Isabella Bank Corporation (ISBA) — Cash Flow-to-Debt Ratio
Isabella Bank Corporation (ISBA) has a Cash Flow-to-Debt Ratio of 0.00x as of June 2026, meaning its operating cash flow of $7.70 Million could theoretically repay 0% of its total liabilities ($1.97 Billion) in one year. See Isabella Bank Corporation leverage flexibility ratio to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Isabella Bank Corporation Cash Flow-to-Debt Ratio (1995–2025)
Historical debt coverage capacity for Isabella Bank Corporation across 31 annual periods. For the full cash flow conversion analysis, see Isabella Bank Corporation (ISBA) cash conversion ratio.
Annual Cash Flow-to-Debt Ratio for Isabella Bank Corporation (1995–2025)
Year-by-year debt coverage analysis for Isabella Bank Corporation. Check ISBA operating cash flow to net income to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | $26.82 Million | $1.98 Billion | ▲ +29.5% |
| 2024 | 0.01x | $19.64 Million | $1.88 Billion | ▼ -19.6% |
| 2023 | 0.01x | $24.18 Million | $1.86 Billion | ▼ -10.8% |
| 2022 | 0.01x | $26.94 Million | $1.84 Billion | ▲ +4.3% |
| 2021 | 0.01x | $25.50 Million | $1.82 Billion | ▲ +10.7% |
| 2020 | 0.01x | $22.00 Million | $1.74 Billion | ▼ -12.9% |
| 2019 | 0.01x | $23.30 Million | $1.60 Billion | ▲ +8.6% |
| 2018 | 0.01x | $21.96 Million | $1.64 Billion | ▲ +10.1% |
| 2017 | 0.01x | $19.67 Million | $1.62 Billion | ▼ -7.3% |
| 2016 | 0.01x | $20.24 Million | $1.54 Billion | ▲ +60.9% |
| 2015 | 0.01x | $12.09 Million | $1.48 Billion | ▼ -36.2% |
| 2014 | 0.01x | $17.56 Million | $1.37 Billion | ▼ -27.9% |
| 2013 | 0.02x | $23.61 Million | $1.33 Billion | ▲ +15.2% |
| 2012 | 0.02x | $19.46 Million | $1.27 Billion | ▼ -3.6% |
| 2011 | 0.02x | $18.86 Million | $1.18 Billion | ▼ -35.0% |
| 2010 | 0.02x | $26.52 Million | $1.08 Billion | ▲ +35.1% |
| 2009 | 0.02x | $18.23 Million | $1.00 Billion | ▼ -11.6% |
| 2008 | 0.02x | $20.66 Million | $1.00 Billion | ▼ -71.6% |
| 2007 | 0.07x | $60.39 Million | $834.20 Million | ▲ +3314.3% |
| 2006 | 0.00x | $-1.79 Million | $794.38 Million | ▼ -108.2% |
| 2005 | 0.03x | $18.11 Million | $660.75 Million | ▲ +30.2% |
| 2004 | 0.02x | $12.74 Million | $605.44 Million | ▼ -36.9% |
| 2003 | 0.03x | $19.86 Million | $595.14 Million | ▲ +221.2% |
| 2002 | 0.01x | $6.12 Million | $589.26 Million | ▲ +159.4% |
| 2001 | 0.00x | $2.15 Million | $535.32 Million | ▼ -71.3% |
| 2000 | 0.01x | $6.83 Million | $488.97 Million | ▼ -44.7% |
| 1999 | 0.03x | $11.53 Million | $456.49 Million | ▲ +949.3% |
| 1998 | 0.00x | $853.00K | $354.26 Million | ▼ -85.6% |
| 1997 | 0.02x | $4.81 Million | $287.77 Million | ▼ -20.0% |
| 1996 | 0.02x | $5.66 Million | $270.74 Million | ▲ +65.5% |
| 1995 | 0.01x | $3.23 Million | $255.70 Million | — |