` Comparison: ISBA vs HBAN - Alpha Spread
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ISBA
vs
HBAN

Over the past 12 months, ISBA has significantly outperformed HBAN, delivering a return of +105% compared to the HBAN's +8% growth.

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

ISBA Intrinsic Value
310.6 USD
Undervaluation 83%
Intrinsic Value
Price
HBAN Intrinsic Value
18.25 USD
Undervaluation 3%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Isabella Bank Corp
OTC:ISBA
51.86 USD
Huntington Bancshares Inc
NASDAQ:HBAN
17.74 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
ISBA, HBAN

ISBA
HBAN
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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
Huntington Bancshares Inc
Revenue

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

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Profitability Comparison

Free Cash Flow
ISBA, HBAN

ISBA
HBAN
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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
OTC:ISBA
FCF is not applicable for financial companies
Huntington Bancshares Inc
NASDAQ:HBAN
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

ISBA
HBAN
LTM 3Y Avg 5Y Avg 10Y Avg
Isabella Bank Corp
Not applicable for financial companies
Huntington Bancshares Inc
Not applicable for financial companies

Operating Margin

ISBA
HBAN
LTM 3Y Avg 5Y Avg 10Y Avg
Isabella Bank Corp
Not applicable for financial companies
Huntington Bancshares Inc
Not applicable for financial companies

Net Margin

ISBA
-17.4%
HBAN
25.6%

FCF Margin

ISBA
HBAN
LTM 3Y Avg 5Y Avg 10Y Avg
Isabella Bank Corp
Not applicable for financial companies
Huntington Bancshares Inc
Not applicable for financial companies

ROE

ISBA
-114.9%
HBAN
9.5%

ROA

ISBA
-6.2%
HBAN
1%

ROIC

ISBA
HBAN
LTM 3Y Avg 5Y Avg 10Y Avg
Isabella Bank Corp
Not applicable for financial companies
Huntington Bancshares Inc
Not applicable for financial companies

ROCE

ISBA
HBAN
LTM 3Y Avg 5Y Avg 10Y Avg
Isabella Bank Corp
Not applicable for financial companies
Huntington Bancshares Inc
Not applicable for financial companies

Solvency Comparison

Isabella Bank Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Huntington Bancshares Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ISBA, HBAN

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HBAN
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
ISBA, HBAN

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ISBA
HBAN
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
ISBA, HBAN

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HBAN
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