First Community vs Isabella Bank
First Community and Isabella Bank are similar in size: $79.0m and $78.5m of revenue in their latest fiscal years. First Community grew faster (19.6% against 11.5%). First Community kept more of each dollar of sales as profit: a net margin of 24.3% against 24.1%.
| Latest fiscal year | First CommunityFCCO, 2025 | Isabella BankISBA, 2025 |
|---|---|---|
| Revenue | $79.0m | $78.5m |
| Revenue growth | 19.6% | 11.5% |
| Net income | $19.2m | $18.9m |
| Operating margin | — | — |
| Net margin | 24.3% | 24.1% |
| Return on equity | 12.3% | 8.6% |
| Free cash flow | $17.6m | $23.3m |
| Cash | $161m | $26.0m |
| Total debt | $0 | $143m |
| Debt to equity | — | — |
| Dividend per share | $0.62 | $1.12 |
| Dividend yield | 1.7% | 2.6% |
| Share buybacks | — | $4.7m |
| Employees | — | 362 |
| Market value | $310m | $309m |
| Price vs our value range | — | — |
| Moat score | 59 (Moderate) | 71 (Strong) |
| Insider trades, 12 months | 2 buys, 6 sales | 21 buys, 0 sales |