Isabella Bank Corporation Financial Flexibility Index
Isabella Bank Corporation financial flexibility index. Isabella Bank Corporation (ISBA) has a Financial Flexibility Index of 0.00x as of June 2026. Free cash flow of $8.24 Million (operating CF $7.70 Million minus capex $536.00K) represents 0% of total liabilities ($1.97 Billion). See ISBA free cash flow generation to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Isabella Bank Corporation (1995–2025)
Financial flexibility index of Isabella Bank Corporation from 1995 to 2025. Historical Financial Flexibility Index trend for Isabella Bank Corporation across 31 annual periods. Check Isabella Bank Corporation earnings quality ratio to evaluate the quality of earnings relative to operating cash generation.
Isabella Bank Corporation Financial Flexibility Index by Year (1995–2025)
Isabella Bank Corporation financial flexibility index by year from 1995 to 2025. Year-by-year free cash flow to debt coverage for Isabella Bank Corporation. For the full cash flow conversion analysis, see ISBA operating cash flow.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $30.30 Million | $26.82 Million | $1.98 Billion | ▲ +32.1% |
| 2024 | 0.01x | $21.74 Million | $19.64 Million | $1.88 Billion | ▼ -23.8% |
| 2023 | 0.02x | $28.25 Million | $24.18 Million | $1.86 Billion | ▼ -6.9% |
| 2022 | 0.02x | $30.14 Million | $26.94 Million | $1.84 Billion | ▲ +9.9% |
| 2021 | 0.01x | $27.09 Million | $25.50 Million | $1.82 Billion | ▲ +10.0% |
| 2020 | 0.01x | $23.52 Million | $22.00 Million | $1.74 Billion | ▼ -12.0% |
| 2019 | 0.02x | $24.64 Million | $23.30 Million | $1.60 Billion | ▲ +3.9% |
| 2018 | 0.01x | $24.27 Million | $21.96 Million | $1.64 Billion | ▲ +10.2% |
| 2017 | 0.01x | $21.71 Million | $19.67 Million | $1.62 Billion | ▼ -13.9% |
| 2016 | 0.02x | $24.04 Million | $20.24 Million | $1.54 Billion | ▲ +34.2% |
| 2015 | 0.01x | $17.22 Million | $12.09 Million | $1.48 Billion | ▼ -21.3% |
| 2014 | 0.01x | $20.27 Million | $17.56 Million | $1.37 Billion | ▼ -24.7% |
| 2013 | 0.02x | $26.09 Million | $23.61 Million | $1.33 Billion | ▲ +7.6% |
| 2012 | 0.02x | $23.04 Million | $19.46 Million | $1.27 Billion | ▲ +0.7% |
| 2011 | 0.02x | $21.38 Million | $18.86 Million | $1.18 Billion | ▼ -34.4% |
| 2010 | 0.03x | $29.75 Million | $26.52 Million | $1.08 Billion | ▲ +29.9% |
| 2009 | 0.02x | $21.26 Million | $18.23 Million | $1.00 Billion | ▼ -10.0% |
| 2008 | 0.02x | $23.65 Million | $20.66 Million | $1.00 Billion | ▼ -69.4% |
| 2007 | 0.08x | $64.11 Million | $60.39 Million | $834.20 Million | ▲ +8904.2% |
| 2006 | 0.00x | $678.00K | $-1.79 Million | $794.38 Million | ▼ -97.2% |
| 2005 | 0.03x | $20.48 Million | $18.11 Million | $660.75 Million | ▲ +10.1% |
| 2004 | 0.03x | $17.04 Million | $12.74 Million | $605.44 Million | ▼ -26.8% |
| 2003 | 0.04x | $22.88 Million | $19.86 Million | $595.14 Million | ▲ +175.2% |
| 2002 | 0.01x | $8.23 Million | $6.12 Million | $589.26 Million | ▲ +23.3% |
| 2001 | 0.01x | $6.07 Million | $2.15 Million | $535.32 Million | ▼ -37.4% |
| 2000 | 0.02x | $8.86 Million | $6.83 Million | $488.97 Million | ▼ -34.4% |
| 1999 | 0.03x | $12.61 Million | $11.53 Million | $456.49 Million | ▲ +449.0% |
| 1998 | 0.01x | $1.78 Million | $853.00K | $354.26 Million | ▼ -74.6% |
| 1997 | 0.02x | $5.71 Million | $4.81 Million | $287.77 Million | ▼ -23.2% |
| 1996 | 0.03x | $6.99 Million | $5.66 Million | $270.74 Million | ▲ +65.8% |
| 1995 | 0.02x | $3.98 Million | $3.23 Million | $255.70 Million | — |