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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 ($548.6M and $544.1M). ChoiceOne Financial Services, Inc. trades at the lower P/E: 10.1× against 10.8×. ChoiceOne Financial Services, Inc. grew revenue faster over the last twelve months: 35.1% against −1.01%. Sierra Bancorp has the higher net margin (25.3% vs 22.8%) and the higher return on invested capital (13.5% vs 5.66%). Both pay a dividend; ChoiceOne Financial Services, Inc. yields more (3.16% vs 2.53%). Across the 19 metrics below, Sierra Bancorp leads on 10 and ChoiceOne Financial Services, Inc. on 9.

Valuation

Metric BSRR COFS Banks Regional median
P/E 10.79 10.10 12.02
P/S 2.68 2.29 2.36
P/B 1.48 1.14 1.23
Price to free cash flow 10.47 10.53 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.27% 9.90% 8.21%
Free cash flow yield 9.55% 9.50% 9.23%

Profitability

Metric BSRR COFS Banks Regional median
Gross margin 78.49% 71.49% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.32% 22.77% 18.82%
Free cash flow margin 25.63% 21.74% 17.97%
Return on equity 14.02% 11.97% 10.28%
Return on assets 1.37% 1.25% 1.13%
Return on invested capital 13.53% 5.66% 8.45%

Growth

Metric BSRR COFS Banks Regional median
Revenue growth (TTM) (1.01%) 35.07% 6.37%
EPS growth (last fiscal year) 10.28% (38.15%) 18.85%
Revenue growth, 5-year CAGR 8.17% 23.76% 12.65%
Net income growth, 5-year CAGR 3.61% 12.53% 9.81%

Health

Metric BSRR COFS Banks Regional median
Debt to equity 0.24 0.71 0.17
Current ratio 0.81 0.87 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSRR COFS Banks Regional median
Dividend yield 2.53% 3.16% 2.49%
Payout ratio 0.27 0.32 0.29

Size

Metric BSRR COFS Banks Regional median
Market cap 544.07m 548.56m 934.85m

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