COMP <GO>
ISBA vs NEWT // REVENUE GROWTH (YOY)
Isabella Bank Corporation (NASDAQ) VS. NewtekOne Inc. (NASDAQ) • 15-METRIC TALLY: ISBA 2
— NEWT 4
■ METRIC PARITY
LAST: $40.82 (+2.98%) • MKT CAP: $312.3M
revenue-growth
—
LAST: $11.00 (+2.23%) • MKT CAP: $317.7M
revenue-growth
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ISBA VS. NEWT)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ISBA | NEWT | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.20% | 15.20% | -7.00 | NEWT | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.71% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) ACTIVE | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.67% | 8.82% | -6.15 | NEWT | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 2/9 | +3.00 | ISBA | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 68.7 | 45.2 | +23.50 | ISBA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 14.9x | 4.9x | +10.00 | NEWT | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $312.3M | $317.7M | -$5.4M | NEWT | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ISBA REV | NEWT REV | ISBA GROSS % | NEWT GROSS % | ISBA FCF | NEWT FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $928.0M | $1.15B | — | — | $23.3M | -$579.3M |
| FY 2024 | $876.2M | $865.2M | — | — | $17.5M | -$153.5M |
| FY 2023 | $91.9M | $643.0M | — | — | $24.2M | -$169.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ISBA // BETA —
NEWT // BETA —