Isabella Bank Corporation (ISBA) Operating Margin: 20.07%
Is Isabella Bank Corporation’s operating margin high or low?
Isabella Bank Corporation's operating margin of 20.07% is 16% below its 5-year average of 23.91%, near the low end of its 5-year range (15.67%–35.07%).
As of Tuesday, June 16, 2026. 11.87% above its 12-month average of 17.94%.
ISBA Operating Margin Chart
ISBA Average Operating Margin Chart
ISBA Current vs Average Operating Margin Chart
ISBA Operating Margin Metrics
OPERATING MARGIN
20.07%
OPERATING MARGIN AVG TTM
17.94%
OPERATING MARGIN AVG 3Y
23.75%
OPERATING MARGIN AVG 5Y
23.91%
OPERATING MARGIN AVG 10Y
24.01%
OPERATING MARGIN AVG 15Y
23.16%
OPERATING MARGIN AVG 20Y
22.50%
CURRENT VS TTM AVG
+11.87%
CURRENT VS 3Y AVG
-15.49%
CURRENT VS 5Y AVG
-16.04%
CURRENT VS 10Y AVG
-16.42%
CURRENT VS 15Y AVG
-13.36%
CURRENT VS 20Y AVG
-10.81%
ISBA Competitors' Operating Margin
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Isabella Bank Corporation (ISBA) | $303.79M | 20.07% | 17.94% | 23.75% | 23.91% |
| 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 | -4.31% | -1.56% | 27.65% | 30.81% |
| 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 | 66.79% | 77.53% | 73.88% | 64.77% |
| Kinsale Capital Group, Inc. (KNSL)vs › | $7.19B | 34.51% | 33.14% | 30.23% | 28.61% |
| Assurant, Inc. (AIZ)vs › | $12.86B | 9.42% | 8.15% | 6.74% | 6.76% |
| Global Payments Inc. (GPN)vs › | $15.97B | 16.21% | 20.86% | 21.67% | 20.60% |
Operating Efficiency
Gross Margin
71.4%
Operating Margin
20.1%
Isabella Bank Corporation Operating Margin Formula & Definition
Operating Margin = Operating Income / Revenue
Operating margin is the percentage of revenue remaining after operating expenses, reflecting operating efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
Isabella Bank Corporation Operating Margin FAQ
- What is the operating margin for Isabella Bank Corporation (ISBA)?
- The operating margin for ISBA stock is 20.07%.
- Is Isabella Bank Corporation's operating margin high or low?
- Isabella Bank Corporation's operating margin of 20.07% is 16% below its 5-year average of 23.91%, near the low end of its 5-year range (15.67%–35.07%).
- What is the TTM average operating margin for Isabella Bank Corporation (ISBA)?
- The TTM average operating margin for ISBA stock is 17.94%.
- What is the 3Y average operating margin for Isabella Bank Corporation (ISBA)?
- The 3Y average operating margin for ISBA stock is 23.75%.
- What is the 5Y average operating margin for Isabella Bank Corporation (ISBA)?
- The 5Y average operating margin for ISBA stock is 23.91%.
- What is the 10Y average operating margin for Isabella Bank Corporation (ISBA)?
- The 10Y average operating margin for ISBA stock is 24.01%.
- What is the 15Y average operating margin for Isabella Bank Corporation (ISBA)?
- The 15Y average operating margin for ISBA stock is 23.16%.
- What is the 20Y average operating margin for Isabella Bank Corporation (ISBA)?
- The 20Y average operating margin for ISBA stock is 22.50%.
Isabella Bank Corporation Operating Margin History
| DATE | OPERATING MARGIN |
|---|---|
| 2025-12-31 | 19.76% |
| 2024-12-31 | 16.12% |
| 2023-12-31 | 24.05% |
| 2022-12-31 | 35.07% |
| 2021-12-31 | 32.76% |
| 2020-12-31 | 15.67% |
| 2019-12-31 | 18.87% |
| 2018-12-31 | 21.21% |
| 2017-12-31 | 24.13% |
| 2016-12-31 | 25.97% |
| 2015-12-31 | 30.54% |
| 2014-12-31 | 26.76% |
| 2013-12-31 | 24.50% |
| 2012-12-31 | 21.67% |
| 2011-12-31 | 17.53% |
| 2010-12-31 | 16.01% |
| 2009-12-31 | 12.67% |
| 2008-12-31 | 4.88% |
| 2007-12-31 | 14.91% |
| 2006-12-31 | 30.22% |
| 2005-12-31 | 39.25% |
| 2004-12-31 | 44.03% |
| 2003-12-31 | 37.48% |
| 2002-12-31 | 37.77% |
| 2001-12-31 | 31.54% |
| 2000-12-31 | 32.15% |
| 1999-12-31 | 34.50% |
| 1998-12-31 | 31.77% |
| 1997-12-31 | 39.16% |
| 1996-12-31 | 36.65% |
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