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ISBA
Isabella Bank CorporationSnapshot 2026-07-26 · 1.0w · Fresh
Strategy Eligibility
5 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
Yes
🌱
GARP
✗
🔄
Shareholder Yield
4.3%
💰
High Yield
Div 3.0%
🚀
Momentum Leaders
12-1 27%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.75
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
34.0%ile
P/E
13.3×
P/S
2.5×
P/B
1.1×
E/P
0.0327
FCF Yield
0.089
EBITDA/EV
0.036
SH Yield
0.043
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
33.00000000
/100 — 1=cheapest
VC2 (Trending Value)
30.00000000
/100
VC3 (Buyback)
33.00000000
/100
FCF yield of 8.9% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
67.0%ile
ROE
0.080
ROA
0.009
Net Margin
0.188
Op Margin
0.104
GPA
0.032
D/E
7.92
Current
4.15
F-Score
7/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.021
Earn Growth
0.228
Stability
0.155
lower=better
Accruals
-0.003
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 7.92 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
69.0%ile
6M Return
-27.0%
12M Return
16.3%
12-1 Mom
26.9%
Risk-Adj
0.72
Vol 252d
37.5%
Vol 60d
92.1%
↑ Expanding
Max DD 12M
-34.5%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 27% is very strong — a clear uptrend. Near-term vol (92%) is expanding vs long-term (37%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.56
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services
· 500 peers
Sector Value %ile
0.4%
Sector Quality %ile
42.5%
P/E z-score
-0.15
P/B z-score
-0.07
Sector Avg OS
85.2%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
Factor Interactions
Strong Capital Return
Shareholder yield 4.3% backed by 8.9% FCF yield. Returns are well-funded.
Volatility Expanding
60-day vol (92%) significantly exceeds 252-day (37%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
62.3% avg (7 factors)
Quality
D
39.8% avg (8 factors)
Momentum
D
41.8% avg (4 factors)
Risk
C
54.2% avg (1 factors)
Deep value territory, but quality is concerning. This is either a turnaround opportunity or a value trap — the F-Score and accruals ratio will be key differentiators. Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
| Factor | Current | Streak | Trend | Spark |
|---|---|---|---|---|
| OS Composite | 0.560 | —0 | — | |
| Value %ile | 0.340 | —0 | — | |
| Quality %ile | 0.670 | —0 | — | |
| Momentum %ile | 0.690 | —0 | — | |
| F-Score | 7.000 | —8 | — | |
| Confidence | 1.000 | —8 | — | |
| Volatility | 0.375 | —0 | — |
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
13.28
Earnings Yield (E/P)
0.0327
Price / Sales
2.49
Price / Book
1.07
Price / Cash Flow
9.88
FCF Yield
8.9%
EBITDA / EV
3.6%
Sales Yield (1/P·S)
0.3135
Shareholder Yield
Div + net buyback / mktcap
4.3%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
8.0%
Return on Assets
0.9%
Net Margin
18.8%
Operating Margin
10.4%
Gross Profit / Assets
Novy-Marx GPA
3.2%
Debt / Equity
7.92
Current Ratio
4.15
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.003
External Financing
Net issuance — lower=better
0.003
MomentumPrice trend strength over different horizons
6M Return
-27.0%
12M Return
16.3%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
26.9%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.72
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
2.1%
Earnings Growth (YoY)
22.8%
Earnings Stability (CV)
Lower = more stable
0.155
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
7
Dividend Yield
3.0%
Buyback Yield
1.3%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
33
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
30
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
33
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity