BSRR vs COFS: stock comparison and AI forecast
Sierra Bancorp (BSRR) and Choiceone Financial Services Inc (COFS) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
BSRR Sierra Bancorp
- Price
- $42.01 +14.8% · 6M
- Market Cap
- $545M
- P/E Ratio
- 11.8x
- Size
- small-cap
- AI Forecast
COFS Choiceone Financial Services Inc
- Price
- $35.45 +18.0% · 6M
- Market Cap
- $530M
- P/E Ratio
- 18.3x
- Size
- small-cap
- AI Forecast
- NO CURRENT FORECAST
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- BSRR and COFS have similar market capitalizations ($545M and $530M).
- BSRR trades at 11.8 times trailing earnings, COFS at 18.3 times.
- Over the last six months COFS returned +18.0% and BSRR +14.8%.
- BSRR carries 9.16 times debt per unit of equity, against 8.23 times for COFS.
- COFS yields 3.25% in dividends and BSRR 2.52%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | BSRR | COFS |
|---|---|---|
| Market Cap | $545M | $530M |
| P/E Ratio | 11.80x | 18.27x |
| P/B Ratio | 1.51x | 1.10x |
| Dividend Yield | 2.52% | 3.25% |
| EPS | $3.56 | $1.94 |
| Book Value/Share | $27.90 | $32.27 |
| Revenue/Share | $12.15 | $16.07 |
| FCF/Share | $3.91 | $3.41 |
Profitability & Margins
| Metric | BSRR | COFS |
|---|---|---|
| ROE | 14.0% | – |
| ROA | 1.4% | – |
| Net Margin | 32.1% | – |
| EBT Margin | 42.5% | 27.8% |
| Tax Rate | 24.4% | 18.1% |
Financial Health
| Metric | BSRR | COFS |
|---|---|---|
| D/E Ratio | 9.16x | 8.23x |
| Financial Leverage | 10.16x | 9.23x |
Cash Flow
| Metric | BSRR | COFS |
|---|---|---|
| Operating Cash Flow | $52M | $59M |
| Free Cash Flow | $51M | $51M |
| Capital Spending | -$1M | -$8M |
| OCF Growth YoY | 24.2% | 194.3% |
| FCF Growth YoY | 25.1% | 213.9% |
| FCF/Sales | 32.2% | 21.2% |
| CapEx/Sales | 0.8% | 3.4% |
Operational Efficiency
| Metric | BSRR | COFS |
|---|---|---|
| Asset Turnover | 0.04x | 0.05x |
| Fixed Assets Turnover | 11.0x | 4.8x |
Income Statement
| Metric | BSRR | COFS |
|---|---|---|
| Total Revenue | $158M | $240M |
| Net Income | $51M | – |
Dividend & Shareholder Information
| Metric | BSRR | COFS |
|---|---|---|
| Dividends Per Share | $1.06 | $1.15 |
| Payout Ratio | 29.8% | 59.3% |
| Shares Outstanding | 13M | 15M |
| Net Income Growth | 27.2% | – |
| EPS Growth | 24.0% | -40.9% |
BSRR vs COFS: stock comparison and AI forecast
Which is bigger, BSRR or COFS?
BSRR and COFS have similar market capitalizations ($545M and $530M).
Which is cheaper on earnings, BSRR or COFS?
BSRR trades at 11.8 times trailing earnings, COFS at 18.3 times.
Which stock performed better over the last six months, BSRR or COFS?
Over the last six months COFS returned +18.0% and BSRR +14.8%.
Which one does Intratio's AI model rank higher, BSRR or COFS?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.