Bay Commercial Bank (BCML) vs Isabella Bank Corporation (ISBA)

Bay Commercial Bank and Isabella Bank Corporation are both Banks Regional companies. Bay Commercial Bank and Isabella Bank Corporation are of similar size ($345.0M and $336.8M). Isabella Bank Corporation trades at the lower P/E: 13.9× against 25.7×. Isabella Bank Corporation grew revenue faster over the last twelve months: 11.4% against 2.01%. Isabella Bank Corporation has the higher net margin (17.5% vs 9.20%) and the higher return on invested capital (12.5% vs 6.59%). Both pay a dividend; Bay Commercial Bank yields more (3.89% vs 2.80%). Across the 19 metrics below, Isabella Bank Corporation leads on 12 and Bay Commercial Bank on 7.

Valuation

Metric BCML ISBA Banks Regional median
P/E 25.69 13.92 12.02
P/S 2.36 2.51 2.36
P/B 1.00 1.24 1.23
Price to free cash flow 12.67 11.21 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.89% 7.19% 8.21%
Free cash flow yield 7.89% 8.92% 9.23%

Profitability

Metric BCML ISBA Banks Regional median
Gross margin 72.76% 72.87% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.20% 17.50% 18.82%
Free cash flow margin 18.66% 22.35% 17.97%
Return on equity 3.93% 9.02% 10.28%
Return on assets 0.50% 0.95% 1.13%
Return on invested capital 6.59% 12.45% 8.45%

Growth

Metric BCML ISBA Banks Regional median
Revenue growth (TTM) 2.01% 11.39% 6.37%
EPS growth (last fiscal year) 3.81% 37.63% 18.85%
Revenue growth, 5-year CAGR 8.07% 7.34% 12.65%
Net income growth, 5-year CAGR 11.76% 11.68% 9.81%

Health

Metric BCML ISBA Banks Regional median
Debt to equity 0.09 0.12 0.17
Current ratio 1.04 0.85 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCML ISBA Banks Regional median
Dividend yield 3.89% 2.80% 2.49%
Payout ratio 1.00 0.39 0.29

Size

Metric BCML ISBA Banks Regional median
Market cap 336.78m 344.95m 934.85m

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