Isabella Bank Corporation (ISBA) vs USCB Financial Holdings, Inc. (USCB)

Isabella Bank Corporation and USCB Financial Holdings, Inc. are both Banks Regional companies. Isabella Bank Corporation and USCB Financial Holdings, Inc. are of similar size ($366.3M and $345.0M). USCB Financial Holdings, Inc. trades at the lower P/E: 12.9× against 13.9×. Isabella Bank Corporation grew revenue faster over the last twelve months: 11.4% against 4.72%. USCB Financial Holdings, Inc. has the higher net margin (18.1% vs 17.5%) and the lower return on invested capital (6.24% vs 12.5%). Both pay a dividend; Isabella Bank Corporation yields more (2.80% vs 2.39%). Across the 19 metrics below, USCB Financial Holdings, Inc. leads on 12 and Isabella Bank Corporation on 7.

Valuation

Metric ISBA USCB Banks Regional median
P/E 13.92 12.92 12.02
P/S 2.51 2.29 2.36
P/B 1.24 1.56 1.23
Price to free cash flow 11.21 7.43 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.19% 7.74% 8.21%
Free cash flow yield 8.92% 13.45% 9.23%

Profitability

Metric ISBA USCB Banks Regional median
Gross margin 72.87% 61.02% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.50% 18.05% 18.82%
Free cash flow margin 22.35% 30.84% 17.97%
Return on equity 9.02% 12.36% 10.28%
Return on assets 0.95% 1.00% 1.13%
Return on invested capital 12.45% 6.24% 8.45%

Growth

Metric ISBA USCB Banks Regional median
Revenue growth (TTM) 11.39% 4.72% 6.37%
EPS growth (last fiscal year) 37.63% 7.26% 18.85%
Revenue growth, 5-year CAGR 7.34% 20.96% 12.65%
Net income growth, 5-year CAGR 11.68% 27.68% 9.81%

Health

Metric ISBA USCB Banks Regional median
Debt to equity 0.12 1.20 0.17
Current ratio 0.85 0.97 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ISBA USCB Banks Regional median
Dividend yield 2.80% 2.39% 2.49%
Payout ratio 0.39 0.31 0.29

Size

Metric ISBA USCB Banks Regional median
Market cap 344.95m 366.34m 934.85m

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