CCFN vs ISBA: stock comparison and AI forecast
Muncy Columbia Financial Corp (CCFN) and Isabella Bank Corp (ISBA) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CCFN Muncy Columbia Financial Corp
- Price
- $29.49 +21.7% · 6M
- Market Cap
- $313M
- P/E Ratio
- 14.8x
- Size
- small-cap
- AI Forecast
ISBA Isabella Bank Corp
- Price
- $40.82 +1.0% · 6M
- Market Cap
- $311M
- P/E Ratio
- 15.0x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- CCFN and ISBA have similar market capitalizations ($313M and $311M).
- CCFN trades at 14.8 times trailing earnings, ISBA at 15.0 times.
- Over the last six months CCFN returned +21.7% and ISBA +1.0%.
- CCFN turns 37.9% of its revenue into net income, against 24.6% for ISBA.
- ISBA carries 8.12 times debt per unit of equity, against 7.42 times for CCFN.
- CCFN yields 3.19% in dividends and ISBA 2.62%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CCFN | ISBA |
|---|---|---|
| Market Cap | $313M | $311M |
| P/E Ratio | 14.75x | 15.01x |
| P/B Ratio | 1.58x | 1.27x |
| Dividend Yield | 3.19% | 2.62% |
| EPS | $2.00 | $2.72 |
| Book Value/Share | $18.72 | $32.19 |
| Revenue/Share | $7.06 | $11.38 |
| FCF/Share | $3.24 | $3.41 |
Profitability & Margins
| Metric | CCFN | ISBA |
|---|---|---|
| ROE | 14.3% | 8.7% |
| ROA | 1.7% | 0.9% |
| Net Margin | 37.9% | 24.6% |
| EBT Margin | 45.7% | 31.3% |
| Tax Rate | 17.0% | 30.8% |
Financial Health
| Metric | CCFN | ISBA |
|---|---|---|
| D/E Ratio | 7.42x | 8.12x |
| Financial Leverage | 8.42x | 9.12x |
Cash Flow
| Metric | CCFN | ISBA |
|---|---|---|
| Operating Cash Flow | $36M | $28M |
| Free Cash Flow | $34M | $26M |
| Capital Spending | -$1M | -$2M |
| OCF Growth YoY | 93.1% | 26.8% |
| FCF Growth YoY | 100.6% | 35.0% |
| FCF/Sales | 45.9% | 30.0% |
| CapEx/Sales | 1.6% | 2.7% |
Operational Efficiency
| Metric | CCFN | ISBA |
|---|---|---|
| Asset Turnover | 0.04x | 0.04x |
| Fixed Assets Turnover | 2.8x | 3.0x |
Income Statement
| Metric | CCFN | ISBA |
|---|---|---|
| Total Revenue | $75M | $87M |
| Net Income | $28M | $21M |
Dividend & Shareholder Information
| Metric | CCFN | ISBA |
|---|---|---|
| Dividends Per Share | $0.94 | $1.07 |
| Payout Ratio | 47.0% | 39.3% |
| Shares Outstanding | 11M | 8M |
| Net Income Growth | 39.4% | 17.1% |
| EPS Growth | 4.5% | -3.2% |
CCFN vs ISBA: stock comparison and AI forecast
Which is bigger, CCFN or ISBA?
CCFN and ISBA have similar market capitalizations ($313M and $311M).
Which is cheaper on earnings, CCFN or ISBA?
CCFN trades at 14.8 times trailing earnings, ISBA at 15.0 times.
Which stock performed better over the last six months, CCFN or ISBA?
Over the last six months CCFN returned +21.7% and ISBA +1.0%.
Which one does Intratio's AI model rank higher, CCFN or ISBA?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.