COMP <GO>
NPB vs COFS // EV/EBITDA & P/E VALUATION
Northpointe Bancshares Inc. (NYSE) VS. ChoiceOne Financial Services Inc. (NASDAQ) • 15-METRIC TALLY: NPB 4
— COFS 3
■ METRIC PARITY
LAST: $15.89 (+0.63%) • MKT CAP: $549.5M
valuation
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LAST: $36.30 (+2.40%) • MKT CAP: $542.9M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NPB VS. COFS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NPB | COFS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 14.70% | 6.10% | +8.60 | NPB | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.42% | 4.81% | +2.61 | NPB | /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 | 0.58% | 3.24% | -2.66 | COFS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 6/9 | -2.00 | COFS | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 51.4 | 71.8 | -20.40 | COFS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.2x | 15.6x | -9.40 | NPB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $549.5M | $542.9M | $6.6M | NPB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NPB REV | COFS REV | NPB GROSS % | COFS GROSS % | NPB FCF | COFS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.95B | $227.6M | — | — | $41.5M | $25.2M |
| FY 2024 | $2.19B | $139.1M | — | — | $18.8M | $45.4M |
| FY 2023 | $1.92B | $113.9M | — | — | $504.2M | $46.3M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NPB // BETA —
COFS // BETA —