Metropolitan Bank (NYSE:MCB) and Isabella Bank (OTCMKTS:ISBA) Head-To-Head Comparison

Isabella Bank (OTCMKTS:ISBAGet Rating) and Metropolitan Bank (NYSE:MCBGet Rating) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their dividends, risk, earnings, institutional ownership, profitability, valuation and analyst recommendations.

Valuation and Earnings

This table compares Isabella Bank and Metropolitan Bank’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Isabella Bank $73.93 million 2.53 $19.50 million $2.40 10.32
Metropolitan Bank $196.98 million 5.03 $59.82 million $6.70 13.52

Metropolitan Bank has higher revenue and earnings than Isabella Bank. Isabella Bank is trading at a lower price-to-earnings ratio than Metropolitan Bank, indicating that it is currently the more affordable of the two stocks.

Institutional & Insider Ownership

77.7% of Metropolitan Bank shares are owned by institutional investors. 9.5% of Isabella Bank shares are owned by insiders. Comparatively, 15.9% of Metropolitan Bank shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Profitability

This table compares Isabella Bank and Metropolitan Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Isabella Bank 25.65% 8.87% 0.92%
Metropolitan Bank 31.72% 13.83% 1.06%

Analyst Ratings

This is a summary of recent ratings and recommmendations for Isabella Bank and Metropolitan Bank, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Isabella Bank 0 1 0 0 2.00
Metropolitan Bank 0 0 0 0 N/A

Summary

Metropolitan Bank beats Isabella Bank on 10 of the 10 factors compared between the two stocks.

Isabella Bank Company Profile (Get Rating)

Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides various banking products and services to businesses, institutions, and individuals and their families. Its deposit products include checking accounts, savings accounts, certificates of deposit, direct deposits, and money market accounts. The company's loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans, including secured and unsecured personal loans. It also offers cash management, mobile and internet banking, electronic bill pay, automated teller machines, trust and investment, estate planning, and safe deposit box rental services; and group life, health, accident, disability, and other insurance products, as well as other employee benefit programs. As of December 31, 2021, the company operated 30 banking offices in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. Isabella Bank Corporation was founded in 1903 and is headquartered in Mount Pleasant, Michigan.

Metropolitan Bank Company Profile (Get Rating)

Metropolitan Bank Holding Corp. operates as the bank holding company for Metropolitan Commercial Bank that provides a range of business, commercial, and retail banking products and services to small businesses, middle-market enterprises, public entities, and individuals in the New York metropolitan area. The company offers checking, savings, term deposit, and money market accounts, as well as certificates of deposit. It also provides lending products, including commercial real estate, construction, multi-family, and one-to four-family real estate loans; commercial and industrial loans; consumer loans; acquisition and renovation loans; loans to refinance or return borrower equity; loans on owner-occupied properties; working capital lines of credit; trade finance and letters of credit; and term loans. In addition, the company offers cash management services, as well as online and mobile banking, ACH, remote deposit capture, and debit card services. It operates six banking centers in Manhattan, Brooklyn, Great Neck, and Long Island. Metropolitan Bank Holding Corp. was founded in 1999 and is headquartered in New York, New York.

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