Isabella Bank Corporation Financial Ratios — 358 Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	6.81	7.65	7.7	8.19	8.44	7.42	6.92	7.18	6.42	5.08	9.08	11.2	9.35	6.73	8.56
Return on Assets (%)	0.8	0.88	0.86	0.9	0.94	0.81	0.75	0.77	0.71	0.58	0.98	1.09	0.89	0.67	0.88
Return on Capital (%)	3.21	3.98	3.91	3.98	3.85	3.15	2.81	2.86	2.74	2.85	6.86	9.35	7.46	5.13	6.57
Return on Invested Capital (%)	- -	3.98	3.72	3.73	3.68	3.03	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	33.5	35.28	36.08	41.41	36.92	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	27.07	30.01	32.09	36.73	31.47	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	128.49	2,937.5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	23.23	27.07	30.01	32.09	36.73	31.47	29.63	27.04	24.63	19.17	36.56	37.68	31.19	23.96	31.62
Profit Margin (%)	20.51	22.68	25.53	27.41	30.17	26.9	24.13	24.65	22.27	17.58	30.53	31.22	25.95	20.29	24.78
Net Income to Common Margin (%)	20.51	22.68	25.53	27.41	30.17	26.9	24.13	24.65	22.27	17.58	30.53	31.22	25.95	20.29	24.78
Effective Tax Rate (%)	11.71	16.22	14.93	14.59	17.85	14.54	18.56	8.86	9.58	8.31	16.48	17.16	16.79	15.3	21.61
Dvd Payout Ratio (%)	56.51	49.76	51.61	49.86	48.07	55.4	60.36	58.26	63.59	78.31	42.91	36.34	45.22	58.66	42.76
Sustainable Growth Rate (%)	2.96	3.84	3.72	4.11	4.38	3.31	2.74	3	2.34	1.1	5.18	7.13	5.12	2.78	4.9

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	142	152	162	192	235	270	290	300	245	90	49	29	69	59	75
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	142	152	162	192	235	270	290	300	245	90	49	29	69	59	75
Total Debt/EBITDA	- -	8.43	9.37	10.63	11.32	14.25	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	6.8	6.93	9.53	10.28	13.05	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	10.43	11.58	12.75	13.37	17.35	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	8.42	8.57	11.42	12.14	15.88	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.57	11.5	10.76	11.27	11.03	10.85	10.75	10.61	11.6	11.17	10.39	9.17	9.83	10.08	10.47
Long-Term Debt/Equity (%)	91.9	92.41	100.87	109.97	127.74	143.69	148.79	153.44	116.57	41.17	23.29	15.71	34.26	28.26	32.2
Long-Term Debt/Capital (%)	47.89	48.03	50.22	52.37	56.09	58.96	59.81	60.54	53.82	29.17	18.89	13.57	25.52	22.03	24.36
Long-Term Debt/Total Assets (%)	10.63	10.62	10.85	12.39	14.09	15.59	15.99	16.28	13.52	4.6	2.42	1.44	3.37	2.85	3.37
Total Debt/Equity (%)	91.9	92.41	100.87	109.97	127.74	143.69	148.79	153.44	116.57	41.17	23.29	15.71	34.26	28.26	32.2
Total Debt/Capital (%)	47.89	48.03	50.22	52.37	56.09	58.96	59.81	60.54	53.82	29.17	18.89	13.57	25.52	22.03	24.36
Total Debt/Total Assets (%)	10.63	10.62	10.85	12.39	14.09	15.59	15.99	16.28	13.52	4.6	2.42	1.44	3.37	2.85	3.37
Net Debt to Equity	67.66	74.54	74.63	98.57	116.01	131.51	132.96	115.86	87.75	-71.66	-26.62	-5.2	17.62	16.59	20.95
Net Debt/Capital (%)	40.36	42.71	42.74	49.64	53.71	56.81	57.07	53.67	46.74	-252.86	-36.27	-5.48	14.98	14.23	17.32
EBITDA	- -	18	17	18	21	19	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	14	15	15	16	15	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	15	15	16	18	16	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.57	11.5	10.76	11.27	11.03	10.85	10.75	10.61	11.6	11.17	10.39	9.17	9.83	10.08	10.47
Long-Term Debt/Equity (%)	91.9	92.41	100.87	109.97	127.74	143.69	148.79	153.44	116.57	41.17	23.29	15.71	34.26	28.26	32.2
Long-Term Debt/Capital (%)	47.89	48.03	50.22	52.37	56.09	58.96	59.81	60.54	53.82	29.17	18.89	13.57	25.52	22.03	24.36
Long-Term Debt/Total Assets (%)	10.63	10.62	10.85	12.39	14.09	15.59	15.99	16.28	13.52	4.6	2.42	1.44	3.37	2.85	3.37
Total Debt/Equity (%)	91.9	92.41	100.87	109.97	127.74	143.69	148.79	153.44	116.57	41.17	23.29	15.71	34.26	28.26	32.2
Total Debt/Capital (%)	47.89	48.03	50.22	52.37	56.09	58.96	59.81	60.54	53.82	29.17	18.89	13.57	25.52	22.03	24.36
Total Debt/Total Assets (%)	10.63	10.62	10.85	12.39	14.09	15.59	15.99	16.28	13.52	4.6	2.42	1.44	3.37	2.85	3.37
CFO/Total Liabilities	1.59	1.54	1.77	1.28	0.81	1.31	1.22	1.33	1.45	1.27	1.4	1.46	1.3	1.05	1.36
CFO/CapEx	7.48	5.44	9.49	6.47	2.36	5.32	9.65	9.53	17.46	14.49	16.01	8.39	5.95	9.32	7.71
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	8.81	9.72	9.19	8.87	8.27	7.99	8.04	8.13	8.71	4.49	3.11	2.66	2.04	- -	- -
Days Sales Outstanding	41.45	37.55	39.73	41.17	44.11	45.71	45.39	44.88	41.91	81.21	117.27	137.24	179.14	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	127	354
- Cash & Cash Equivalents	38	29	42	20	22	23	31	73	61	247	105	39	34	25	26
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	142	152	162	192	235	270	290	300	245	90	49	29	69	59	75
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-327	202
Total Capital	297	316	323	367	419	458	485	496	455	309	260	215	272	270	306
Total Debt/Capital (%)	47.89	48.03	50.22	52.37	56.09	58.96	59.81	60.54	53.82	29.17	18.89	13.57	25.52	22.03	24.36
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.18	0.37
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.64
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.52
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.64
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	131	357
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-324	205
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	27.54
TTM Sales	50	54	49	50	50	51	55	57	58	62	64	71	70	68	76
TTM EBITDA	- -	18	17	18	21	19	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	15	15	16	18	16	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	19	19	24	18	12	20	20	22	23	22	26	27	24	20	27
TTM Free Cash Flow to Firm	16	16	21	15	7	16	18	20	22	20	24	24	20	18	23

