Isabella Bank Corporation (ISBA) — Defensive Interval Ratio
Isabella Bank Corporation (ISBA) has a Defensive Interval Ratio of 80 days as of March 2026. Defensive assets of $430.76 Million (cash $-, short-term investments $430.76 Million, receivables $-) cover 80 days of daily cash needs of $5.41 Million/day. See ISBA net asset value for net asset value and shareholders' equity analysis.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Isabella Bank Corporation Defensive Interval Ratio (2014–2025)
This chart shows how Isabella Bank Corporation's Defensive Interval Ratio has evolved across 12 annual periods from 2014 to 2025. As of March 2026, the ratio stands at 80 days, meaning defensive assets of $430.76 Million can fund 80 days of operations without new revenue. Explore Isabella Bank Corporation cash conversion from operations to assess how effectively this company generates cash.
Annual Defensive Interval Ratio for Isabella Bank Corporation (2014–2025)
The table below presents the year-by-year Defensive Interval Ratio for Isabella Bank Corporation from 2014 to 2025, covering 12 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see Isabella Bank Corporation (ISBA) market capitalisation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 39 days | $200.81 Million | $5.17 Million/day | $- | $200.81 Million | ▼ -7 days |
| 2024 | 46 days | $228.49 Million | $4.93 Million/day | $- | $228.49 Million | ▼ -70 days |
| 2023 | 116 days | $563.28 Million | $4.85 Million/day | $- | $528.15 Million | ▼ -7 days |
| 2022 | 124 days | $614.07 Million | $4.97 Million/day | $- | $580.48 Million | ▲ +15 days |
| 2021 | 109 days | $510.58 Million | $4.69 Million/day | $- | $490.60 Million | ▲ +31 days |
| 2020 | 78 days | $360.28 Million | $4.65 Million/day | $- | $339.23 Million | ▼ -34 days |
| 2019 | 112 days | $429.84 Million | $3.84 Million/day | $- | $429.84 Million | ▼ -16 days |
| 2018 | 128 days | $501.76 Million | $3.93 Million/day | $- | $494.83 Million | ▼ -17 days |
| 2017 | 145 days | $552.31 Million | $3.81 Million/day | $- | $552.31 Million | ▼ -8 days |
| 2016 | 153 days | $558.10 Million | $3.65 Million/day | $- | $558.10 Million | ▲ +153 days |
| 2015 | 0 days | $0.00 | $3.52 Million/day | $- | $0.00 | ▼ -2 days |
| 2014 | 2 days | $7.70 Million | $3.21 Million/day | $- | $1.85 Million | — |