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Screener Weekly Summary Pricing

ChoiceOne Financial Services, Inc. (COFS) vs Orange County Bancorp, Inc. (OBT)

ChoiceOne Financial Services, Inc. and Orange County Bancorp, Inc. are both Banks Regional companies. ChoiceOne Financial Services, Inc. and Orange County Bancorp, Inc. are of similar size ($501.2M and $491.6M). ChoiceOne Financial Services, Inc. trades at the lower P/E: 9.1× against 10.7×. ChoiceOne Financial Services, Inc. grew revenue faster over the last twelve months: 35.1% against 3.32%. Orange County Bancorp, Inc. has the higher net margin (30.8% vs 22.8%) and the higher return on invested capital (523.6% vs 5.66%). Both pay a dividend; ChoiceOne Financial Services, Inc. yields more (4.27% vs 1.79%). Across the 20 metrics below, Orange County Bancorp, Inc. leads on 13 and ChoiceOne Financial Services, Inc. on 7.

Valuation

Metric COFS OBT Banks Regional median
P/E 9.08 10.65 12.15
P/S 2.06 3.29 2.37
P/B 1.02 1.65 1.21
Price to free cash flow 9.47 7.83 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.12 1.34 2.27
Earnings yield 11.01% 9.39% 8.11%
Free cash flow yield 10.56% 12.78% 8.98%

Profitability

Metric COFS OBT Banks Regional median
Gross margin 71.49% 82.32% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.77% 30.80% 18.66%
Free cash flow margin 21.74% 42.03% 21.18%
Return on equity 11.97% 16.95% 10.64%
Return on assets 1.25% 1.75% 1.13%
Return on invested capital 5.66% 523.60% 8.33%

Growth

Metric COFS OBT Banks Regional median
Revenue growth (TTM) 35.07% 3.32% 6.61%
EPS growth (last fiscal year) (38.15%) 34.82% —
Revenue growth, 5-year CAGR 23.76% 19.50% 12.30%
Net income growth, 5-year CAGR 12.53% 28.93% 9.71%

Health

Metric COFS OBT Banks Regional median
Debt to equity 0.71 0.11 0.22
Current ratio 0.87 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric COFS OBT Banks Regional median
Dividend yield 4.27% 1.79% 3.75%
Payout ratio 0.33 0.17 0.27

Size

Metric COFS OBT Banks Regional median
Market cap 491.59m 501.19m 921.07m

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