Isabella Bank Corporation Cash Flow Quality Index
Isabella Bank Corporation cash flow quality index. Isabella Bank Corporation (ISBA) has a Cash Flow Quality Index of 1.53x as of June 2026. Operating cash flow of $7.70 Million exceeds net income of $5.04 Million, indicating high earnings quality where cash backs reported profits. See ISBA FCF to total liabilities ratio to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Isabella Bank Corporation (1999–2025)
Cash flow quality index of Isabella Bank Corporation from 1999 to 2025. Historical Cash Flow Quality Index for Isabella Bank Corporation across 27 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore ISBA debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
Isabella Bank Corporation Cash Flow Quality Index by Year (1999–2025)
Isabella Bank Corporation cash flow quality index by year from 1999 to 2025. Year-by-year earnings quality comparison for Isabella Bank Corporation. For the full cash flow conversion analysis, see ISBA cash generation efficiency.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.42x | $26.82 Million | $18.91 Million | ▲ +0.3% |
| 2024 | 1.41x | $19.64 Million | $13.89 Million | ▲ +6.2% |
| 2023 | 1.33x | $24.18 Million | $18.17 Million | ▲ +9.9% |
| 2022 | 1.21x | $26.94 Million | $22.24 Million | ▼ -7.4% |
| 2021 | 1.31x | $25.50 Million | $19.50 Million | ▼ -35.3% |
| 2020 | 2.02x | $22.00 Million | $10.88 Million | ▲ +12.9% |
| 2019 | 1.79x | $23.30 Million | $13.02 Million | ▲ +14.2% |
| 2018 | 1.57x | $21.96 Million | $14.02 Million | ▲ +5.4% |
| 2017 | 1.49x | $19.67 Million | $13.24 Million | ▲ +1.3% |
| 2016 | 1.47x | $20.24 Million | $13.80 Million | ▲ +83.6% |
| 2015 | 0.80x | $12.09 Million | $15.13 Million | ▼ -37.6% |
| 2014 | 1.28x | $17.56 Million | $13.72 Million | ▼ -32.2% |
| 2013 | 1.89x | $23.61 Million | $12.51 Million | ▲ +18.3% |
| 2012 | 1.59x | $19.46 Million | $12.21 Million | ▼ -13.7% |
| 2011 | 1.85x | $18.86 Million | $10.21 Million | ▼ -37.0% |
| 2010 | 2.93x | $26.52 Million | $9.04 Million | ▲ +25.5% |
| 2009 | 2.34x | $18.23 Million | $7.80 Million | ▼ -53.6% |
| 2008 | 5.04x | $20.66 Million | $4.10 Million | ▼ -33.8% |
| 2007 | 7.62x | $60.39 Million | $7.93 Million | ▲ +3080.0% |
| 2006 | -0.26x | $-1.79 Million | $7.00 Million | ▼ -109.6% |
| 2005 | 2.67x | $18.11 Million | $6.78 Million | ▲ +39.4% |
| 2004 | 1.92x | $12.74 Million | $6.64 Million | ▼ -30.4% |
| 2003 | 2.76x | $19.86 Million | $7.21 Million | ▲ +211.8% |
| 2002 | 0.88x | $6.12 Million | $6.92 Million | ▲ +150.1% |
| 2001 | 0.35x | $2.15 Million | $6.07 Million | ▼ -71.9% |
| 2000 | 1.26x | $6.83 Million | $5.43 Million | ▼ -42.8% |
| 1999 | 2.20x | $11.53 Million | $5.24 Million | — |