Which has the lower trailing P/E, BWFG or COFS?

COFS has the lower trailing P/E: BWFG trades at 12.32 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, BWFG or COFS?

Over the past five years, BWFG grew revenue faster — BWFG at a 21.58% CAGR versus COFS at 16.92%.

Does BWFG or COFS pay a bigger dividend?

BWFG yields 1.21% and COFS yields 3.51% based on trailing dividends and the latest price.

Is BWFG or COFS more profitable?

COFS runs the higher net margin — BWFG at 19.78% versus COFS at 29.96%.

How have BWFG and COFS total returns compared?

Over the past 10 years, BWFG delivered 13.12% and COFS delivered 8.94% annualized total return. Past performance doesn't predict future results.

Bankwell Financial Group, Inc. (BWFG) vs ChoiceOne Financial Services, Inc. (COFS)

A side-by-side comparison of Bankwell Financial Group, Inc. 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.

BWFG

Bankwell Financial Group, Inc.

$527M

$66.15Financial ServicesDelayed quote: Oct 5, 2026, 4:00 PM EDT

COFS

ChoiceOne Financial Services, Inc.

$494M

$33.05Financial ServicesDelayed quote: Oct 5, 2026, 4:00 PM EDT

Total return — BWFG vs COFS

growth of $100 · dividends reinvested · last 10y

BWFG +241.0% (+13.1%/yr)COFS +135.5% (+8.9%/yr)BWFG compounded faster over this window

BWFG COFS

BWFG vs COFS: by the numbers

•BWFG is the larger company ($527M vs $494M market cap).
•COFS trades at the lower trailing earnings multiple (9.10 vs 12.32 P/E), one valuation lens rather than an overall verdict.
•COFS converts more revenue to profit (29.96% vs 19.78% net margin).
•BWFG grew revenue faster over the past five years (21.58% vs 16.92% CAGR).
•COFS pays the higher dividend yield (3.51% vs 1.21%).

Metrics side by side

Valuation

Metric	BWFG	COFS
P/E ratio	12.32	9.10
Forward P/E	11.46	8.93
PEG ratio	0.29	N/A
P/S ratio	2.43	2.71
P/B ratio	1.63	1.02

Profitability

Metric	BWFG	COFS
Operating margin	26.96%	19.22%
Net margin	19.78%	29.96%
ROE	13.25%	11.34%

Bankwell Financial Group, 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.

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	BWFG	COFS
Dividend yield	1.21%	3.51%
Payout ratio	14.90%	31.96%

Growth (annualized)

Metric	BWFG	COFS
Revenue CAGR (5Y)	21.58%	16.92%
EPS CAGR (5Y)	43.04%	-0.58%
Total return CAGR (5Y)	20.07%	10.47%

Frequently asked

Which has the lower trailing P/E, BWFG or COFS?: COFS has the lower trailing P/E: BWFG trades at 12.32 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, BWFG or COFS?: Over the past five years, BWFG grew revenue faster — BWFG at a 21.58% CAGR versus COFS at 16.92%.
Does BWFG or COFS pay a bigger dividend?: BWFG yields 1.21% and COFS yields 3.51% based on trailing dividends and the latest price.
Is BWFG or COFS more profitable?: COFS runs the higher net margin — BWFG at 19.78% versus COFS at 29.96%.
How have BWFG and COFS total returns compared?: Over the past 10 years, BWFG delivered 13.12% and COFS delivered 8.94% annualized total return. Past performance doesn't predict future results.

Go deeper

Full BWFG analysis Full COFS analysis Interactive comparison tool

Dig into the metrics

Bankwell Financial P/E ratio ChoiceOne Financial Services P/E ratio Bankwell Financial dividend yield ChoiceOne Financial Services dividend yield Bankwell Financial ROE ChoiceOne Financial Services ROE Bankwell Financial operating margin ChoiceOne Financial Services operating margin Bankwell Financial revenue growth ChoiceOne Financial Services revenue growth

Bankwell Financial & ChoiceOne Financial Services appear in these rankings

Highest Dividend Yield Stocks Fastest Revenue Growth Stocks Highest 10-Year Total Return Stocks Lowest P/E Ratio Stocks

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.