COMP <GO>
ISBA vs ATLO // EV/EBITDA & P/E VALUATION
Isabella Bank Corporation (NASDAQ) VS. Ames National Corporation (NASDAQ) • 15-METRIC TALLY: ISBA 4
— ATLO 2
■ METRIC PARITY
LAST: $39.69 (+0.84%) • MKT CAP: $302.8M
valuation
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LAST: $33.86 (+0.24%) • MKT CAP: $299.9M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ISBA VS. ATLO)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ISBA | ATLO | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.20% | 9.20% | -1.00 | ATLO | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.71% | 6.90% | +0.81 | ISBA | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.67% | 2.37% | +0.30 | ISBA | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 61.7 | 60.3 | +1.38 | ISBA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 14.9x | 14.7x | +0.20 | ATLO | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $302.8M | $299.9M | $2.9M | ISBA | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ISBA REV | ATLO REV | ISBA GROSS % | ATLO GROSS % | ISBA FCF | ATLO FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $23.3M | $20.7M |
| FY 2024 | $0 | $0 | — | — | $17.5M | $14.0M |
| FY 2023 | $0 | $0 | — | — | $24.2M | $19.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ISBA // BETA —
ATLO // BETA —