Demonstrações financeiras detalhadas de Isabella Bank Corporation (ISBA): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Isabella Bank Corporation registou receitas de $112.0M no último exercício, com um CAGR de 5 anos de 8.1%. O lucro líquido atingiu $18.9M, com CAGR de 5 anos de 11.7%.
Margens dos últimos 12 meses: margem bruta 67.7%, margem operacional 10.4%, margem líquida 18.8%. O fluxo de caixa livre cresceu a CAGR de 2.6% em 5 anos.
Ao preço atual de $38.11, ISBA negocia a um P/L de 14.08 e um ROE de 8.48%. A capitalização de mercado é de $279M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $62.2M | $67.4M | $72.5M | $76.3M | $75.8M | $71.3M | $76.6M | $90.8M | $101.7M | $112.0M |
| Custo da Receita | $10.7M | $12.7M | $16.6M | $17.9M | $15.5M | $6.9M | $5.8M | $22.3M | $36.0M | $32.9M |
| Lucro Bruto | $51.4M | $54.6M | $55.9M | $58.4M | $60.3M | $64.4M | $70.8M | $68.4M | $65.7M | $79.1M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $21.3M | $23.6M | $24.8M | $25.0M | $26.0M | $26.1M | $27.4M | $28.9M | $31.4M | $42.6M |
| Despesas Operacionais | $35.3M | $38.4M | $40.5M | $44.0M | $48.4M | $41.0M | $43.9M | $46.6M | $49.3M | $56.9M |
| Lucro Operacional | $16.1M | $16.3M | $15.4M | $14.4M | $11.9M | $23.3M | $26.8M | $21.8M | $16.4M | $22.1M |
| EBITDA | $19.5M | $19.6M | $18.6M | $17.7M | $15.0M | $26.3M | $28.9M | $23.8M | $18.5M | $22.3M |
| Despesas com Juros | $10.9M | $12.5M | $15.6M | $17.9M | $13.8M | $7.4M | $5.3M | $21.7M | $34.1M | $33.5M |
| Lucro Antes de Impostos | $16.1M | $16.3M | $15.4M | $14.4M | $11.9M | $23.3M | $26.8M | $21.8M | $16.4M | $24.1M |
| Imposto | $2.3M | $3.0M | $1.4M | $1.4M | $987000 | $3.8M | $4.6M | $3.7M | $2.5M | $5.2M |
| Lucro Líquido | $13.8M | $13.2M | $14.0M | $13.0M | $10.9M | $19.5M | $22.2M | $18.2M | $13.9M | $18.9M |
| LPA | $1.77 | $1.69 | $1.78 | $1.65 | $1.37 | $2.48 | $2.95 | $2.42 | $1.86 | $2.56 |
| LPA Diluído | $1.73 | $1.65 | $1.74 | $1.61 | $1.34 | $2.45 | $2.91 | $2.40 | $1.86 | $2.56 |
| Ações em Circulação (Diluídas) | $8.0M | $8.0M | $8.1M | $8.1M | $8.1M | $8.0M | $7.6M | $7.6M | $7.5M | $7.4M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $28.6M | $31.4M | $29.5M | $16.9M |
| Lucro Bruto | $19.7M | $22.4M | $21.2M | $8.7M |
| Lucro Operacional | $6.3M | $4.8M | $6.0M | -$6.0M |
| EBITDA | $6.8M | $5.4M | $6.5M | -$6.5M |
| Lucro Líquido | $5.2M | $4.7M | $5.0M | $5.0M |
| LPA | $0.71 | $0.64 | $0.68 | $0.69 |
| LPA Diluído | $0.71 | $0.64 | $0.68 | $0.69 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $22.9M | $30.8M | $73.5M | $60.6M | $246.6M | $105.3M | $38.9M | $33.7M | $24.5M | $26.0M |
| Investimentos de Curto Prazo | $558.1M | $552.3M | $494.8M | $429.8M | $339.2M | $490.6M | $580.5M | $528.1M | $228.5M | $200.8M |
| Contas a Receber | $6.6M | $7.1M | $6.9M | $6.5M | $21.1M | $20.0M | $33.6M | $35.1M | 0 | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $587.6M | $590.2M | $575.2M | $496.9M | $606.9M | $615.9M | $653.0M | $597.0M | $253.0M | $226.9M |
