Pricing Log in Create free account

Bridgewater Bancshares, Inc. (BWB) vs ChoiceOne Financial Services, Inc. (COFS)

Bridgewater Bancshares, Inc. and ChoiceOne Financial Services, Inc. are both Banks Regional companies. Bridgewater Bancshares, Inc. and ChoiceOne Financial Services, Inc. are of similar size ($567.9M and $548.6M). Bridgewater Bancshares, Inc. trades at the lower P/E: 9.9× against 10.1×. ChoiceOne Financial Services, Inc. grew revenue faster over the last twelve months: 35.1% against 9.93%. ChoiceOne Financial Services, Inc. has the higher net margin (22.8% vs 18.0%) and the lower return on invested capital (5.66% vs 6.36%). Across the 18 metrics below, Bridgewater Bancshares, Inc. leads on 10 and ChoiceOne Financial Services, Inc. on 8.

Valuation

Metric BWB COFS Banks Regional median
P/E 9.86 10.10 12.02
P/S 1.82 2.29 2.36
P/B 1.19 1.14 1.23
Price to free cash flow 7.66 10.53 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.14% 9.90% 8.21%
Free cash flow yield 13.06% 9.50% 9.23%

Profitability

Metric BWB COFS Banks Regional median
Gross margin 54.54% 71.49% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.96% 22.77% 18.82%
Free cash flow margin 23.74% 21.74% 17.97%
Return on equity 12.30% 11.97% 10.28%
Return on assets 1.02% 1.25% 1.13%
Return on invested capital 6.36% 5.66% 8.45%

Growth

Metric BWB COFS Banks Regional median
Revenue growth (TTM) 9.93% 35.07% 6.37%
EPS growth (last fiscal year) 44.66% (38.15%) 18.85%
Revenue growth, 5-year CAGR 19.40% 23.76% 12.65%
Net income growth, 5-year CAGR 9.10% 12.53% 9.81%

Health

Metric BWB COFS Banks Regional median
Debt to equity 0.93 0.71 0.17
Current ratio 1.06 0.87 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BWB COFS Banks Regional median
Dividend yield — 3.16% 2.49%
Payout ratio — 0.32 0.29

Size

Metric BWB COFS Banks Regional median
Market cap 567.85m 548.56m 934.85m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack