ISBA vs JMSB: stock comparison and AI forecast
Isabella Bank Corp (ISBA) and John Marshall Bancorp, Inc. (JMSB) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
ISBA Isabella Bank Corp
- Market Cap
- $311M
- P/E Ratio
- 14.9x
- Size
- small-cap
- AI Forecast
JMSB John Marshall Bancorp, Inc.
- Price
- $23.55 +10.0% · 6M
- Market Cap
- $323M
- P/E Ratio
- 14.1x
- 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.
Key facts
- ISBA and JMSB have similar market capitalizations ($311M and $323M).
- JMSB trades at 14.1 times trailing earnings, ISBA at 14.9 times.
- JMSB turns 36.5% of its revenue into net income, against 24.6% for ISBA.
- ISBA carries 8.12 times debt per unit of equity, against 7.77 times for JMSB.
- JMSB yields 3.43% 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 | ISBA | JMSB |
|---|---|---|
| Market Cap | $311M | $323M |
| P/E Ratio | 14.94x | 14.05x |
| P/B Ratio | 1.27x | 1.18x |
| Dividend Yield | 2.62% | 3.43% |
| EPS | $2.72 | $1.63 |
| Book Value/Share | $32.10 | $19.40 |
| Revenue/Share | $11.35 | $4.74 |
| FCF/Share | $3.40 | $1.53 |
Profitability & Margins
| Metric | ISBA | JMSB |
|---|---|---|
| ROE | 8.7% | 8.9% |
| ROA | 0.9% | 1.0% |
| Net Margin | 24.6% | 36.5% |
| EBT Margin | 31.3% | 47.1% |
| Tax Rate | 30.8% | 22.4% |
Financial Health
| Metric | ISBA | JMSB |
|---|---|---|
| D/E Ratio | 8.12x | 7.77x |
| Financial Leverage | 9.12x | 8.77x |
Cash Flow
| Metric | ISBA | JMSB |
|---|---|---|
| Operating Cash Flow | $28M | $22M |
| Free Cash Flow | $26M | $22M |
| Capital Spending | -$2M | -$60K |
| OCF Growth YoY | 26.8% | 1.1% |
| FCF Growth YoY | 35.0% | 5.0% |
| FCF/Sales | 30.0% | 32.3% |
| CapEx/Sales | 2.7% | 0.1% |
Operational Efficiency
| Metric | ISBA | JMSB |
|---|---|---|
| Asset Turnover | 0.04x | 0.03x |
| Fixed Assets Turnover | 3.0x | 61.8x |
Income Statement
| Metric | ISBA | JMSB |
|---|---|---|
| Total Revenue | $87M | $67M |
| Net Income | $21M | $24M |
Dividend & Shareholder Information
| Metric | ISBA | JMSB |
|---|---|---|
| Dividends Per Share | $1.07 | $0.79 |
| Payout Ratio | 39.3% | 48.5% |
| Shares Outstanding | 8M | 14M |
| Net Income Growth | 17.1% | 29.1% |
| EPS Growth | -3.2% | 26.4% |
ISBA vs JMSB: stock comparison and AI forecast
Which is bigger, ISBA or JMSB?
ISBA and JMSB have similar market capitalizations ($311M and $323M).
Which is cheaper on earnings, ISBA or JMSB?
JMSB trades at 14.1 times trailing earnings, ISBA at 14.9 times.
Which one does Intratio's AI model rank higher, ISBA or JMSB?
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.