Sierra Bancorp (BSRR) vs ChoiceOne Financial Services, Inc. (COFS)
A side-by-side comparison of Sierra Bancorp and ChoiceOne Financial Services, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — BSRR vs COFS
growth of $100 · dividends reinvested · last 10yBSRR vs COFS: by the numbers
- •BSRR is the larger company ($515M vs $494M market cap).
- •COFS trades at the lower trailing earnings multiple (9.10 vs 11.55 P/E), one valuation lens rather than an overall verdict.
- •COFS converts more revenue to profit (29.96% vs 22.63% net margin).
- •COFS grew revenue faster over the past five years (16.92% vs 7.86% CAGR).
- •COFS pays the higher dividend yield (3.51% vs 2.64%).
Metrics side by side
Valuation
| Metric | BSRR | COFS |
|---|---|---|
| P/E ratio | 11.55 | 9.10 |
| Forward P/E | 11.08 | 8.93 |
| PEG ratio | 1.91 | N/A |
| P/S ratio | 2.59 | 2.71 |
| P/B ratio | 1.40 | 1.02 |
Profitability
| Metric | BSRR | COFS |
|---|---|---|
| Operating margin | 30.09% | 19.22% |
| Net margin | 22.63% | 29.96% |
| ROE | 12.27% | 11.34% |
Sierra Bancorp: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
ChoiceOne Financial Services, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | BSRR | COFS |
|---|---|---|
| Dividend yield | 2.64% | 3.51% |
| Payout ratio | 30.50% | 31.96% |
Growth (annualized)
| Metric | BSRR | COFS |
|---|---|---|
| Revenue CAGR (5Y) | 7.86% | 16.92% |
| EPS CAGR (5Y) | 6.15% | -0.58% |
| Total return CAGR (5Y) | 14.28% | 10.47% |
Frequently asked
- Which has the lower trailing P/E, BSRR or COFS?
- COFS has the lower trailing P/E: BSRR trades at 11.55 and COFS at 9.10. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, BSRR or COFS?
- Over the past five years, COFS grew revenue faster — BSRR at a 7.86% CAGR versus COFS at 16.92%.
- Does BSRR or COFS pay a bigger dividend?
- BSRR yields 2.64% and COFS yields 3.51% based on trailing dividends and the latest price.
- Is BSRR or COFS more profitable?
- COFS runs the higher net margin — BSRR at 22.63% versus COFS at 29.96%.
- How have BSRR and COFS total returns compared?
- Over the past 10 years, BSRR delivered 11.50% and COFS delivered 8.94% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Sierra Bancorp & ChoiceOne Financial Services appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.