Sierra Bancorp vs ChoiceOne Financial Services
BSRR and COFS side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How BSRR and COFS compare
Sierra Bancorp and ChoiceOne Financial Services are about the same size, with market caps of $543M and $530M.
ChoiceOne Financial Services grew revenue faster over the last twelve months (46.2% versus 2.8% for Sierra Bancorp).
ChoiceOne Financial Services keeps more of each dollar of sales as profit, with a net margin of 42.0% compared with 40.8% at Sierra Bancorp.
Both pay dividends: Sierra Bancorp yields 2.5% and ChoiceOne Financial Services 3.3%.
Sierra Bancorp scores higher on the StockData Score (16 against 14 for ChoiceOne Financial Services), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | BSRR | COFS |
|---|---|---|
| Size and price | ||
| Market cap | $543M | $530M |
| Share price | $41.90 | $35.45 |
| Change, 1 year | 43.1% | 22.2% |
| Change, 5 years | 59.1% | 36.4% |
| Beta (5Y) | 0.67 | 0.56 |
| Employees | 55 | 598 |
| StockData Score | ||
| Total score | 16 (better) | 14 |
| Valuation score | 1 | 1 |
| Growth score | 2 | 3 (better) |
| Performance score | 5 | 5 |
| Health score | 4 (better) | 2 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 10.8× | – |
| P/S | 4.4× | 4.1× (better) |
| P/B | 1.5× | 1.1× (better) |
| P/FCF | 10.7× | 10.4× (better) |
| PEG | 0.93 | – |
| FCF yield | 9.3% | 9.6% (better) |
| Fair value | $37.65 | – |
| Margin of safety | −11.3% | – |
| Growth | ||
| Revenue growth (TTM) | 2.8% | 46.2% (better) |
| Revenue growth, 5Y average | 3.5% | 25.3% (better) |
| Net income growth (TTM) | 27.2% | 287% (better) |
| EPS growth (TTM) | 35.2% | – |
| EPS growth, 5Y average | 6.0% (better) | −0.59% |
| Profitability | ||
| Net margin | 40.8% | 42.0% (better) |
| FCF margin | 40.9% (better) | 39.2% |
| Return on equity | 14.0% (better) | 12.0% |
| Financial health | ||
| Altman Z-score | 0.24 (better) | 0.15 |
| Piotroski F-score | 6 (better) | 4 |
| Dividends and buybacks | ||
| Dividend yield | 2.5% | 3.3% (better) |
| Payout ratio | 27.1% | 31.5% |
| Years of dividend growth | 2 | 5 (better) |
| Dividend growth, 5Y average | 4.6% | 6.6% (better) |
| Buyback yield | 4.1% (better) | −0.18% |
| Shareholder yield | 6.6% (better) | 3.1% |
| Ownership | ||
| Held by institutions | 60.0% | 46.8% |
| Held by insiders | 7.0% | 6.5% |
| Insider net buying, 12 months | −$2.3M | −$39.1K (better) |
| Short interest, % of float | 3.3% | 3.7% |
Go deeper
- BSRR stock overview
- BSRR income statement
- BSRR valuation and score
- COFS stock overview
- COFS income statement
- COFS valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.