Franklin Financial Services (FRAF) vs Isabella Bank (ISBA)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Franklin Financial Services (FRAF) has outperformed Isabella Bank (ISBA) over the past year, gaining 39.1% versus a gain of 5.8%. Over five years, FRAF leads with a +97.5% price change compared with +45.7% for ISBA. Isabella Bank is the larger company by market cap ($290.0 million vs $285.5 million), about 1.0 times the size.
On valuation, Isabella Bank trades at a lower forward P/E (9.6x vs 9.6x for Franklin Financial Services). Isabella Bank offers the higher dividend yield (2.95% vs 2.10%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FRAF | ISBA |
|---|---|---|
| Share price | $63.46 | $38.02 |
| Market cap | $285.54M | $290.05M |
| 1-day change | -0.14% | -0.82% |
| YTD return | +26.41% | -23.96% |
| 1-year return | +39.08% | +5.76% |
| 5-year return | +97.51% | +45.67% |
| P/E ratio (TTM) | 11.58 | 14.03 |
| Forward P/E | 9.63 | 9.63 |
| EPS (TTM) | $5.48 | $2.71 |
| Dividend yield | 2.10% | 2.95% |
| Annual dividend | $1.33 | $1.12 |
| 52-week high | $65.41 | $58.83 |
| 52-week low | $43.47 | $33.24 |
| Distance from 52-week high | -2.98% | -35.37% |
| Average volume | 36.78K | 58.49K |
| Shares outstanding | 4.50M | 7.63M |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- FRAF has outperformed ISBA by 33.3 percentage points over the past year.
FRAF vs ISBA FAQ
Which is bigger, Franklin Financial Services or Isabella Bank?
Isabella Bank (ISBA) is larger, with a market capitalization of $290.05M compared with $285.54M for Franklin Financial Services (FRAF).
Which stock has performed better over the past year, FRAF or ISBA?
FRAF returned +39.08% over the past 12 months, compared with +5.76% for ISBA (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FRAF or ISBA?
FRAF has the lower trailing P/E at 11.6, versus 14.0 for ISBA. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Franklin Financial Services or Isabella Bank?
Isabella Bank has the higher yield at 2.95%, compared with 2.10% for Franklin Financial Services.
Are Franklin Financial Services and Isabella Bank in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.