Isabella Bank Corporation (ISBA) Operating Cash Flow CAGR:22.78%(TTM)
Operating cash flow CAGR uses precomputed cash-flow statement history (cash from operations, before capital expenditures).
Over longer horizons, Isabella Bank Corporation's Operating Cash Flow CAGR averages -3.57% over 3 years and 0.16% over 5 years.The TTM figure compares the trailing 12 months (sum of the latest four quarters) with the 12 months before that. Rows in the history table compare fiscal years, and the quarterly table compares single quarters; the three measure different windows and will differ. Operating cash flow CAGR measures the compound annual growth rate of the cash Isabella Bank Corporation generates from its core business operations, before capital expenditures, computed from rolling-twelve-month cash-flow statement history.
ISBA Operating Cash Flow CAGR Chart
Isabella Bank Corporation (ISBA)
ISBA Quarterly Operating Cash Flow Growth (YoY)
Operating Cash Flow growth vs the same quarter one year earlier, last 20 quarters.
ISBA Operating Cash Flow CAGR History
| Year | Start OCF | End OCF | Change | % Change | CAGR |
|---|---|---|---|---|---|
| 2025 | $19.64M | $26.82M | +$7.18M | +36.56% | +36.56% |
| 2024 | $24.18M | $19.64M | $-4.54M | -18.79% | -18.79% |
| 2023 | $26.94M | $24.18M | $-2.75M | -10.23% | -10.23% |
| 2022 | $25.50M | $26.94M | +$1.44M | +5.63% | +5.63% |
| 2021 | $22.00M | $25.50M | +$3.50M | +15.93% | +15.93% |
| 2020 | $23.30M | $22.00M | $-1.31M | -5.60% | -5.60% |
| 2019 | $21.96M | $23.30M | +$1.34M | +6.10% | +6.10% |
| 2018 | $19.67M | $21.96M | +$2.29M | +11.67% | +11.67% |
| 2017 | $20.24M | $19.67M | $-572.00K | -2.83% | -2.83% |
| 2016 | $12.09M | $20.24M | +$8.15M | +67.41% | +67.41% |
| 2015 | $17.56M | $12.09M | $-5.47M | -31.16% | -31.16% |
| 2014 | $23.61M | $17.56M | $-6.04M | -25.61% | -25.61% |
| 2013 | $19.46M | $23.61M | +$4.14M | +21.29% | +21.29% |
| 2012 | $18.86M | $19.46M | +$604.00K | +3.20% | +3.20% |
| 2011 | $26.52M | $18.86M | $-7.66M | -28.89% | -28.89% |
| 2010 | $18.23M | $26.52M | +$8.30M | +45.52% | +45.52% |
| 2009 | $20.66M | $18.23M | $-2.44M | -11.79% | -11.79% |
| 2008 | $60.39M | $20.66M | $-39.73M | -65.79% | -65.79% |
| 2007 | $-1.79M | $60.39M | +$62.18M | N/A | N/A |
| 2006 | $18.11M | $-1.79M | $-19.90M | -109.88% | N/A |
| 2005 | $12.74M | $18.11M | +$5.37M | +42.11% | +42.11% |
| 2004 | $19.86M | $12.74M | $-7.12M | -35.85% | -35.85% |
| 2003 | $6.12M | $19.86M | +$13.74M | +224.36% | +224.36% |
| 2002 | $2.15M | $6.12M | +$3.98M | +185.50% | +185.50% |
| 2001 | $6.83M | $2.15M | $-4.69M | -68.60% | -68.60% |
| 2000 | $11.53M | $6.83M | $-4.70M | -40.76% | -40.76% |
| 1999 | $853.00K | $11.53M | +$10.68M | +1252.05% | +1252.05% |
| 1998 | $4.81M | $853.00K | $-3.96M | -82.28% | -82.28% |
| 1997 | $5.66M | $4.81M | $-844.17K | -14.92% | -14.92% |
Quarterly Operating Cash Flow: QoQ & YoY
| Quarter | Value | QoQ | YoY |
|---|---|---|---|
| Q1 2026 | $3.78M | -67.2% | -19.7% |
| Q4 2025 | $11.53M | +319.6% | +61.8% |
| Q3 2025 | $2.75M | -65.0% | -26.4% |
| Q2 2025 | $7.84M | +66.6% | +41.9% |
| Q1 2025 | $4.70M | -34.0% | +36.9% |
| Q4 2024 | $7.12M | +90.8% | +35.5% |
| Q3 2024 | $3.73M | -32.4% | -2.7% |
| Q2 2024 | $5.53M | +60.8% | -25.0% |
| Q1 2024 | $3.44M | -34.6% | -54.6% |
| Q4 2023 | $5.26M | +37.0% | -19.2% |
| Q3 2023 | $3.84M | -48.0% | -32.1% |
| Q2 2023 | $7.37M | -2.6% | -19.4% |
| Q1 2023 | $7.57M | +16.3% | +34.5% |
| Q4 2022 | $6.51M | +15.2% | +50.0% |
| Q3 2022 | $5.65M | -38.3% | +6.5% |
| Q2 2022 | $9.15M | +62.6% | +4.2% |
QoQ = change vs the prior quarter; YoY = change vs the same quarter a year earlier.
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