Isabella Bank Corporation (ISBA) vs Mvb Financial Corp. (MVBF)

Isabella Bank Corporation and Mvb Financial Corp. are both Banks Regional companies. Isabella Bank Corporation and Mvb Financial Corp. are of similar size ($345.0M and $332.5M). Isabella Bank Corporation trades at the lower P/E: 13.9× against 14.8×. Isabella Bank Corporation grew revenue faster over the last twelve months: 11.4% against −4.19%. Isabella Bank Corporation has the higher net margin (17.5% vs 9.46%) and the lower return on invested capital (12.5% vs 15.0%). Both pay a dividend; Isabella Bank Corporation yields more (2.80% vs 2.66%). Across the 18 metrics below, Isabella Bank Corporation leads on 13 and Mvb Financial Corp. on 5.

Valuation

Metric ISBA MVBF Banks Regional median
P/E 13.92 14.84 12.02
P/S 2.51 1.42 2.36
P/B 1.24 1.00 1.23
Price to free cash flow 11.21 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.19% 6.74% 8.21%
Free cash flow yield 8.92% (10.68%) 9.23%

Profitability

Metric ISBA MVBF Banks Regional median
Gross margin 72.87% 71.61% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.50% 9.46% 18.82%
Free cash flow margin 22.35% (14.69%) 17.97%
Return on equity 9.02% 6.72% 10.28%
Return on assets 0.95% 0.66% 1.13%
Return on invested capital 12.45% 15.02% 8.45%

Growth

Metric ISBA MVBF Banks Regional median
Revenue growth (TTM) 11.39% (4.19%) 6.37%
EPS growth (last fiscal year) 37.63% 34.64% 18.85%
Revenue growth, 5-year CAGR 7.34% 6.46% 12.65%
Net income growth, 5-year CAGR 11.68% (6.12%) 9.81%

Health

Metric ISBA MVBF Banks Regional median
Debt to equity 0.12 0.00 0.17
Current ratio 0.85 0.92 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ISBA MVBF Banks Regional median
Dividend yield 2.80% 2.66% 2.49%
Payout ratio 0.39 0.41 0.29

Size

Metric ISBA MVBF Banks Regional median
Market cap 344.95m 332.49m 934.85m

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