Isabella Bank Corporation (ISBA) vs Virginia National Bankshares Corporation (VABK)

Isabella Bank Corporation and Virginia National Bankshares Corporation are both Banks Regional companies. Isabella Bank Corporation and Virginia National Bankshares Corporation are of similar size ($280.1M and $279.1M). Virginia National Bankshares Corporation trades at the lower P/E: 11.1× against 13.5×. Isabella Bank Corporation grew revenue faster over the last twelve months: 11.1% against 5.24%. Virginia National Bankshares Corporation has the higher net margin (28.2% vs 16.8%) and the higher return on invested capital (14.1% vs 6.67%). Both pay a dividend; Isabella Bank Corporation yields more (3.06% vs 2.83%). Across the 19 metrics below, Virginia National Bankshares Corporation leads on 12 and Isabella Bank Corporation on 7.

Valuation

Metric ISBA VABK Banks Regional median
P/E 13.46 11.10 11.98
P/S 2.25 3.13 2.34
P/B 1.08 1.42 1.19
Price to free cash flow 11.51 11.98 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.43% 9.01% 8.23%
Free cash flow yield 8.69% 8.35% 9.08%

Profitability

Metric ISBA VABK Banks Regional median
Gross margin 71.72% 72.27% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.78% 28.18% 18.66%
Free cash flow margin 19.59% 26.16% 21.11%
Return on equity 8.51% 13.57% 10.65%
Return on assets 0.91% 1.52% 1.13%
Return on invested capital 6.67% 14.14% 8.35%

Growth

Metric ISBA VABK Banks Regional median
Revenue growth (TTM) 11.11% 5.24% 6.98%
EPS growth (last fiscal year) 37.63% 12.70% 18.88%
Revenue growth, 5-year CAGR 7.34% 19.78% 12.38%
Net income growth, 5-year CAGR 11.68% 19.28% 9.71%

Health

Metric ISBA VABK Banks Regional median
Debt to equity 0.12 0.10 0.22
Current ratio 0.84 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ISBA VABK Banks Regional median
Dividend yield 3.06% 2.83% 2.57%
Payout ratio 0.41 0.32 0.30

Size

Metric ISBA VABK Banks Regional median
Market cap 280.06m 279.11m 913.33m

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