FVCB vs ISBA: stock comparison and AI forecast
Fvcbankcorp, Inc. (FVCB) and Isabella Bank Corp (ISBA) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
FVCB Fvcbankcorp, Inc.
- Price
- $16.81 +7.2% · 6M
- Market Cap
- $303M
- P/E Ratio
- 12.5x
- 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
- FVCB and ISBA have similar market capitalizations ($303M and $311M).
- FVCB trades at 12.4 times trailing earnings, ISBA at 15.0 times.
- Over the last six months FVCB returned +7.2% and ISBA +1.0%.
- ISBA turns 24.6% of its revenue into net income, against -50.3% for FVCB.
- ISBA carries 8.12 times debt per unit of equity, against 7.88 times for FVCB.
- ISBA yields 2.62% in dividends and FVCB 1.49%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | FVCB | ISBA |
|---|---|---|
| Market Cap | $303M | $311M |
| P/E Ratio | 12.45x | 15.01x |
| P/B Ratio | 1.14x | 1.27x |
| Dividend Yield | 1.49% | 2.62% |
| EPS | $1.35 | $2.72 |
| Book Value/Share | $14.78 | $32.19 |
| Revenue/Share | $-1.31 | $11.38 |
| FCF/Share | $1.76 | $3.41 |
Profitability & Margins
| Metric | FVCB | ISBA |
|---|---|---|
| ROE | 9.7% | 8.7% |
| ROA | 1.1% | 0.9% |
| Net Margin | -50.3% | 24.6% |
| EBT Margin | -64.7% | 31.3% |
| Tax Rate | 22.5% | 30.8% |
Financial Health
| Metric | FVCB | ISBA |
|---|---|---|
| D/E Ratio | 7.88x | 8.12x |
| Financial Leverage | 8.88x | 9.12x |
Cash Flow
| Metric | FVCB | ISBA |
|---|---|---|
| Operating Cash Flow | $32M | $28M |
| Free Cash Flow | $32M | $26M |
| Capital Spending | -$40K | -$2M |
| OCF Growth YoY | 73.9% | 26.8% |
| FCF Growth YoY | 50.3% | 35.0% |
| FCF/Sales | -134.0% | 30.0% |
| CapEx/Sales | -0.2% | 2.7% |
Operational Efficiency
| Metric | FVCB | ISBA |
|---|---|---|
| Asset Turnover | – | 0.04x |
| Fixed Assets Turnover | -37.2x | 3.0x |
Income Statement
| Metric | FVCB | ISBA |
|---|---|---|
| Total Revenue | -$24M | $87M |
| Net Income | $26M | $21M |
Dividend & Shareholder Information
| Metric | FVCB | ISBA |
|---|---|---|
| Dividends Per Share | $0.25 | $1.07 |
| Payout Ratio | 18.5% | 39.3% |
| Shares Outstanding | 18M | 8M |
| Net Income Growth | 21.5% | 17.1% |
| EPS Growth | 50.0% | -3.2% |
FVCB vs ISBA: stock comparison and AI forecast
Which is bigger, FVCB or ISBA?
FVCB and ISBA have similar market capitalizations ($303M and $311M).
Which is cheaper on earnings, FVCB or ISBA?
FVCB trades at 12.4 times trailing earnings, ISBA at 15.0 times.
Which stock performed better over the last six months, FVCB or ISBA?
Over the last six months FVCB returned +7.2% and ISBA +1.0%.
Which one does Intratio's AI model rank higher, FVCB 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.