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ISABELLA BANK (ISBA)

Isabella Bank Corp. operates as a financial services holding company for Isabella Bank. Its products include personal and business banking, loans, advisory and planning services, and account and business services. It also provides insurance programs such as group life, health, accident, disability, and employee benefit programs. The company was founded in September 1988 and is headquartered in Mount Pleasant, MI.

ISBA stock data

Investment data

Data from SEC filings
Securities sold
Number of investors

Calendar

28 Jul 22
16 Aug 22
31 Dec 22
Quarter (USD) Jun 22 Mar 22 Dec 21 Sep 21
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD) Dec 21 Dec 20 Dec 19 Dec 18
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Cash burn rate (est.) Burn method: Change in cash Burn method: Operating income Burn method: FCF (opex + capex)
Last Q Avg 4Q Last Q Avg 4Q Last Q Avg 4Q
Cash on hand (at last report) 82.02M 82.02M 82.02M 82.02M 82.02M 82.02M
Cash burn (monthly) 26.39M 13.85M (no burn) (no burn) (no burn) (no burn)
Cash used (since last report) 41.44M 21.75M n/a n/a n/a n/a
Cash remaining 40.58M 60.27M n/a n/a n/a n/a
Runway (months of cash) 1.5 4.4 n/a n/a n/a n/a

Beta Read what these cash burn values mean

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
2 Aug 22 David J Maness common Buy Acquire P Yes No 23.95 65 1.56K 1,868.888
1 Aug 22 Jon D Catlin common Buy Acquire P No No 22.56 22.163 500 260.283
1 Aug 22 Jerome E Schwind common Buy Acquire P No No 22.56 17.731 400 20,848.964
1 Aug 22 Peggy Wheeler common Buy Acquire P No No 22.56 22.163 500 7,706.324
29 Jul 22 Bourland Jill common Buy Acquire P No No 23.75 66.316 1.58K 3,201.365

Financial report summary

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Risks
  • The COVID-19 pandemic may adversely affect our business
  • Changes in credit quality and required allowance for loan and lease losses
  • Changes in economic conditions
  • The value of investment securities may be negatively impacted by fluctuations in the market
  • The adoption of, violations of, or nonconformance with laws, rules, regulations, or prescribed practices
  • Changes to the financial services industry as a result of regulatory changes or actions, or significant litigation
  • We may not adjust to changes in the financial services industry
  • We may be required to recognize an impairment of goodwill
  • We may face pressure from purchasers of our residential mortgage loans to repurchase loans sold or reimburse purchasers for losses related to such loans
  • Consumers may decide not to use banks to complete their financial transactions
  • Unauthorized disclosure of sensitive or confidential client or customer information, whether through cyber attacks, breach of computer systems or other means
  • Our estimates and assumptions may be incorrect
  • Disruption of infrastructure

Content analysis

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Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability
7th grade Avg
New words: marked, online, platform, solution
Removed: affecting, alleviate, closure, corporate, created, disruption, ease, electronic, elevated, exhibit, expressed, facilitated, fluctuated, gradual, instability, lost, magnitude, March, newer, opportunity, passing, remove, response, select, setback, strategic, temporarily, volatility, volunteering, waive, world