COMP <GO>
COFS vs BSRR // GROSS PROFIT MARGIN
ChoiceOne Financial Services Inc. (NASDAQ) VS. Sierra Bancorp (NASDAQ) • 15-METRIC TALLY: COFS 3
— BSRR 4
■ METRIC PARITY
LAST: $36.30 (+2.40%) • MKT CAP: $542.9M
gross-margins
—
LAST: $42.66 (+2.47%) • MKT CAP: $553.1M
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (COFS VS. BSRR)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | COFS | BSRR | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.10% | 11.60% | -5.50 | BSRR | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 4.81% | 5.85% | -1.04 | BSRR | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 12.40% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 63.60% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.24% | 2.50% | +0.74 | COFS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 4/9 | +2.00 | COFS | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 71.8 | 63.4 | +8.40 | COFS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 15.6x | 12.1x | +3.50 | BSRR | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $542.9M | $553.1M | -$10.3M | BSRR | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | COFS REV | BSRR REV | COFS GROSS % | BSRR GROSS % | COFS FCF | BSRR FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $227.6M | $1.61B | — | — | $25.2M | $32.2M |
| FY 2024 | $139.1M | $1.52B | — | — | $45.4M | $56.0M |
| FY 2023 | $113.9M | $202.3M | — | — | $46.3M | $53.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
COFS // BETA —
BSRR // BETA —