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ChoiceOne Financial Services, Inc. (COFS) vs Ponce Financial Group, Inc. (PDLB)

ChoiceOne Financial Services, Inc. and Ponce Financial Group, Inc. are both Banks Regional companies. ChoiceOne Financial Services, Inc. and Ponce Financial Group, Inc. are of similar size ($548.6M and $528.0M). ChoiceOne Financial Services, Inc. trades at the lower P/E: 10.1× against 11.3×. ChoiceOne Financial Services, Inc. grew revenue faster over the last twelve months: 35.1% against 14.4%. ChoiceOne Financial Services, Inc. has the higher net margin (22.8% vs 20.7%) and the higher return on invested capital (5.66% vs 2.67%). Across the 18 metrics below, ChoiceOne Financial Services, Inc. leads on 9 and Ponce Financial Group, Inc. on 9.

Valuation

Metric COFS PDLB Banks Regional median
P/E 10.10 11.33 12.02
P/S 2.29 2.35 2.36
P/B 1.14 1.43 1.23
Price to free cash flow 10.53 7.19 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.90% 8.83% 8.21%
Free cash flow yield 9.50% 13.92% 9.23%

Profitability

Metric COFS PDLB Banks Regional median
Gross margin 71.49% 59.71% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.77% 20.69% 18.82%
Free cash flow margin 21.74% 32.74% 17.97%
Return on equity 11.97% 13.49% 10.28%
Return on assets 1.25% 1.30% 1.13%
Return on invested capital 5.66% 2.67% 8.45%

Growth

Metric COFS PDLB Banks Regional median
Revenue growth (TTM) 35.07% 14.35% 6.37%
EPS growth (last fiscal year) (38.15%) 160.87% 18.85%
Revenue growth, 5-year CAGR 23.76% 23.97% 12.65%
Net income growth, 5-year CAGR 12.53% 48.24% 9.81%

Health

Metric COFS PDLB Banks Regional median
Debt to equity 0.71 1.20 0.17
Current ratio 0.87 1.34 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric COFS PDLB Banks Regional median
Market cap 548.56m 528.02m 934.85m

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