GBank Financial Holdings Inc. (GBFH) vs Isabella Bank Corporation (ISBA)

GBank Financial Holdings Inc. and Isabella Bank Corporation are both Banks Regional companies. GBank Financial Holdings Inc. and Isabella Bank Corporation are of similar size ($285.3M and $274.2M). Isabella Bank Corporation trades at the lower P/E: 14.1× against 14.8×. GBank Financial Holdings Inc. grew revenue faster over the last twelve months: 20.0% against 11.1%. Isabella Bank Corporation has the higher net margin (16.8% vs 15.4%) and the lower return on invested capital (6.67% vs 23.9%). Across the 17 metrics below, GBank Financial Holdings Inc. leads on 10 and Isabella Bank Corporation on 7.

Valuation

Metric GBFH ISBA Banks Regional median
P/E 14.82 14.14 12.15
P/S 2.31 2.37 2.37
P/B 1.60 1.13 1.21
Price to free cash flow 8.91 12.09 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.38 2.27 2.27
Earnings yield 6.75% 7.07% 8.11%
Free cash flow yield 11.22% 8.27% 8.98%

Profitability

Metric GBFH ISBA Banks Regional median
Gross margin 68.90% 71.72% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.44% 16.78% 18.66%
Free cash flow margin 25.93% 19.59% 21.18%
Return on equity 11.39% 8.51% 10.64%
Return on assets 1.39% 0.91% 1.13%
Return on invested capital 23.93% 6.67% 8.33%

Growth

Metric GBFH ISBA Banks Regional median
Revenue growth (TTM) 19.95% 11.11% 6.61%
EPS growth (last fiscal year) 5.11% 37.63% —
Revenue growth, 5-year CAGR — 7.34% 12.30%
Net income growth, 5-year CAGR — 11.68% 9.71%

Health

Metric GBFH ISBA Banks Regional median
Debt to equity 0.18 0.12 0.22
Current ratio 1.02 0.84 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GBFH ISBA Banks Regional median
Dividend yield — — 3.75%
Payout ratio — — 0.27

Size

Metric GBFH ISBA Banks Regional median
Market cap 274.22m 285.32m 921.07m

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