Bank7 Corp. (BSVN) vs ChoiceOne Financial Services, Inc. (COFS)

Bank7 Corp. and ChoiceOne Financial Services, Inc. are both Banks Regional companies. Bank7 Corp. and ChoiceOne Financial Services, Inc. are of similar size ($528.6M and $492.3M). ChoiceOne Financial Services, Inc. trades at the lower P/E: 9.1× against 13.1×. ChoiceOne Financial Services, Inc. grew revenue faster over the last twelve months: 35.1% against −0.23%. Bank7 Corp. has the higher net margin (30.4% vs 22.8%) and the higher return on invested capital (78.0% vs 5.66%). Both pay a dividend; ChoiceOne Financial Services, Inc. yields more (3.50% vs 1.91%). Across the 19 metrics below, ChoiceOne Financial Services, Inc. leads on 10 and Bank7 Corp. on 9.

Valuation

Metric BSVN COFS Banks Regional median
P/E 13.12 9.11 11.98
P/S 4.00 2.06 2.34
P/B 2.08 1.03 1.19
Price to free cash flow 11.25 9.49 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.62% 10.98% 8.23%
Free cash flow yield 8.89% 10.53% 9.08%

Profitability

Metric BSVN COFS Banks Regional median
Gross margin 71.17% 71.49% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 30.36% 22.77% 18.66%
Free cash flow margin 35.58% 21.74% 21.11%
Return on equity 16.85% 11.97% 10.65%
Return on assets 2.24% 1.25% 1.13%
Return on invested capital 77.98% 5.66% 8.35%

Growth

Metric BSVN COFS Banks Regional median
Revenue growth (TTM) (0.23%) 35.07% 6.98%
EPS growth (last fiscal year) (7.02%) (38.15%) 18.88%
Revenue growth, 5-year CAGR 20.08% 23.76% 12.38%
Net income growth, 5-year CAGR 17.46% 12.53% 9.71%

Health

Metric BSVN COFS Banks Regional median
Debt to equity 0.00 0.71 0.22
Current ratio 1.11 0.87 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSVN COFS Banks Regional median
Dividend yield 1.91% 3.50% 2.57%
Payout ratio 0.25 0.32 0.30

Size

Metric BSVN COFS Banks Regional median
Market cap 528.59m 492.34m 913.33m

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