Choiceone Financial Services vs Five Star Bancorp
Choiceone Financial Services is the larger business, with $228m of revenue in fiscal 2025 against $158m for Five Star Bancorp (1.4 times as much). Choiceone Financial Services grew faster (63.6% against 25.6%). Five Star Bancorp kept more of each dollar of sales as profit: a net margin of 38.9% against 12.4%.
| Latest fiscal year | Choiceone Financial ServicesCOFS, 2025 | Five Star BancorpFSBC, 2025 |
|---|---|---|
| Revenue | $228m | $158m |
| Revenue growth | 63.6% | 25.6% |
| Net income | $28.2m | $61.6m |
| Operating margin | — | — |
| Net margin | 12.4% | 38.9% |
| Return on equity | 7.8% | 14.6% |
| Free cash flow | $25.2m | $71.4m |
| Cash | $88.0m | $507m |
| Total debt | $0 | $0 |
| Debt to equity | — | — |
| Dividend per share | $1.13 | $0.80 |
| Dividend yield | 3.2% | 2.0% |
| Share buybacks | $2.7m | — |
| Employees | 598 | 233 |
| Market value | $540m | $962m |
| Price vs our value range | — | — |
| Moat score | 53 (Moderate) | — |
| Insider trades, 12 months | 8 buys, 1 sales | 7 buys, 14 sales |