ISBA vs CIO

Comparison between Isabella Bank Corp (ISBA, Company) and CITY OFFICE REIT, INC. (CIO, Company).

ISBA is from the Financial Services sector, while CIO is from the Real Estate sector.

5-Year PerformanceISBA has outperformed CIO, delivering a return of +15.7% compared to +0.4%

ISBA vs CIO - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ISBA(COMPANY)	CIO(COMPANY)
Market Cap	$282M	$282M
Max Drawdown	66.29%	83.69%
Sharpe Ratio	0.60	0.95
5Y Beta	0.29	N/A
Industry	Banks - Regional	Reit - Office
P/E Ratio	14.16	-2.32
Forward P/E	11.22	384.62
PEG Ratio	0.38	-0.00
Dividend Yield	2.80%	4.29%
5Y Dividends CAGR	5.33%	-13.03%
5Y EPS CAGR	11.61%	N/A
Debt to Equity	0.00%	65.30%
Free Cash Flow Yield	8.10%	16.87%
P/S Ratio	3.40	N/A
P/B Ratio	1.23	N/A

Market Cap

Winner

ISBA

$282M

CIO

$282M

Max Drawdown

Winner

ISBA

66.29%

CIO

83.69%

Sharpe Ratio

ISBA

0.60

Winner

CIO

0.95

5Y Beta

ISBA

0.29

CIO

N/A

Industry

ISBA

Banks - Regional

CIO

Reit - Office

P/E Ratio

ISBA

14.16

Winner

CIO

-2.32

Forward P/E

Winner

ISBA

11.22

CIO

384.62

PEG Ratio

ISBA

0.38

Winner

CIO

-0.00

Dividend Yield

ISBA

2.80%

Winner

CIO

4.29%

5Y Dividends CAGR

Winner

ISBA

5.33%

CIO

-13.03%

5Y EPS CAGR

ISBA

11.61%

CIO

N/A

Debt to Equity

Winner

ISBA

0.00%

CIO

65.30%

Free Cash Flow Yield

ISBA

8.10%

Winner

CIO

16.87%

P/S Ratio

ISBA

3.40

CIO

N/A

P/B Ratio

ISBA

1.23

CIO

N/A

ISBA vs CIO - Historical Returns

Returns include dividend reinvestment.

Period	ISBA	CIO
1 month	-3.99%	+0.58%
3 months	-13.58%	+0.43%
6 months	-23.80%	+27.71%
1 year	+18.66%	+37.94%
5 years(CAGR)	+15.67%	+0.37%
10 years(CAGR)	+7.92%	+1.63%
Max(CAGR)	+3.31%	+2.20%

ISBA

-3.99%

Winner

CIO

+0.58%

ISBA

-13.58%

Winner

CIO

+0.43%

ISBA

-23.80%

Winner

CIO

+27.71%

ISBA

+18.66%

Winner

CIO

+37.94%

5Y(CAGR)

Winner

ISBA

+15.67%

CIO

+0.37%

10Y(CAGR)

Winner

ISBA

+7.92%

CIO

+1.63%

Max(CAGR)

Winner

ISBA

+3.31%

CIO

+2.20%

ISBA vs CIO - Annual Returns (2007 - 2026)

Returns include dividend reinvestment.

Year	ISBA	CIO
2026	-23.20%	+0.14%
2025	+98.99%	+36.42%
2024	+27.56%	-5.33%
2023	+0.71%	-20.35%
2022	-4.43%	-55.54%
2021	+36.98%	+117.79%
2020	-14.36%	-20.68%
2019	+11.75%	+41.86%
2018	-16.89%	-14.64%
2017	+5.18%	+4.93%
2016	-3.52%	+15.61%
2015	+38.14%	-0.04%
2014	-1.98%	+8.52%
2013	+12.23%	N/A
2012	-3.83%	N/A
2011	+42.58%	N/A
2010	+0.09%	N/A
2009	-22.92%	N/A
2008	-39.40%	N/A
2007	-2.33%	N/A

ISBA vs CIO Drawdown Comparison

The maximum drawdown for ISBA was -65.57%, occurring on Mar 11, 2009. Recovery took 3544 trading sessions.

The maximum drawdown for CIO was -80.90%, occurring on Oct 27, 2023. This drawdown has not yet recovered.

The current ISBA drawdown is -31.72%. The current CIO drawdown is -56.00%.

Rank	ISBA	CIO
#1	-65.57% Aug 13, 2007 - Sep 17, 2021	-80.90% Jan 6, 2022 - Oct 27, 2023
#2	-31.72% Dec 19, 2025 - Jul 23, 2026	-52.69% Feb 18, 2020 - Jul 26, 2021
#3	-29.50% Nov 10, 2021 - Nov 18, 2024	-24.56% Oct 5, 2017 - Jul 5, 2018
#4	-26.10% Jun 18, 2025 - Nov 4, 2025	-21.53% Apr 7, 2015 - Mar 18, 2016
#5	-16.26% Dec 27, 2024 - Apr 21, 2025	-21.53% Aug 28, 2018 - Jun 13, 2019
#6	-11.41% Nov 4, 2025 - Nov 21, 2025	-15.24% Oct 26, 2021 - Dec 22, 2021
#7	-6.22% Dec 2, 2025 - Dec 4, 2025	-13.83% Mar 18, 2016 - Jun 30, 2016
#8	-6.04% Nov 21, 2025 - Dec 2, 2025	-13.15% Aug 1, 2016 - Aug 31, 2017
#9	-3.19% May 20, 2025 - Jun 5, 2025	-11.77% Sep 26, 2019 - Jan 21, 2020
#10	-2.50% Dec 10, 2025 - Dec 15, 2025	-8.03% Jun 16, 2014 - Jul 10, 2014
#11	-2.24% May 1, 2025 - May 12, 2025	-7.34% Oct 14, 2014 - Apr 2, 2015
#12	-2.06% Oct 14, 2021 - Oct 25, 2021	-6.37% Jun 20, 2019 - Jul 30, 2019
#13	-2.05% Apr 21, 2025 - Apr 24, 2025	-5.00% Sep 7, 2021 - Sep 22, 2021
#14	-1.85% Oct 1, 2021 - Oct 14, 2021	-4.86% Jul 11, 2014 - Aug 27, 2014
#15	-1.74% Sep 28, 2021 - Oct 1, 2021	-4.43% Aug 27, 2014 - Sep 19, 2014

Correlation

Correlation between ISBA and CIO is 0.12 which considered as a very weak or no correlation - the stocks move independently of each other.

0.12

-101

Dividend Comparison (2008 - 2026)

ISBA vs CIO dividend yield comparison.

Year	ISBA	CIO
2026	1.47%	0.00%
2025	2.24%	4.29%
2024	4.31%	7.25%
2023	5.21%	9.82%
2022	4.64%	9.55%
2021	4.24%	3.04%
2020	5.52%	7.01%
2019	4.32%	6.95%
2018	4.61%	9.17%
2017	3.61%	7.23%
2016	3.52%	7.14%
2015	3.14%	5.79%
2014	3.96%	5.10%
2013	3.52%	0.00%
2012	3.68%	0.00%
2011	3.25%	0.00%
2010	4.16%	0.00%
2009	3.69%	0.00%
2008	1.61%	0.00%