| Imobilizado | $29.3M | $28.4M | $27.8M | $26.2M | $25.1M | $24.4M | $25.6M | $27.6M | $27.7M | $29.0M |
| Ágio | $48.3M | $48.3M | $48.3M | $48.3M | $48.3M | $48.3M | $48.3M | $48.3M | $48.3M | $48.3M |
| Ativos Intangíveis | $384000 | $265000 | $169000 | $97000 | $49000 | $20000 | $5000 | $2000 | $1000 | 0 |
| Ativos Totais | $1.73B | $1.81B | $1.84B | $1.81B | $1.96B | $2.03B | $2.03B | $2.06B | $2.09B | $2.21B |
| Contas a Pagar | $11.5M | $8.1M | $14.0M | $12.6M | $13.7M | $11.5M | $12.8M | 0 | 0 | 0 |
| Dívida de Curto Prazo | $67.7M | $54.9M | $40.3M | $31.0M | $68.7M | $50.2M | $57.8M | $46.8M | $53.6M | $68.0M |
| Passivos Circulantes | $1.29B | $1.34B | $1.35B | $1.36B | $1.65B | $1.77B | $1.81B | $1.77B | $1.80B | $1.89B |
| Dívida de Longo Prazo | $270.0M | $290.0M | $300.0M | $245.0M | $90.0M | $49.2M | $29.2M | $69.3M | $59.4M | $74.5M |
| Passivos Totais | $1.54B | $1.62B | $1.64B | $1.60B | $1.74B | $1.82B | $1.84B | $1.86B | $1.88B | $1.98B |
| Reservas | $46.1M | $51.7M | $57.4M | $62.1M | $64.5M | $75.6M | $89.7M | $97.3M | $103.0M | $113.8M |
| Patrimônio Líquido | $187.9M | $194.9M | $195.5M | $210.2M | $218.6M | $211.0M | $186.2M | $202.4M | $210.3M | $231.4M |
| Dívida Total | $337.7M | $344.9M | $340.3M | $276.0M | $158.7M | $99.3M | $87.0M | $116.1M | $113.0M | $142.5M |
| Dívida Líquida | -$243.3M | -$238.3M | -$228.0M | -$214.4M | -$427.1M | -$496.6M | -$532.4M | -$445.7M | -$140.0M | -$84.3M |
| Capital de Giro | -$698.2M | -$746.1M | -$771.8M | -$860.5M | -$1.04B | -$1.16B | -$1.16B | -$1.17B | -$1.55B | -$1.66B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $161.3M | $26.0M | $50.1M | $481.1M |
| Ativos Totais | $2.26B | $2.21B | $2.25B | $2.22B |
| Passivos Totais | $2.03B | $1.98B | $2.02B | $1.97B |
| Patrimônio Líquido | $227.4M | $231.4M | $234.0M | $248.7M |
| Dívida Total | $91.5M | $142.5M | $143.1M | $145.6M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $13.8M | $13.2M | $14.0M | $13.0M | $10.9M | $19.5M | $22.2M | $18.2M | $13.9M | $18.9M |
| Depreciação e Amortização | $3.4M | $3.4M | $3.3M | $3.3M | $3.2M | $2.9M | $2.1M | $2.0M | $2.1M | $146000 |
| Compensação em Ações | $573000 | $640000 | $612000 | $523000 | $14000 | $86000 | $610000 | $782000 | $476000 | $341000 |
| Variação Capital de Giro | $694000 | -$2.2M | $608000 | $2.1M | -$423000 | $1.4M | -$553000 | $736000 | $1.5M | $6.8M |
| Fluxo de Caixa Operacional | $20.2M | $19.7M | $22.0M | $23.3M | $22.0M | $25.5M | $26.9M | $24.2M | $19.6M | $26.8M |
| CapEx | -$3.8M | -$2.0M | -$2.3M | -$1.3M | -$1.5M | -$1.6M | -$3.2M | -$4.1M | -$2.1M | -$3.5M |
| Aquisições | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | -$4.8M | -$5.6M | -$7.4M | -$5.1M | -$4.3M | -$14.9M | -$2.3M | -$5.0M | -$4.4M | -$4.7M |
| Dividendos Pagos | -$7.6M | -$8.0M | -$8.2M | -$8.3M | -$8.5M | -$8.4M | -$8.1M | -$8.2M | -$8.1M | -$8.1M |
