` Comparison: COFS, MTB - Alpha Spread

COFS
vs
MTB

Over the past 12 months, COFS has underperformed MTB, delivering a return of -8% compared to the MTB's +10% growth.

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COFS
MTB
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Stocks Compared:
COFS MTB
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Valuation Comparison

COFS Intrinsic Value
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MTB Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
ChoiceOne Financial Services Inc
NASDAQ:COFS
31.94 USD
M&T Bank Corp
NYSE:MTB
204.09 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
COFS, MTB

COFS
MTB
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
ChoiceOne Financial Services Inc
Revenue
M&T Bank Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
COFS, MTB

COFS
MTB
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
ChoiceOne Financial Services Inc
NASDAQ:COFS
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

COFS
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
ChoiceOne Financial Services Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

COFS
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
ChoiceOne Financial Services Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

COFS
15%
MTB
27.3%

FCF Margin

COFS
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
ChoiceOne Financial Services Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

COFS
6.2%
MTB
9.1%

ROA

COFS
0.6%
MTB
1.2%

ROIC

COFS
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
ChoiceOne Financial Services Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

COFS
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
ChoiceOne Financial Services Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
COFS, MTB

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COFS
MTB
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Performance Gap
COFS, MTB

Performance Gap Between COFS and MTB
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Performance By Year
COFS, MTB

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COFS
MTB
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