COMP <GO>
COFS vs WTBA // RETURN ON INVESTED CAPITAL (ROIC)
ChoiceOne Financial Services Inc. (NASDAQ) VS. West Bancorporation (NASDAQ) • 15-METRIC TALLY: COFS 3
— WTBA 4
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: WTBA
LAST: $35.45 (+1.29%) • MKT CAP: $523.4M
roic
6.10%
LAST: $29.91 (-0.43%) • MKT CAP: $512.0M
roic
12.20%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (COFS VS. WTBA)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | COFS | WTBA | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 6.10% | 12.20% | -6.10 | WTBA | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 4.81% | 8.43% | -3.62 | WTBA | /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% | 3.30% | -0.06 | WTBA | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 5/9 | +1.00 | COFS | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 63.3 | 56.9 | +6.40 | COFS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 15.6x | 14.6x | +1.00 | WTBA | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $523.4M | $512.0M | $11.4M | COFS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | COFS REV | WTBA REV | COFS GROSS % | WTBA GROSS % | COFS FCF | WTBA FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $227.6M | $0 | — | — | $25.2M | $43.2M |
| FY 2024 | $139.1M | $0 | — | — | $45.4M | $13.7M |
| FY 2023 | $113.9M | $0 | — | — | $46.3M | $25.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
COFS // BETA —
WTBA // BETA —