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Sierra Bancorp (BSRR) vs ChoiceOne Financial Services, Inc. (COFS)

Sierra Bancorp and ChoiceOne Financial Services, Inc. are both Banks Regional companies. Sierra Bancorp and ChoiceOne Financial Services, Inc. are of similar size ($507.5M and $492.3M). ChoiceOne Financial Services, Inc. trades at the lower P/E: 9.1× against 11.6×. ChoiceOne Financial Services, Inc. grew revenue faster over the last twelve months: 35.1% against −0.63%. ChoiceOne Financial Services, Inc. has the higher net margin (22.8% vs 22.4%) and the lower return on invested capital (5.66% vs 12.1%). Both pay a dividend; ChoiceOne Financial Services, Inc. yields more (3.50% vs 2.61%). Across the 19 metrics below, ChoiceOne Financial Services, Inc. leads on 13 and Sierra Bancorp on 6.

Valuation

Metric BSRR COFS Banks Regional median
P/E 11.60 9.11 11.98
P/S 2.54 2.06 2.34
P/B 1.39 1.03 1.19
Price to free cash flow 11.31 9.49 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.62% 10.98% 8.23%
Free cash flow yield 8.84% 10.53% 9.08%

Profitability

Metric BSRR COFS Banks Regional median
Gross margin 77.94% 71.49% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.37% 22.77% 18.66%
Free cash flow margin 22.46% 21.74% 21.11%
Return on equity 12.46% 11.97% 10.65%
Return on assets 1.20% 1.25% 1.13%
Return on invested capital 12.07% 5.66% 8.35%

Growth

Metric BSRR COFS Banks Regional median
Revenue growth (TTM) (0.63%) 35.07% 6.98%
EPS growth (last fiscal year) 10.28% (38.15%) 18.88%
Revenue growth, 5-year CAGR 8.17% 23.76% 12.38%
Net income growth, 5-year CAGR 3.61% 12.53% 9.71%

Health

Metric BSRR COFS Banks Regional median
Debt to equity 0.23 0.71 0.22
Current ratio 0.80 0.87 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSRR COFS Banks Regional median
Dividend yield 2.61% 3.50% 2.57%
Payout ratio 0.30 0.32 0.30

Size

Metric BSRR COFS Banks Regional median
Market cap 507.52m 492.34m 913.33m

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