Isabella Bank vs SB Financial
ISBA and SBFG side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ISBA and SBFG compare
Isabella Bank is the larger company, worth 1.5 times as much as SB Financial ($302M against $195M).
On earnings, SB Financial is cheaper: it trades at 11.7× trailing earnings, against 13.8× for Isabella Bank.
Isabella Bank grew revenue faster over the last twelve months (17.1% versus 9.7% for SB Financial).
SB Financial keeps more of each dollar of sales as profit, with a net margin of 24.5% compared with 24.0% at Isabella Bank.
Both pay dividends: Isabella Bank yields 2.8% and SB Financial 2.0%.
SB Financial scores higher on the StockData Score (13 against 11 for Isabella Bank), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | ISBA | SBFG |
|---|---|---|
| Size and price | ||
| Market cap | $302M | $195M |
| Share price | $39.64 | $31.22 |
| Change, 1 year | 12.9% | 61.4% |
| Change, 5 years | 45.9% | 65.2% |
| Beta (5Y) | 0.12 | 0.32 |
| Employees | 362 | 246 |
| StockData Score | ||
| Total score | 11 | 13 (better) |
| Valuation score | 2 | 2 |
| Growth score | 2 | 2 |
| Performance score | 1 | 3 (better) |
| Health score | 2 | 3 (better) |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 13.8× | 11.7× (better) |
| P/S | 3.4× | 2.9× (better) |
| P/B | 1.2× (better) | 1.3× |
| P/FCF | 11.1× | 8.5× (better) |
| PEG | – | 1.59 |
| FCF yield | 9.0% | 11.8% (better) |
| Fair value | $34.09 | $27.25 |
| Margin of safety | −16.3% | −14.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 17.1% (better) | 9.7% |
| Revenue growth, 5Y average | 3.9% (better) | −0.29% |
| Net income growth (TTM) | 17.1% | 39.7% (better) |
| EPS growth (TTM) | 16.7% | 45.9% (better) |
| EPS growth, 5Y average | 13.8% (better) | 2.2% |
| Profitability | ||
| Net margin | 24.0% | 24.5% (better) |
| FCF margin | 30.6% | 33.7% (better) |
| Return on equity | 9.0% | 12.0% (better) |
| Financial health | ||
| Debt / equity | – | 0.05 |
| Altman Z-score | 0.21 | 0.24 (better) |
| Piotroski F-score | 7 | 7 |
| Dividends and buybacks | ||
| Dividend yield | 2.8% (better) | 2.0% |
| Payout ratio | 38.3% | 23.3% |
| Years of dividend growth | 0 | 3 (better) |
| Dividend growth, 5Y average | 0.73% | 8.4% (better) |
| Buyback yield | −3.8% | 2.0% (better) |
| Shareholder yield | −1.0% | 4.0% (better) |
| Ownership | ||
| Held by institutions | 20.4% | 51.3% |
| Held by insiders | 2.9% | 6.1% |
| Insider net buying, 12 months | $127K (better) | −$143K |
| Short interest, % of float | 4.2% | 0.34% |
Go deeper
- ISBA stock overview
- ISBA income statement
- ISBA valuation and score
- SBFG stock overview
- SBFG income statement
- SBFG valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.