Spoken Alpha
ISBA
ISABELLA BANK CORP
Overview
ISABELLA BANK CORP is a Financial Services company operating in Banks - Regional with a $292.1M market cap.
Most recent reported earnings: Q2 FY2026 (Jul 22, 2026).
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Extracted from Unknown source, 2026-06-21.
Transcripts
Recent earnings calls
No earnings calls indexed for ISBA yet
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History
Earnings history
- Q2 FY20262026-07-22EPS— vs $0.92—Rev— vs ——EODHD
- Q1 FY20262026-04-15EPS$0.68 vs $0.67+1.5%Rev$29.5M vs ——EODHD
- Q4 FY20252026-02-04EPS$0.64 vs $0.74-13.5%Rev$31.4M vs ——EODHD
- Q3 FY20252025-10-26EPS$0.71 vs $0.63+12.7%Rev$28.6M vs ——EODHD
- Q2 FY20252025-07-23EPS$0.55 vs $0.59-6.8%Rev$26.4M vs ——EODHD
- Q1 FY20252025-04-16EPS$0.57 vs $0.49+16.3%Rev$25.7M vs ——EODHD
- Q4 FY20242025-02-13EPS$0.52 vs $0.49+6.1%Rev$25.8M vs ——EODHD
- Q3 FY20242024-10-23EPS$0.44 vs $0.45-2.2%Rev$26.4M vs ——EODHD
- Q2 FY20242024-07-24EPS$0.46 vs $0.42+9.5%Rev$25.2M vs ——EODHD
- Q1 FY20242024-04-17EPS$0.42 vs $0.51-17.6%Rev$24.4M vs ——EODHD
- Q4 FY20232024-02-15EPS$0.51 vs $0.69-26.1%Rev$23.8M vs ——EODHD
- Q3 FY20232023-10-18EPS$0.58 vs $0.72-19.4%Rev$23.4M vs ——EODHD
- Q2 FY20232023-07-19EPS$0.61 vs $0.66-7.6%Rev$22.7M vs ——EODHD
- Q1 FY20232023-04-19EPS$0.70 vs $0.80-12.5%Rev$21.3M vs ——EODHD
- Q4 FY20222023-02-09EPS$0.83 vs $0.86-3.5%Rev$20.4M vs ——EODHD
- Q3 FY20222022-10-19EPS$0.77 vs $0.79-2.5%Rev$19.5M vs ——EODHD
- Q2 FY20222022-07-20EPS$0.69 vs $0.58+19.0%Rev$19.0M vs ——EODHD
- Q1 FY20222022-04-20EPS$0.62 vs $0.61+1.6%Rev$17.7M vs ——EODHD
- Q4 FY20212022-02-09EPS$0.63 vs $0.54+16.7%Rev$18.0M vs ——EODHD
- Q3 FY20212021-10-21EPS$0.58 vs $0.50+16.0%Rev$17.8M vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 | 2026-07-22 | — | $0.92 | — | — | — | — | EODHD |
| Q1 FY2026 | 2026-04-15 | $0.68 | $0.67 | +1.5% | $29.5M | — | — | EODHD |
| Q4 FY2025 | 2026-02-04 | $0.64 | $0.74 | -13.5% | $31.4M | — | — | EODHD |
| Q3 FY2025 | 2025-10-26 | $0.71 | $0.63 | +12.7% | $28.6M | — | — | EODHD |
| Q2 FY2025 | 2025-07-23 | $0.55 | $0.59 | -6.8% | $26.4M | — | — | EODHD |
| Q1 FY2025 | 2025-04-16 | $0.57 | $0.49 | +16.3% | $25.7M | — | — | EODHD |
| Q4 FY2024 | 2025-02-13 | $0.52 | $0.49 | +6.1% | $25.8M | — | — | EODHD |
| Q3 FY2024 | 2024-10-23 | $0.44 | $0.45 | -2.2% | $26.4M | — | — | EODHD |
| Q2 FY2024 | 2024-07-24 | $0.46 | $0.42 | +9.5% | $25.2M | — | — | EODHD |
| Q1 FY2024 | 2024-04-17 | $0.42 | $0.51 | -17.6% | $24.4M | — | — | EODHD |
| Q4 FY2023 | 2024-02-15 | $0.51 | $0.69 | -26.1% | $23.8M | — | — | EODHD |
| Q3 FY2023 | 2023-10-18 | $0.58 | $0.72 | -19.4% | $23.4M | — | — | EODHD |
| Q2 FY2023 | 2023-07-19 | $0.61 | $0.66 | -7.6% | $22.7M | — | — | EODHD |
| Q1 FY2023 | 2023-04-19 | $0.70 | $0.80 | -12.5% | $21.3M | — | — | EODHD |
| Q4 FY2022 | 2023-02-09 | $0.83 | $0.86 | -3.5% | $20.4M | — | — | EODHD |
| Q3 FY2022 | 2022-10-19 | $0.77 | $0.79 | -2.5% | $19.5M | — | — | EODHD |
| Q2 FY2022 | 2022-07-20 | $0.69 | $0.58 | +19.0% | $19.0M | — | — | EODHD |
| Q1 FY2022 | 2022-04-20 | $0.62 | $0.61 | +1.6% | $17.7M | — | — | EODHD |
| Q4 FY2021 | 2022-02-09 | $0.63 | $0.54 | +16.7% | $18.0M | — | — | EODHD |
| Q3 FY2021 | 2021-10-21 | $0.58 | $0.50 | +16.0% | $17.8M | — | — | EODHD |
Source: EODHD. ISBA reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks ISBA's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 10/10 quarters but stock falls 70% of the time
SampleWhen a company consistently beats but the stock doesn't react, consensus is usually set too low or the buy-side number is materially above sell-side. Watch for guidance walk-downs ahead of the print.
