Isabella Bank Corporation (ISBA) vs Western New England Bancorp (WNEB)

Isabella Bank Corporation and Western New England Bancorp are both Banks Regional companies. Isabella Bank Corporation and Western New England Bancorp are of similar size ($285.3M and $278.0M). Isabella Bank Corporation trades at the lower P/E: 14.1× against 16.6×. Isabella Bank Corporation grew revenue faster over the last twelve months: 11.1% against 6.11%. Isabella Bank Corporation has the higher net margin (16.8% vs 12.4%) and the higher return on invested capital (6.67% vs 5.33%). Across the 19 metrics below, Isabella Bank Corporation leads on 15 and Western New England Bancorp on 4.

Valuation

Metric ISBA WNEB Banks Regional median
P/E 14.14 16.63 12.15
P/S 2.37 2.05 2.37
P/B 1.13 1.11 1.21
Price to free cash flow 12.09 16.02 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.27 2.10 2.27
Earnings yield 7.07% 6.01% 8.11%
Free cash flow yield 8.27% 6.24% 8.98%

Profitability

Metric ISBA WNEB Banks Regional median
Gross margin 71.72% 65.46% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.78% 12.43% 18.66%
Free cash flow margin 19.59% 12.80% 21.18%
Return on equity 8.51% 6.87% 10.64%
Return on assets 0.91% 0.62% 1.13%
Return on invested capital 6.67% 5.33% 8.33%

Growth

Metric ISBA WNEB Banks Regional median
Revenue growth (TTM) 11.11% 6.11% 6.61%
EPS growth (last fiscal year) 37.63% 33.93% —
Revenue growth, 5-year CAGR 7.34% 7.32% 12.30%
Net income growth, 5-year CAGR 11.68% 6.37% 9.71%

Health

Metric ISBA WNEB Banks Regional median
Debt to equity 0.12 0.18 0.22
Current ratio 0.84 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ISBA WNEB Banks Regional median
Dividend yield — 3.51% 3.75%
Payout ratio — 0.25 0.27

Size

Metric ISBA WNEB Banks Regional median
Market cap 285.32m 278.04m 921.07m

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