` Comparison: ISBA, MTB - Alpha Spread

ISBA
vs
MTB

Over the past 12 months, ISBA has significantly outperformed MTB, delivering a return of +77% compared to the MTB's +2% growth.

Valuation Growth Profitability Solvency Stocks Performance
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ISBA
MTB
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Stocks Compared:
ISBA MTB
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Valuation Comparison

ISBA Intrinsic Value
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MTB Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Isabella Bank Corp
NASDAQ:ISBA
42.4 USD
M&T Bank Corp
NYSE:MTB
204.6 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
ISBA, MTB

ISBA
MTB
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Isabella Bank Corp
Revenue
M&T Bank Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
ISBA, MTB

ISBA
MTB
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Isabella Bank Corp
NASDAQ:ISBA
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

ISBA
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Isabella Bank Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

ISBA
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Isabella Bank Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

ISBA
20.5%
MTB
27.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Isabella Bank Corp
M&T Bank Corp

FCF Margin

ISBA
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Isabella Bank Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

ISBA
7.1%
MTB
9.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Isabella Bank Corp
M&T Bank Corp

ROA

ISBA
0.7%
MTB
1.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Isabella Bank Corp
M&T Bank Corp

ROIC

ISBA
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Isabella Bank Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

ISBA
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Isabella Bank Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ISBA, MTB

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ISBA
MTB
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Performance Gap
ISBA, MTB

Performance Gap Between ISBA and MTB
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Performance By Year
ISBA, MTB

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ISBA
MTB
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