ISBA
Isabella Bank Corporation
ISBA trails on the overall score without a compensating advantage in the available component scores.
MS
Morgan Stanley
MS has the edge over ISBA overall, supported by stronger modeled upside and stronger valuation.
ISBA Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
ISBA's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like ISBA.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
ISBA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.1x | $23.34 | -41% |
| Forward | 11x | $39.60 | — |
| Fair | 12x | $35.44 | -11% |
| Current | 14x | $39.60 | — |
| Expensive | 16x | $44.67 | +13% |
Historical ranges are pointers, not guarantees.
ISBA has the edge over MS in the historical PE scenario, which offers more potential upside but is not a forecast.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x next year's earnings.
ISBA Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for ISBA, but weaker profitability.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
MS has the edge over ISBA on the outlook, with more favorable profitability expectations.
ISBA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.65 | +27% |
| Q3 2026 | $2.87 | +17% |
| Q2 2026 | $2.72 | +24% |
| Q1 2026 | $2.71 | +38% |
| Q4 2025 | $2.56 | +38% |
| Q3 2025 | $2.46 | +34% |
| Q2 2025 | $2.19 | +11% |
| Q1 2025 | $1.97 | -7.1% |
| Q4 2024 | $1.86 | -22% |
ISBA earned $2.87 per share over the past year, up 17% from the year before.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS has the edge over ISBA on earnings, with more consistent year-over-year improvement.
ISBA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $23.9M | +17% |
| Q2 2026 | $22.5M | +19% |
| Q1 2026 | $21.2M | +18% |
| Q4 2025 | $21.2M | +14% |
| Q3 2025 | $20.5M | +14% |
| Q2 2025 | $18.8M | +9.7% |
| Q1 2025 | $18.1M | +8% |
| Q4 2024 | $18.5M | +8.2% |
ISBA's revenue has grown year over year for nine quarters in a row: $24M last quarter, up 17% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 34% | +3.8 points |
| Q2 2026 | 28% | -5.3 points |
| Q1 2026 | 28% | +1.2 points |
| Q4 2025 | 32% | +6.2 points |
| Q3 2025 | 31% | +9.3 points |
| Q2 2025 | 33% | +8.9 points |
| Q1 2025 | 27% | +5.1 points |
| Q4 2024 | 26% | -0.4 points |
ISBA has the edge over MS on profitability, with a higher operating margin.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS has the edge over ISBA on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS's operating margin was 32% last quarter, down 1.2 points from the same quarter a year ago.
ISBA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $4.9M | +181% |
| Q2 2026 | $7.3M | +0.8% |
| Q1 2026 | $3.2M | -13% |
| Q4 2025 | $10.6M | +61% |
| Q3 2025 | $1.7M | -49% |
| Q2 2025 | $7.2M | +44% |
| Q1 2025 | $3.7M | +47% |
| Q4 2024 | $6.6M | +62% |
ISBA has the edge over MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
ISBA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +4.2% | +306K shares |
| 1 year | +3.7% | +271K shares |
| 3 years | +1% | +72.5K shares |
| 5 years | -5% | -402K shares |
| Available history | -5.6% | -452K shares |
ISBA has 8M diluted shares, up 3.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $136,000 |
| Q2 2026 | $224,000 |
| Q1 2026 | $402,000 |
| Q4 2025 | $1.5M |
| Q3 2025 | $609,000 |
| Q2 2025 | $1.5M |
| Q1 2025 | $1.1M |
| Q3 2024 | $1M |
ISBA spent $2M buying back its own shares over the past year.
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has the edge over ISBA on shareholder dilution, with a more favorable share count trend.
ISBA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.7x | Net Cash |
| Q2 2026 | -0.4x | Net Cash |
| Q1 2026 | -0.8x | Net Cash |
| Q4 2025 | 0.1x | Very low |
| Q3 2025 | -5.4x | Net Cash |
| Q2 2025 | -3.6x | Net Cash |
| Q1 2025 | -2.0x | Net Cash |
| Q4 2024 | 0.3x | Very low |
ISBA has the edge over MS on leverage, with a lower net debt burden relative to earnings.
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
ISBA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 48.7 | Neutral |
| Stochastic | 61.5 | Neutral |
ISBA's weekly RSI is 49 (neutral) and its Stochastic is 61 (neutral).
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).
ISBA PE vs Financial Services Sector
| Metric | ISBA | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 6% above |
| PE % | 62 | 63 | 1 pt below |
ISBA has the edge over MS on valuation relative to its sector.
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS is trading at 15x earnings, a 15% premium to the Financial Services sector's median of 13x.
ISBA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $38.6 | 2.5% above |
| 20 week MA | $39.2 | 1.1% above |
| 50 week MA | $43.4 | 8.8% below |
| 100 week MA | $36.8 | 7.7% above |
| 200 week MA | $28.9 | 37% above |
ISBA has the edge over MS on trend strength, trading above more of its moving averages.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS's trend is mixed: it's above three of its five weekly moving averages, and 46% above its 200-week average.
ISBA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $24.2 | $19.8 | -18% |
| 2021 | $19.8 | $26.3 | +33% |
| 2022 | $26.3 | $23.0 | -13% |
| 2023 | $23.0 | $21.5 | -6.5% |
| 2024 | $21.5 | $26.0 | +21% |
| 2025 | $26.0 | $51.6 | +99% |
| 2026 YTD | $51.6 | $39.6 | -23% |
ISBA has finished lower in three of the last six years. It's down 23% so far in 2026.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has the edge over ISBA on returns for 2026, with the stronger performance.