Isabella Bank Corporation (ISBA) vs First Western Financial, Inc. (MYFW)

Isabella Bank Corporation and First Western Financial, Inc. are both Banks Regional companies. Isabella Bank Corporation and First Western Financial, Inc. are of similar size ($298.6M and $285.3M). Isabella Bank Corporation trades at the lower P/E: 14.1× against 16.1×. Isabella Bank Corporation grew revenue faster over the last twelve months: 11.1% against 8.99%. Isabella Bank Corporation has the higher net margin (16.8% vs 9.50%) and the lower return on invested capital (6.67% vs 7.99%). Across the 19 metrics below, Isabella Bank Corporation leads on 10 and First Western Financial, Inc. on 9.

Valuation

Metric ISBA MYFW Banks Regional median
P/E 14.14 16.07 12.15
P/S 2.37 1.54 2.37
P/B 1.13 1.06 1.21
Price to free cash flow 12.09 11.53 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.27 1.05 2.27
Earnings yield 7.07% 6.22% 8.11%
Free cash flow yield 8.27% 8.67% 8.98%

Profitability

Metric ISBA MYFW Banks Regional median
Gross margin 71.72% 56.00% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.78% 9.50% 18.66%
Free cash flow margin 19.59% 13.32% 21.18%
Return on equity 8.51% 6.84% 10.64%
Return on assets 0.91% 0.59% 1.13%
Return on invested capital 6.67% 7.99% 8.33%

Growth

Metric ISBA MYFW Banks Regional median
Revenue growth (TTM) 11.11% 8.99% 6.61%
EPS growth (last fiscal year) 37.63% 55.17% —
Revenue growth, 5-year CAGR 7.34% 12.26% 12.30%
Net income growth, 5-year CAGR 11.68% (11.68%) 9.71%

Health

Metric ISBA MYFW Banks Regional median
Debt to equity 0.12 0.29 0.22
Current ratio 0.84 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ISBA MYFW Banks Regional median
Dividend yield — — 3.75%
Payout ratio — 0.00 0.27

Size

Metric ISBA MYFW Banks Regional median
Market cap 285.32m 298.62m 921.07m

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