COMP <GO>
ISBA vs MYFW // FREE CASH FLOW YIELD
Isabella Bank Corporation (NASDAQ) VS. First Western Financial Inc. (NASDAQ) • 15-METRIC TALLY: ISBA 6
— MYFW 1
▲ FREE CASH FLOW YIELD LEADER: ISBA
LAST: $39.69 (+0.84%) • MKT CAP: $302.8M
fcf-yield
7.71%
LAST: $31.46 (-0.22%) • MKT CAP: $307.2M
fcf-yield
-1.88%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ISBA VS. MYFW)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ISBA | MYFW | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.20% | 5.00% | +3.20 | ISBA | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 7.71% | -1.88% | +9.59 | ISBA | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 13.60% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 7.60% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.67% | 0.00% | +2.67 | ISBA | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 3/9 | +2.00 | ISBA | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 61.7 | 57.2 | +4.50 | ISBA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 14.9x | 21.7x | -6.80 | ISBA | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $302.8M | $307.2M | -$4.4M | MYFW | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ISBA REV | MYFW REV | ISBA GROSS % | MYFW GROSS % | ISBA FCF | MYFW FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $96.9M | — | — | $23.3M | -$5.8M |
| FY 2024 | $0 | $90.1M | — | — | $17.5M | -$607.0K |
| FY 2023 | $0 | $82.7M | — | — | $24.2M | $21.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ISBA // BETA —
MYFW // BETA —