of 19.76% is 25% below its 5-year average of 26.45%, near the low end of its 5-year range (18.17%–37.77%).
As of Tuesday, June 16, 2026. 4.19% above its 12-month average of 18.97%.
ISBA EBITDA Margin Chart
ISBA Average EBITDA Margin Chart
ISBA Current vs Average EBITDA Margin Chart
ISBA EBITDA Margin Metrics
EBITDA MARGIN
19.76%
EBITDA MARGIN AVG TTM
18.97%
EBITDA MARGIN AVG 3Y
25.48%
EBITDA MARGIN AVG 5Y
26.45%
EBITDA MARGIN AVG 10Y
27.63%
EBITDA MARGIN AVG 15Y
27.28%
EBITDA MARGIN AVG 20Y
26.99%
CURRENT VS TTM AVG
+4.19%
CURRENT VS 3Y AVG
-22.46%
CURRENT VS 5Y AVG
-25.28%
CURRENT VS 10Y AVG
-28.47%
CURRENT VS 15Y AVG
-27.56%
CURRENT VS 20Y AVG
-26.79%
ISBA Competitors' EBITDA Margin
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Isabella Bank Corporation (ISBA) | $303.79M | 19.76% | 18.97% | 25.48% | 26.45% |
| Blackrock 2037 Municipal Target Term Trust (BMN)vs › | $158.67M | N/A | N/A | N/A | N/A |
| Global X - MSCI Colombia ETF (COLO)vs › | $129.85M | N/A | N/A | N/A | N/A |
| Lufax Holding Ltd (LU)vs › | $570.20M | 2.34% | 2.34% | 17.49% | 25.31% |
| CYBER HORNET S&P 500 and Bitcoin 75/25 Strategy ETF (ZZZ)vs › | $5.89M | N/A | N/A | N/A | N/A |
| WisdomTree Artificial Intelligence and Innovation Fund (WTAI)vs › | $642.13M | N/A | N/A | N/A | N/A |
| Main Street Capital Corporation (MAIN)vs › | $4.79B | 81.72% | 78.03% | 74.13% | 64.94% |
| Kinsale Capital Group, Inc. (KNSL)vs › | $7.19B | 34.73% | 34.08% | 31.20% | 29.40% |
| Assurant, Inc. (AIZ)vs › | $12.86B | 11.29% | 10.94% | 9.54% | 9.51% |
| Global Payments Inc. (GPN)vs › | $15.97B | 44.71% | 44.72% | 38.80% | 38.24% |
Margin Comparison
Gross Margin
71.4%
EBITDA Margin
19.8%
Operating Margin
20.1%
Net Margin
17.2%
Formula: EBITDA Margin = (EBITDA / Revenue) × 100
Why EBITDA Margin matters:
- Removes effects of depreciation policies (D&A)
- Capital structure neutral (ignores interest)
- Tax neutral (ignores tax differences)
- Good proxy for operating cash generation
Isabella Bank Corporation EBITDA Margin Formula & Definition
EBITDA Margin = EBITDA / Revenue
EBITDA margin measures operating profitability before interest, taxes, depreciation, and amortization as a percentage of revenue.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
Isabella Bank Corporation EBITDA Margin FAQ
- What is the EBITDA margin for Isabella Bank Corporation (ISBA)?
- The EBITDA margin for ISBA stock is 19.76%.
- Is Isabella Bank Corporation's EBITDA margin high or low?
- Isabella Bank Corporation's EBITDA margin of 19.76% is 25% below its 5-year average of 26.45%, near the low end of its 5-year range (18.17%–37.77%).
- What is the TTM average EBITDA margin for Isabella Bank Corporation (ISBA)?
- The TTM average EBITDA margin for ISBA stock is 18.97%.
- What is the 3Y average EBITDA margin for Isabella Bank Corporation (ISBA)?
- The 3Y average EBITDA margin for ISBA stock is 25.48%.
- What is the 5Y average EBITDA margin for Isabella Bank Corporation (ISBA)?
- The 5Y average EBITDA margin for ISBA stock is 26.45%.
- What is the 10Y average EBITDA margin for Isabella Bank Corporation (ISBA)?
- The 10Y average EBITDA margin for ISBA stock is 27.63%.
- What is the 15Y average EBITDA margin for Isabella Bank Corporation (ISBA)?
- The 15Y average EBITDA margin for ISBA stock is 27.28%.
- What is the 20Y average EBITDA margin for Isabella Bank Corporation (ISBA)?
- The 20Y average EBITDA margin for ISBA stock is 26.99%.
Isabella Bank Corporation EBITDA Margin History
| DATE | EBITDA MARGIN |
|---|---|
| 2025-12-31 | 19.76% |
| 2024-12-31 | 18.17% |
| 2023-12-31 | 26.23% |
| 2022-12-31 | 37.77% |
| 2021-12-31 | 36.88% |
| 2020-12-31 | 19.86% |
| 2019-12-31 | 23.17% |
| 2018-12-31 | 25.70% |
| 2017-12-31 | 29.12% |
| 2016-12-31 | 31.41% |
| 2015-12-31 | 35.82% |
| 2014-12-31 | 31.76% |
| 2013-12-31 | 29.99% |
| 2012-12-31 | 26.82% |
| 2011-12-31 | 22.88% |
| 2010-12-31 | 21.13% |
| 2009-12-31 | 17.66% |
| 2008-12-31 | 9.12% |
| 2007-12-31 | 18.73% |
| 2006-12-31 | 37.12% |
| 2005-12-31 | 47.69% |
| 2004-12-31 | 52.75% |
| 2003-12-31 | 47.00% |
| 2002-12-31 | 48.61% |
| 2001-12-31 | 43.64% |
| 2000-12-31 | 37.69% |
| 1999-12-31 | 39.93% |
| 1998-12-31 | 31.77% |
| 1997-12-31 | 39.16% |
| 1996-12-31 | 36.65% |
Related Metrics
About Isabella Bank Corporation
Isabella Bank Corporation serves as the parent company for Isabella Bank, providing a comprehensive suite of banking products and financial services. Its diverse clientele includes businesses, institutions, private individuals, and families. The bank facilitates savings through various deposit options, such as checking and savings accounts, certificates of deposit (CDs), direct deposit services, and money market accounts. Its lending solutions are extensive, comprising commercial, agricultural, and residential real estate loans, alongside consumer credit offerings, including both secured and unsecured personal loans. Beyond core banking, Isabella Bank Corporation offers a range of additional amenities. These include cash management tools, mobile and internet banking platforms, electronic bill payment, automated teller machines (ATMs), specialized trust and investment advisory, estate planning assistance, and safe deposit box rentals. The corporation also extends its services to include group life, health, accident, and disability insurance products, as well as various other employee benefit programs. As of December 31, 2021, the company maintained 30 branch locations situated in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. With a heritage dating back to its founding in 1903, Isabella Bank Corporation is headquartered in Mount Pleasant, Michigan.
- Sector
- Financial Services
- Industry
- Banks - Regional
- CEO
- Jerome E. Schwind