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