Isabella Bank Past Earnings Performance
Past criteria checks 2/6
Isabella Bank has been growing earnings at an average annual rate of 7.7%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 4.7% per year. Isabella Bank's return on equity is 6.4%, and it has net margins of 20.5%.
Key information
7.7%
Earnings growth rate
9.1%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 4.7% |
| Return on equity | 6.4% |
| Net Margin | 20.5% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Isabella Bank makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 67 | 14 | 39 | 0 |
| 30 Jun 24 | 68 | 15 | 38 | 0 |
| 31 Mar 24 | 69 | 16 | 38 | 0 |
| 31 Dec 23 | 71 | 18 | 37 | 0 |
| 30 Sep 23 | 74 | 21 | 38 | 0 |
| 30 Jun 23 | 75 | 22 | 38 | 0 |
| 31 Mar 23 | 75 | 23 | 36 | 0 |
| 31 Dec 22 | 74 | 22 | 36 | 0 |
| 30 Sep 22 | 71 | 21 | 35 | 0 |
| 30 Jun 22 | 69 | 20 | 35 | 0 |
| 31 Mar 22 | 67 | 19 | 34 | 0 |
| 31 Dec 21 | 67 | 19 | 34 | 0 |
| 30 Sep 21 | 67 | 14 | 34 | 0 |
| 30 Jun 21 | 67 | 14 | 34 | 0 |
| 31 Mar 21 | 66 | 13 | 34 | 0 |
| 31 Dec 20 | 62 | 11 | 34 | 0 |
| 30 Sep 20 | 56 | 13 | 34 | 0 |
| 30 Jun 20 | 56 | 13 | 33 | 0 |
| 31 Mar 20 | 56 | 13 | 33 | 0 |
| 31 Dec 19 | 57 | 13 | 33 | 0 |
| 30 Sep 19 | 61 | 16 | 33 | 0 |
| 30 Jun 19 | 60 | 15 | 33 | 0 |
| 31 Mar 19 | 59 | 14 | 33 | 0 |
| 31 Dec 18 | 58 | 14 | 33 | 0 |
| 30 Sep 18 | 58 | 13 | 33 | 0 |
| 30 Jun 18 | 57 | 13 | 32 | 0 |
| 31 Mar 18 | 57 | 14 | 31 | 0 |
| 31 Dec 17 | 57 | 13 | 31 | 0 |
| 30 Sep 17 | 56 | 14 | 29 | 0 |
| 30 Jun 17 | 55 | 14 | 29 | 0 |
| 31 Mar 17 | 54 | 14 | 28 | 0 |
| 31 Dec 16 | 53 | 14 | 28 | 0 |
| 30 Sep 16 | 53 | 13 | 29 | 0 |
| 30 Jun 16 | 54 | 14 | 28 | 0 |
| 31 Mar 16 | 54 | 14 | 28 | 0 |
| 31 Dec 15 | 54 | 15 | 27 | 0 |
| 30 Sep 15 | 52 | 15 | 25 | 0 |
| 30 Jun 15 | 51 | 15 | 25 | 0 |
| 31 Mar 15 | 51 | 14 | 26 | 0 |
| 31 Dec 14 | 51 | 14 | 27 | 0 |
| 30 Sep 14 | 53 | 13 | 29 | 0 |
| 30 Jun 14 | 53 | 13 | 30 | 0 |
| 31 Mar 14 | 53 | 13 | 30 | 0 |
Quality Earnings: ISBA has high quality earnings.
Growing Profit Margin: ISBA's current net profit margins (20.5%) are lower than last year (27.8%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: ISBA's earnings have grown by 7.7% per year over the past 5 years.
Accelerating Growth: ISBA's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: ISBA had negative earnings growth (-33.8%) over the past year, making it difficult to compare to the Banks industry average (-11.7%).
Return on Equity
High ROE: ISBA's Return on Equity (6.4%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/02 20:21 |
| End of Day Share Price | 2024/12/30 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Isabella Bank Corporation is covered by 2 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Nathan Race | Piper Sandler Companies |
| David Joseph Storms | Stonegate Capital Partners, Inc. |