COMP <GO>
FUNC vs ISBA // DIVIDEND YIELD & FCF PAYOUT SAFETY
First United Corporation (NASDAQ) VS. Isabella Bank Corporation (NASDAQ) • 15-METRIC TALLY: FUNC 2
— ISBA 5
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: ISBA
LAST: $45.84 (-0.39%) • MKT CAP: $297.0M
dividend-safety
2.01%
LAST: $39.64 (-0.13%) • MKT CAP: $302.8M
dividend-safety
2.67%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FUNC VS. ISBA)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FUNC | ISBA | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 12.00% | 8.20% | +3.80 | FUNC | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 5.19% | 7.71% | -2.52 | ISBA | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 4.00% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 2.01% | 2.67% | -0.66 | ISBA | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | ISBA | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 59.9 | 62.0 | -2.10 | ISBA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.3x | 14.9x | -3.60 | FUNC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $297.0M | $302.8M | -$5.8M | ISBA | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FUNC REV | ISBA REV | FUNC GROSS % | ISBA GROSS % | FUNC FCF | ISBA FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $18.4M | $0 | — | — | $15.4M | $23.3M |
| FY 2024 | $17.7M | $0 | — | — | $20.4M | $17.5M |
| FY 2023 | $16.7M | $0 | — | — | $22.5M | $24.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FUNC // BETA —
ISBA // BETA —