Raised guidance 4 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $0.49 | $0.43 | +14.0% | -2.8% | -5.4% |
| Q4 FY2026 | $0.48 | $0.42 | +14.4% | +2.5% | +1.6% |
| Q3 FY2026 | $0.52 | $0.45 | +15.6% | -4.2% | -6.9% |
| Q2 FY2026 | $0.57 | $0.53 | +7.6% | -5.4% | -3.1% |
| Q1 FY2025 | $0.53 | $0.51 | +3.2% | -2.3% | -2.1% |
| Q4 FY2025 | $0.50 | $0.45 | +11.9% | -0.9% | -2.8% |
| Q3 FY2025 | $0.65 | $0.63 | +3.5% | -2.8% | -5.1% |
| Q2 FY2025 | $0.81 | $0.75 | +8.4% | +1.3% | +4.1% |
| Q1 FY2024 | $0.78 | $0.73 | +6.8% | -2.5% | -0.4% |
| Q4 FY2024 | $0.70 | $0.64 | +8.8% | +2.4% | +2.5% |
Guidance change history
Sample- Q1 FY2026Raised2026-04-15
- Q4 FY2026Raised2026-13-15
- Q3 FY2026Raised2026-10-15
- Q2 FY2026Raised2026-07-15
- Q1 FY2025Maintained2025-04-15
- Q4 FY2025Raised2025-13-15
- Q3 FY2025Maintained2025-10-15
- Q2 FY2025Raised2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Jerome E SchwindCEO2 yr 5 mono recorded callsCurrentSample
CEO since 2024 • 3/8 beats (38%) • guidance suspended Q1 FY2026
- Gerald J RitzertCFO6 mono recorded callsCurrentSample
CFO since 2026 • 1/2 beats (50%) • last call held guidance Q2 FY2026
- Neil Michael McDonnellPresident1 yr 6 mono recorded callsCurrentSample
PRESIDENT since 2025 • 2/4 beats (50%) • last guidance cut Q1 FY2026
- Michael Kyle HuenemannChief Lending Officer1 yrno recorded callsCurrentSample
OTHER_C_SUITE since 2025 • 2/4 beats (50%) • last call held guidance Q2 FY2026
- Jon D CatlinChief Credit Officer4 yr 8 mono recorded callsCurrentSample
OTHER_C_SUITE since 2021 • 14/20 beats (70%) • last call held guidance Q1 FY2026
- Jae A EvansCEO6 yr 5 mono recorded callsFormerSample
CEO since 2017 • 23/36 beats (64%) • guidance suspended Q2 FY2026
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for ISBA.
$ curl https://api.spokenalpha.com/v1/companies/ISBAFAQ
Frequently asked about ISBA
Where can I find ISABELLA BANK CORP's (ISBA) earnings call transcripts?
Spoken Alpha indexes ISBA's earnings call transcripts at https://spokenalpha.com/companies/ISBA. Each call links to attributed speakers and parsed analyst Q&A. ISABELLA BANK CORP's own investor relations page is at https://ir.isabellabank.com/.
What sector is ISBA in?
ISABELLA BANK CORP (ISBA) operates in the Financial Services sector (Banks - Regional industry).