ISBA Spending and interest coverage

Isabella Bank Corp (ISBA) Spending and interest coverage

R&D / revenue · 12 months: Value (m); Formula and calculation Research and development expense / revenue. Period ending 2026-06-30..
Stock-based compensation / revenue · 12 months: Value (m); Formula and calculation Share-based compensation / revenue. Period ending 2026-06-30..
Interest coverage · 12 months: Value (m); Formula and calculation Estimated: average term debt × dated USD coupon proxy + average commercial paper × matching-currency disclosed rate at or before period end. Swaps, foreign-exchange, lease interest and amortization are not quantified..

Spending and interest coverage

Financial period ending 2026-06-30; current quote (m). Amounts retain their stated periods and units.

Metric	Value	Formula and calculation
R&D / revenue · 12 months	(m)	Research and development expense / revenue. Period ending 2026-06-30. Calculation unavailable: missing inputs remain (m).
Stock-based compensation / revenue · 12 months	(m)	Share-based compensation / revenue. Period ending 2026-06-30. Calculation unavailable: missing inputs remain (m).
Interest coverage · 12 months	(m)	Estimated: average term debt × dated USD coupon proxy + average commercial paper × matching-currency disclosed rate at or before period end. Swaps, foreign-exchange, lease interest and amortization are not quantified. Calculation unavailable: missing inputs remain (m).

Calculation inputs

Input	Amount with unit	Raw financial data
Research and development spending	(m)
Revenue	(m)	Revenue from Contract with Customer, Excluding Assessed Tax
Stock-based compensation	338.00K USD	Share-based Payment Arrangement, Noncash Expense
Operating income	(m)
Interest expense · reported / estimated	(m)	Interest Expense · Estimated expense assumptions

Latest interest expense basis: (m). Estimated values carry *; expand each history row’s basis for its dated balances and rate assumptions.

Calculated history

Changes compare with the next older row (previous quarter), unless explicitly labeled otherwise. Rolling 12-month growth compares two successive quarter-end rolling totals; it is not year-over-year growth.

