Isabella Bank Corporation (ISBA) — 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). Check ISBA capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Isabella Bank Corporation Financial Flexibility Index (1995–2025)
Historical Financial Flexibility Index trend for Isabella Bank Corporation across 31 annual periods. For the full cash flow conversion analysis, see Isabella Bank Corporation (ISBA) cash flow conversion.
Annual Financial Flexibility Index for Isabella Bank Corporation (1995–2025)
Year-by-year free cash flow to debt coverage for Isabella Bank Corporation. Explore debt repayment capacity of Isabella Bank Corporation to assess how comfortably operating cash covers total debt obligations.
| 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 | — |