COMP <GO>
BSRR vs COFS // FREE CASH FLOW YIELD
Sierra Bancorp (NASDAQ) VS. ChoiceOne Financial Services Inc. (NASDAQ) • 15-METRIC TALLY: BSRR 4
— COFS 3
▲ FREE CASH FLOW YIELD LEADER: BSRR
LAST: $42.43 (+0.21%) • MKT CAP: $550.2M
fcf-yield
5.85%
LAST: $35.00 (+1.72%) • MKT CAP: $523.4M
fcf-yield
4.81%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BSRR VS. COFS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BSRR | COFS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.60% | 6.10% | +5.50 | BSRR | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 5.85% | 4.81% | +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 | 2.50% | 3.24% | -0.74 | 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 | 60.8 | 69.7 | -8.88 | COFS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.1x | 15.6x | -3.50 | BSRR | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $550.2M | $523.4M | $26.7M | BSRR | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BSRR REV | COFS REV | BSRR GROSS % | COFS GROSS % | BSRR FCF | COFS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $227.6M | — | — | $32.2M | $25.2M |
| FY 2024 | $0 | $139.1M | — | — | $56.0M | $45.4M |
| FY 2023 | $0 | $113.9M | — | — | $53.2M | $46.3M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BSRR // BETA —
COFS // BETA —