| Fluxo de Caixa Livre | $16.4M | $17.6M | $19.7M | $22.0M | $20.5M | $23.9M | $23.7M | $20.1M | $17.5M | $23.3M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $2.7M | $11.5M | $3.8M | $7.7M |
| CapEx | -$1.0M | -$878000 | -$536000 | $536000 |
| Fluxo de Caixa Livre | $1.7M | $10.6M | $3.2M | $8.2M |
| Dividendos Pagos | -$2.0M | -$2.0M | -$2.1M | -$2.0M |
| Compensação em Ações | $56000 | $63000 | $172000 | 0 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +8.3% | +7.7% | +5.3% | -0.8% | -5.9% | +7.4% | +18.6% | +12.1% | +10.1% |
| Crescimento Lucro Líquido (anual) | | -4.1% | +5.9% | -7.1% | -16.4% | +79.1% | +14.0% | -18.3% | -23.5% | +36.2% |
| Crescimento LPA (anual) | | -4.5% | +5.3% | -7.3% | -17.0% | +81.0% | +19.0% | -18.0% | -23.1% | +37.6% |
| Variação de Ações (anual) | | +0.4% | +0.5% | +0.3% | +0.1% | -1.7% | -4.0% | -0.9% | -1.2% | -1.4% |
| Crescimento FCF (anual) | | +7.3% | +11.5% | +11.8% | -6.8% | +16.7% | -0.7% | -15.2% | -12.9% | +33.1% |
| Margem Bruta | 82.7% | 81.1% | 77.1% | 76.6% | 79.6% | 90.3% | 92.4% | 75.4% | 64.6% | 70.6% |
| Margem Operacional | 26.0% | 24.1% | 21.2% | 18.9% | 15.7% | 32.8% | 35.1% | 24.1% | 16.1% | 19.8% |
| Margem EBITDA | 31.4% | 29.1% | 25.7% | 23.2% | 19.9% | 36.9% | 37.8% | 26.2% | 18.2% | 19.9% |
| Margem Líquida | 22.2% | 19.7% | 19.3% | 17.1% | 14.4% | 27.4% | 29.0% | 20.0% | 13.7% | 16.9% |
| Margem FCF | 26.4% | 26.2% | 27.1% | 28.8% | 27.0% | 33.5% | 31.0% | 22.2% | 17.2% | 20.8% |
| Taxa Efetiva de Imposto | 14.5% | 18.6% | 8.9% | 9.6% | 8.3% | 16.5% | 17.2% | 16.8% | 15.3% | 21.6% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $2.05 | $2.19 | $2.44 | $2.71 | $2.53 | $3.00 | $3.10 | $2.66 | $2.34 | $3.16 |
| Dividendo por Ação | $0.96 | $0.99 | $1.01 | $1.02 | $1.05 | $1.05 | $1.06 | $1.08 | $1.09 | $1.10 |
| Ações em Circulação (Básicas) | $7.8M | $7.8M | $7.9M | $7.9M | $8.0M | $7.5M | $7.5M | $7.5M | $7.5M | $7.4M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 8.48% |
| Retorno sobre capital investido | 1.57% |
| Retorno sobre ativos | 0.90% |
| Margem bruta | 67.66% |
| Margem operacional | 10.44% |
| Margem líquida | 18.77% |
Saúde financeira
| Dívida / Patrimônio | 0.59 |
| Liquidez corrente | 4.15 |
| Piotroski F-Score | 7 |
| Altman Z-Score | -0.63 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 15.73 | 16.72 | 12.67 | 14.73 | 14.28 | 10.28 | 7.97 | 8.88 | 13.97 | 19.53 |
| P/VP | 1.16 | 1.14 | 0.91 | 0.91 | 0.71 | 0.91 | 0.95 | 0.80 | 0.92 | 1.59 |
| P/V | 3.50 | 3.29 | 2.45 | 2.52 | 2.06 | 2.69 | 2.32 | 1.78 | 1.90 | 3.29 |
| Margem Bruta | 82.7% | 81.1% | 77.1% | 76.6% | 79.6% | 90.3% | 92.4% | 75.4% | 64.6% | 70.6% |
| Margem Operacional | 26.0% | 24.1% | 21.2% | 18.9% | 15.7% | 32.8% | 35.1% | 24.1% | 16.1% | 19.8% |
| Margem Líquida | 22.2% | 19.7% | 19.3% | 17.1% | 14.4% | 27.4% | 29.0% | 20.0% | 13.7% | 16.9% |