Basis: Latest reported fiscal year. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on invested capital (ROIC) high or low?
The return on invested capital (ROIC) of 4.45% is 15% below its 5-year average of 5.21%, near the low end of its 5-year range (2.88%–8.14%).
As of the fiscal period ended Wednesday, December 31, 2025. 4.22% above its 12-month average of 4.27%.
Annual fiscal-year return on invested capital; no daily interpolation.
RETURN ON INVESTED CAPITAL (ROIC)
4.45%
RETURN ON INVESTED CAPITAL (ROIC) AVG TTM
4.27%
RETURN ON INVESTED CAPITAL (ROIC) AVG 3Y
5.52%
RETURN ON INVESTED CAPITAL (ROIC) AVG 5Y
5.21%
RETURN ON INVESTED CAPITAL (ROIC) AVG 10Y
4.08%
RETURN ON INVESTED CAPITAL (ROIC) AVG 15Y
3.41%
RETURN ON INVESTED CAPITAL (ROIC) AVG 20Y
3.19%
CURRENT VS TTM AVG
+4.22%
CURRENT VS 3Y AVG
-19.46%
CURRENT VS 5Y AVG
-14.59%
CURRENT VS 10Y AVG
+9.07%
CURRENT VS 15Y AVG
+30.47%
CURRENT VS 20Y AVG
+39.64%
SECTOR MEDIAN · FINANCIAL SERVICES
5.98%
median of 95 covered companies
CURRENT VS SECTOR MEDIAN
-25.59%
vs the sector median at left
Isabella Bank Corporation
Market Cap
$289.05M
Return on Invested Capital (ROIC)
4.45%
TTM Avg
4.27%
3Y Avg
5.52%
5Y Avg
5.21%
Market Cap
$321.51M
Return on Invested Capital (ROIC)
4.57%
TTM Avg
5.10%
3Y Avg
3.12%
5Y Avg
1.85%
Market Cap
$199.30M
Return on Invested Capital (ROIC)
8.38%
TTM Avg
10.51%
3Y Avg
4.68%
5Y Avg
4.95%
Market Cap
$179.23M
Return on Invested Capital (ROIC)
26.89%
TTM Avg
13.75%
3Y Avg
-9.44%
5Y Avg
-5.72%
Market Cap
$164.86M
Return on Invested Capital (ROIC)
17.94%
TTM Avg
-32.52%
3Y Avg
-32.91%
5Y Avg
-20.81%
Market Cap
$155.23M
Return on Invested Capital (ROIC)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$138.45M
Return on Invested Capital (ROIC)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$74.64M
Return on Invested Capital (ROIC)
-0.21%
TTM Avg
1.13%
3Y Avg
-1.41%
5Y Avg
0.36%
Market Cap
$5.89M
Return on Invested Capital (ROIC)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | RETURN ON INVESTED CAPITAL (ROIC) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Isabella Bank Corporation (ISBA) | $289.05M | 4.45% | 4.27% | 5.52% | 5.21% |
| BlackRock Floating Rate Income Trust (BGT)vs › | $321.51M | 4.57% | 5.10% | 3.12% | 1.85% |
| Franklin Universal Trust (FT)vs › | $199.30M | 8.38% | 10.51% | 4.68% | 4.95% |
| The New Germany Fund, Inc. (GF)vs › | $179.23M | 26.89% | 13.75% | -9.44% | -5.72% |
| DeFi Technologies Inc. (DEFT)vs › | $164.86M | 17.94% | -32.52% | -32.91% | -20.81% |
| Blackrock 2037 Municipal Target Term Trust (BMN)vs › | $155.23M | N/A | N/A | N/A | N/A |
| Global X - MSCI Colombia ETF (COLO)vs › | $138.45M | N/A | N/A | N/A | N/A |
| Nuveen Minnesota Quality Municipal Income Fund (NMS)vs › | $74.64M | -0.21% | 1.13% | -1.41% | 0.36% |
| 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 › | $612.46M | N/A | N/A | N/A | N/A |
ROIC
4.5%
ROE
8.0%
ROIC = NOPAT / Invested Capital
Return on invested capital measures the after-tax return a company earns on all capital (debt and equity) invested in the business.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | RETURN ON INVESTED CAPITAL (ROIC) |
|---|---|
| 2025-12-31 | 4.45% |
| 2024-12-31 | 4.09% |
| 2023-12-31 | 5.42% |
| 2022-12-31 | 8.14% |
| 2021-12-31 | 6.28% |
| 2020-12-31 | 2.88% |
| 2019-12-31 | 2.68% |
| 2018-12-31 | 2.64% |
| 2017-12-31 | 2.49% |
| 2016-12-31 | 2.68% |
| 2015-12-31 | 3.13% |
| 2014-12-31 | 3.03% |
| 2013-12-31 | 2.91% |
| 2012-12-31 | 3.07% |
| 2011-12-31 | 2.75% |
| 2010-12-31 | 2.66% |
| 2009-12-31 | 2.34% |
| 2008-12-31 | 0.95% |
| 2007-12-31 | 3.67% |
| 2006-12-31 | 3.97% |
| 2005-12-31 | 4.74% |
| 2004-12-31 | 6.31% |
| 2003-12-31 | 8.28% |
| 2002-12-31 | 8.52% |
| 2001-12-31 | 8.86% |
| 2000-12-31 | 9.30% |
| 1999-12-31 | 9.85% |
| 1998-12-31 | 10.53% |
| 1997-12-31 | 11.66% |
| 1996-12-31 | 11.93% |
