COFS vs FFWM

Comparison between Choiceone Financial Services Inc (COFS, Company) and First Foundation Inc. (FFWM, Company).

Both COFS and FFWM are from the Financial Services sector.

5-Year PerformanceCOFS has outperformed FFWM, delivering a return of +9.7% compared to -23.5%

COFS vs FFWM - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	COFS(COMPANY)	FFWM(COMPANY)
Market Cap	$487M	$489M
Max Drawdown	78.60%	86.98%
Sharpe Ratio	0.43	0.43
5Y Beta	0.75	N/A
Industry	Banks - Regional	Banks - Regional
P/E Ratio	8.76	-3.14
Forward P/E	7.79	11.57
PEG Ratio	0.06	-0.07
Dividend Yield	3.52%	N/A
5Y Dividends CAGR	11.07%	6.96%
5Y EPS CAGR	9.98%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	6.32%	-7.20%
P/S Ratio	2.84	N/A
P/B Ratio	1.01	N/A

Market Cap

COFS

$487M

Winner

FFWM

$489M

Max Drawdown

Winner

COFS

78.60%

FFWM

86.98%

Sharpe Ratio

COFS

0.43

Winner

FFWM

0.43

5Y Beta

COFS

0.75

FFWM

N/A

Industry

COFS

Banks - Regional

FFWM

Banks - Regional

P/E Ratio

COFS

8.76

Winner

FFWM

-3.14

Forward P/E

Winner

COFS

7.79

FFWM

11.57

PEG Ratio

COFS

0.06

Winner

FFWM

-0.07

Dividend Yield

COFS

3.52%

FFWM

N/A

5Y Dividends CAGR

Winner

COFS

11.07%

FFWM

6.96%

5Y EPS CAGR

COFS

9.98%

FFWM

N/A

Debt to Equity

COFS

0.00%

FFWM

0.00%

Free Cash Flow Yield

Winner

COFS

6.32%

FFWM

-7.20%

P/S Ratio

COFS

2.84

FFWM

N/A

P/B Ratio

COFS

1.01

FFWM

N/A

COFS vs FFWM - Historical Returns

Returns include dividend reinvestment.

Period	COFS	FFWM
1 month	+5.51%	-1.01%
3 months	+18.75%	-4.22%
6 months	+4.13%	+6.50%
1 year	+14.74%	+13.03%
5 years(CAGR)	+9.72%	-23.49%
10 years(CAGR)	+8.03%	-5.41%
Max(CAGR)	+8.02%	-3.20%

Winner

COFS

+5.51%

FFWM

-1.01%

Winner

COFS

+18.75%

FFWM

-4.22%

COFS

+4.13%

Winner

FFWM

+6.50%

Winner

COFS

+14.74%

FFWM

+13.03%

5Y(CAGR)

Winner

COFS

+9.72%

FFWM

-23.49%

10Y(CAGR)

Winner

COFS

+8.03%

FFWM

-5.41%

Max(CAGR)

Winner

COFS

+8.02%

FFWM

-3.20%

COFS vs FFWM - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	COFS	FFWM
2026	+13.62%	-4.53%
2025	-11.48%	+1.82%
2024	+21.81%	-34.72%
2023	+8.95%	-31.29%
2022	+17.81%	-42.99%
2021	-5.48%	+27.43%
2020	+0.43%	+18.16%
2019	+31.46%	+31.84%
2018	+13.41%	-30.18%
2017	+3.20%	+30.89%
2016	+2.82%	+22.16%
2015	+6.50%	+30.04%
2014	+38.72%	-2.79%
2013	+22.94%	N/A
2012	+22.04%	N/A
2011	+6.64%	N/A
2010	+38.47%	N/A
2009	+16.12%	N/A
2008	-28.78%	N/A
2007	-25.89%	N/A
2006	-4.00%	N/A
2005	-16.81%	N/A
2004	+39.39%	N/A
2003	+24.87%	N/A
2002	+12.71%	N/A
2001	+0.00%	N/A

COFS vs FFWM Drawdown Comparison

The maximum drawdown for COFS was -73.96%, occurring on Jan 26, 2009. Recovery took 1560 trading sessions.

The maximum drawdown for FFWM was -86.54%, occurring on May 16, 2023. This drawdown has not yet recovered.

The current COFS drawdown is -8.64%. The current FFWM drawdown is -78.90%.

Rank	COFS	FFWM
#1	-73.96% Oct 29, 2004 - Jan 12, 2011	-86.54% Nov 10, 2021 - May 16, 2023
#2	-49.04% Feb 14, 2020 - Dec 13, 2023	-58.11% Jun 21, 2018 - Nov 24, 2020
#3	-46.43% Jan 12, 2011 - Feb 24, 2014	-17.91% Dec 17, 2015 - Aug 5, 2016
#4	-32.06% Dec 5, 2024 - Apr 11, 2025	-16.82% May 14, 2021 - Sep 24, 2021
#5	-29.43% Dec 26, 2023 - Jul 16, 2024	-13.40% Feb 21, 2017 - Jul 26, 2017
#6	-18.66% Jul 16, 2024 - Sep 19, 2024	-12.00% Nov 10, 2014 - Jul 20, 2015
#7	-17.68% Oct 11, 2002 - Jan 30, 2003	-11.29% Nov 24, 2020 - Dec 23, 2020
#8	-17.49% Jan 30, 2003 - May 8, 2003	-11.18% Sep 15, 2015 - Dec 17, 2015
#9	-17.17% Aug 21, 2018 - May 16, 2019	-9.70% Oct 25, 2017 - Jan 19, 2018
#10	-13.79% Mar 13, 2002 - May 6, 2002	-9.60% Mar 10, 2021 - May 13, 2021
#11	-10.87% Aug 13, 2004 - Oct 29, 2004	-9.36% Jan 31, 2018 - Mar 16, 2018
#12	-9.79% Jun 29, 2016 - Dec 6, 2016	-8.26% Mar 19, 2018 - Jun 1, 2018
#13	-8.89% Jan 11, 2017 - Dec 21, 2017	-8.07% Jul 27, 2017 - Sep 27, 2017
#14	-8.69% Sep 19, 2024 - Oct 24, 2024	-7.18% Dec 15, 2016 - Feb 3, 2017
#15	-7.95% Nov 17, 2015 - Jun 29, 2016	-6.91% Aug 6, 2015 - Sep 9, 2015

Correlation

Correlation between COFS and FFWM is -0.31 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.31

-101

Dividend Comparison (2002 - 2026)

COFS vs FFWM dividend yield comparison.

Year	COFS	FFWM
2026	0.89%	0.00%
2025	3.83%	0.00%
2024	3.06%	0.32%
2023	3.58%	1.65%
2022	3.48%	3.07%
2021	3.55%	1.45%
2020	2.66%	1.40%
2019	2.50%	1.15%
2018	2.85%	0.00%
2017	2.86%	0.00%
2016	2.86%	0.00%
2015	2.77%	0.00%
2014	2.57%	0.00%
2013	3.16%	0.00%
2012	3.46%	0.00%
2011	3.92%	0.00%
2010	3.00%	0.00%
2009	5.33%	0.00%
2008	8.19%	0.00%
2007	5.44%	0.00%
2006	3.84%	0.00%
2005	3.68%	0.00%
2004	2.96%	0.00%
2003	3.99%	0.00%
2002	4.70%	0.00%