Isabella Bank Corporation (ISBA) — Cash Flow Quality Index
Isabella Bank Corporation (ISBA) has a Cash Flow Quality Index of 0.76x as of March 2026. Operating cash flow of $3.78 Million is below net income of $4.99 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore cash efficiency ratio of Isabella Bank Corporation to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Isabella Bank Corporation Cash Flow Quality Index (1999–2025)
Historical Cash Flow Quality Index for Isabella Bank Corporation across 27 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check ISBA cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Isabella Bank Corporation (1999–2025)
Year-by-year earnings quality comparison for Isabella Bank Corporation. For live market cap and the full company financial profile, see ISBA market cap overview.
| 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 | — |