COMP <GO>
FVCB vs ISBA // DIVIDEND YIELD & FCF PAYOUT SAFETY
FVCBankcorp Inc. (NASDAQ) VS. Isabella Bank Corporation (NASDAQ) • 15-METRIC TALLY: FVCB 5
— ISBA 2
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: ISBA
LAST: $17.04 (-0.41%) • MKT CAP: $307.3M
dividend-safety
0.71%
LAST: $39.69 (+0.84%) • MKT CAP: $302.8M
dividend-safety
2.67%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FVCB VS. ISBA)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FVCB | ISBA | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.70% | 8.20% | +0.50 | FVCB | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.75% | 7.71% | +0.04 | FVCB | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 13.90% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 0.71% | 2.67% | -1.96 | ISBA | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 5/9 | +1.00 | FVCB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 37.3 | 61.7 | -24.37 | ISBA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.7x | 14.9x | -3.20 | FVCB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $307.3M | $302.8M | $4.5M | FVCB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FVCB REV | ISBA REV | FVCB GROSS % | ISBA GROSS % | FVCB FCF | ISBA FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.8M | $0 | — | — | $23.8M | $23.3M |
| FY 2024 | $1.6M | $0 | — | — | $18.1M | $17.5M |
| FY 2023 | $1.5M | $0 | — | — | $16.3M | $24.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FVCB // BETA —
ISBA // BETA —