Period ending	Research and development spending (USD)	Revenue (USD)	Stock-based compensation (USD)	Operating income (USD)	Interest expense · reported / estimated (USD)	R&D / revenue	SBC / revenue	Interest coverage	Interest expense basis
2026-06-30	(m)	(m)	$338.00K	(m)	(m)	(m)	(m)	(m)	(m)
2026-03-31	(m)	(m)	$339.00K	(m)	(m)	(m)	(m)	(m)	(m)
2025-12-31	(m)	(m)	$341.00K	(m)	(m)	(m)	(m)	(m)	(m)
2025-09-30	(m)	(m)	$351.00K	(m)	(m)	(m)	(m)	(m)	(m)
2025-06-30	(m)	(m)	$374.00K	(m)	(m)	(m)	(m)	(m)	(m)
2025-03-31	(m)	(m)	$407.00K	(m)	(m)	(m)	(m)	(m)	(m)
2024-12-31	(m)	(m)	$476.00K	(m)	(m)	(m)	(m)	(m)	(m)
2024-09-30	(m)	(m)	(m)	(m)	$32.97M	(m)	(m)	(m)	Reported
2024-06-30	(m)	(m)	(m)	(m)	$30.30M	(m)	(m)	(m)	Reported
2024-03-31	(m)	(m)	(m)	(m)	$26.58M	(m)	(m)	(m)	Reported
2023-12-31	(m)	(m)	(m)	(m)	$21.69M	(m)	(m)	(m)	Reported
2023-09-30	(m)	(m)	(m)	(m)	$15.89M	(m)	(m)	(m)	Reported
2023-06-30	(m)	(m)	(m)	(m)	$10.92M	(m)	(m)	(m)	Reported
2023-03-31	(m)	(m)	(m)	(m)	$7.28M	(m)	(m)	(m)	Reported
2022-12-31	(m)	(m)	(m)	(m)	$5.32M	(m)	(m)	(m)	Reported
2022-09-30	(m)	(m)	(m)	(m)	$5.24M	(m)	(m)	(m)	Reported
2022-06-30	(m)	(m)	(m)	(m)	$5.85M	(m)	(m)	(m)	Reported
2022-03-31	(m)	(m)	(m)	(m)	$6.61M	(m)	(m)	(m)	Reported
2021-12-31	(m)	(m)	(m)	(m)	$7.41M	(m)	(m)	(m)	Reported
2021-09-30	(m)	(m)	(m)	(m)	$8.70M	(m)	(m)	(m)	Reported
2021-06-30	(m)	(m)	(m)	(m)	$10.08M	(m)	(m)	(m)	Reported
2021-03-31	(m)	(m)	(m)	(m)	$11.71M	(m)	(m)	(m)	Reported
2020-12-31	(m)	(m)	(m)	(m)	$13.82M	(m)	(m)	(m)	Reported
2020-09-30	(m)	(m)	$442.00K	(m)	$15.46M	(m)	(m)	(m)	Reported
2020-06-30	(m)	(m)	$485.00K	(m)	$16.81M	(m)	(m)	(m)	Reported
2020-03-31	(m)	(m)	$515.00K	(m)	$17.77M	(m)	(m)	(m)	Reported
2019-12-31	(m)	(m)	$523.00K	(m)	$17.86M	(m)	(m)	(m)	Reported
2019-09-30	(m)	$5.75M	$578.00K	(m)	$17.63M	(m)	10.06%	(m)	Reported
2019-06-30	(m)	$5.74M	$579.00K	(m)	$17.31M	(m)	10.09%	(m)	Reported
2019-03-31	(m)	$5.66M	$597.00K	(m)	$16.52M	(m)	10.54%	(m)	Reported
2018-12-31	(m)	$5.66M	$612.00K	(m)	$15.63M	(m)	10.82%	(m)	Reported
2018-09-30	(m)	(m)	$587.00K	(m)	$14.81M	(m)	(m)	(m)	Reported
2018-06-30	(m)	(m)	$642.00K	(m)	$13.78M	(m)	(m)	(m)	Reported
2018-03-31	(m)	(m)	$608.00K	(m)	$13.06M	(m)	(m)	(m)	Reported
2017-12-31	(m)	(m)	$640.00K	(m)	$12.49M	(m)	(m)	(m)	Reported
2017-09-30	(m)	(m)	$632.00K	(m)	$11.88M	(m)	(m)	(m)	Reported
2017-06-30	(m)	(m)	$602.00K	(m)	$11.43M	(m)	(m)	(m)	Reported
2017-03-31	(m)	(m)	$593.00K	(m)	$11.08M	(m)	(m)	(m)	Reported
2016-12-31	(m)	(m)	$573.00K	(m)	$10.87M	(m)	(m)	(m)	Reported
2016-09-30	(m)	(m)	$568.00K	(m)	$10.62M	(m)	(m)	(m)	Reported
2016-06-30	(m)	(m)	$564.00K	(m)	$10.45M	(m)	(m)	(m)	Reported
2016-03-31	(m)	(m)	$562.00K	(m)	$10.29M	(m)	(m)	(m)	Reported
2015-12-31	(m)	(m)	$550.00K	(m)	$10.16M	(m)	(m)	(m)	Reported
2015-09-30	(m)	(m)	$538.00K	(m)	$10.09M	(m)	(m)	(m)	Reported
2015-06-30	(m)	(m)	$517.00K	(m)	$10.01M	(m)	(m)	(m)	Reported
2015-03-31	(m)	(m)	$504.00K	(m)	$9.96M	(m)	(m)	(m)	Reported
2014-12-31	(m)	(m)	$495.00K	(m)	$9.97M	(m)	(m)	(m)	Reported
2014-09-30	(m)	(m)	$513.00K	(m)	$10.15M	(m)	(m)	(m)	Reported
2014-06-30	(m)	(m)	$533.00K	(m)	$10.39M	(m)	(m)	(m)	Reported
2014-03-31	(m)	(m)	$545.00K	(m)	$10.70M	(m)	(m)	(m)	Reported
2013-12-31	(m)	(m)	$554.00K	(m)	$11.02M	(m)	(m)	(m)	Reported
2013-09-30	(m)	(m)	$570.00K	(m)	$11.39M	(m)	(m)	(m)	Reported
2013-06-30	(m)	(m)	$606.00K	(m)	$11.89M	(m)	(m)	(m)	Reported
2013-03-31	(m)	(m)	$620.00K	(m)	$12.54M	(m)	(m)	(m)	Reported
2012-12-31	(m)	(m)	$643.00K	(m)	$13.42M	(m)	(m)	(m)	Reported
2012-09-30	(m)	(m)	$625.00K	(m)	$14.35M	(m)	(m)	(m)	Reported
2012-06-30	(m)	(m)	$603.00K	(m)	$15.18M	(m)	(m)	(m)	Reported
2012-03-31	(m)	(m)	$604.00K	(m)	$15.85M	(m)	(m)	(m)	Reported
2011-12-31	(m)	(m)	$615.00K	(m)	$16.20M	(m)	(m)	(m)	Reported
2011-09-30	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)
2011-06-30	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)
2011-03-31	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)
2010-12-31	(m)	(m)	$650.00K	(m)	$17.20M	(m)	(m)	(m)	Reported
2010-09-30	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)
2010-06-30	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)	(m)
2009-12-31	(m)	(m)	$677.00K	(m)	$19.84M	(m)	(m)	(m)	Reported

(m) means missing inputs. Historical market-based ratios use the saved close on or immediately before period ending and that period’s reported shares; current quotes are not substituted. Five-year projections repeat historical CAGR, not analyst forecasts.

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