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.45	15.3
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-327	202
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.74	17.48
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.64
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.4	18.89
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.17	10.67
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.57	21.18
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.77	6.83
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.61	1.53
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.53	0.86
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.62	1.72
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.37	0.55
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.79	1.93
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.68	1.09
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.8	2.17
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.48	0.7
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.91	4.68
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.66	2.64
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.94	5.25
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.17	1.69
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.65	13.32
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.78	7.52
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.77	14.94
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.08	4.81
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.47	8.64
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.58	17.16
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.57	5.53
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.62
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.21
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	17.49	48.35
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	17.8	54.23
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-343	48
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-325	245
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-376	-24

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	8	8	8	8	8	8	8	8	8	8	8	8	7	7	7
Diluted Weighted Avg Shares	8	8	8	8	8	8	8	8	8	8	8	8	8	7	7
Basic Weighted Avg Shares	8	8	8	8	8	8	8	8	8	8	8	8	8	7	7
Revenue per Share	6.57	7.08	6.37	6.47	6.45	6.57	7	7.23	7.41	7.79	8.48	9.44	9.32	9.16	10.33
EBITDA per Share	- -	2.37	2.25	2.34	2.67	2.42	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	1.92	1.91	2.08	2.37	2.07	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.35	1.61	1.63	1.77	1.95	1.77	1.69	1.78	1.65	1.37	2.59	2.95	2.42	1.86	2.56
Basic EPS from Cont Ops	1.35	1.61	1.63	1.77	1.95	1.77	1.69	1.78	1.65	1.37	2.59	2.95	2.42	1.86	2.56
Diluted EPS, GAAP	1.31	1.56	1.59	1.74	1.9	1.73	1.65	1.74	1.61	1.34	2.45	2.91	2.4	1.86	2.56
Diluted EPS from Cont Ops	1.31	1.56	1.59	1.74	1.9	1.73	1.65	1.74	1.61	1.34	2.45	2.91	2.4	1.86	2.56
Dividend per Share	0.76	0.8	0.84	0.88	0.94	0.98	1.02	1.04	1.05	1.07	1.11	1.07	1.09	1.09	1.09
Cash Flow per Share	2.49	2.56	3.07	2.27	1.55	2.59	2.51	2.79	2.95	2.77	3.39	3.56	3.22	2.63	3.63
Free Cash Flow per Basic Share	2.16	2.09	2.74	1.92	0.9	2.1	2.25	2.5	2.78	2.58	3.17	3.14	2.68	2.35	3.16
Cash & Equivalents per Share	61.09	69.57	71.88	75.68	87.62	74.53	74.06	72.36	62.21	73.8	79.11	81.94	76.59	70.52	30.98
Book Value per Share	20.44	21.45	20.83	22.49	23.65	24.1	24.91	24.89	26.66	27.54	28.02	24.63	27.59	28.87	31.6
Tangible Book Value per Share	14.26	15.39	14.82	16.55	17.37	17.86	18.7	18.72	20.52	21.45	21.61	18.25	21.01	22.24	25.01