COFS vs PBPB

Comparison between Choiceone Financial Services Inc (COFS, Company) and Potbelly Corp (PBPB, Company).

COFS is from the Financial Services sector, while PBPB is from the Consumer Cyclical sector.

5-Year PerformancePBPB has outperformed COFS, delivering a return of +34.4% compared to +10.7%

COFS vs PBPB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	COFS(COMPANY)	PBPB(COMPANY)
Market Cap	$526M	$527M
Max Drawdown	78.60%	94.51%
Sharpe Ratio	0.61	1.37
5Y Beta	0.71	N/A
Industry	Banks - Regional	Restaurants
P/E Ratio	9.45	48.95
Forward P/E	7.79	N/A
PEG Ratio	0.07	N/A
Dividend Yield	3.41%	N/A
5Y Dividends CAGR	5.98%	N/A
5Y EPS CAGR	8.92%	N/A
Debt to Equity	0.00%	N/A
Free Cash Flow Yield	5.86%	N/A
P/S Ratio	2.95	1.12
P/B Ratio	1.07	8.60

Market Cap

COFS

$526M

Winner

PBPB

$527M

Max Drawdown

Winner

COFS

78.60%

PBPB

94.51%

Sharpe Ratio

COFS

0.61

Winner

PBPB

1.37

5Y Beta

COFS

0.71

PBPB

N/A

Industry

COFS

Banks - Regional

PBPB

Restaurants

P/E Ratio

Winner

COFS

9.45

PBPB

48.95

Forward P/E

COFS

7.79

PBPB

N/A

PEG Ratio

COFS

0.07

PBPB

N/A

Dividend Yield

COFS

3.41%

PBPB

N/A

5Y Dividends CAGR

COFS

5.98%

PBPB

N/A

5Y EPS CAGR

COFS

8.92%

PBPB

N/A

Debt to Equity

COFS

0.00%

PBPB

N/A

Free Cash Flow Yield

COFS

5.86%

PBPB

N/A

P/S Ratio

COFS

2.95

Winner

PBPB

1.12

P/B Ratio

Winner

COFS

1.07

PBPB

8.60

COFS vs PBPB - Historical Returns

Returns include dividend reinvestment.

Period	COFS	PBPB
1 month	+3.03%	+0.62%
3 months	+12.58%	+31.90%
6 months	+19.06%	+109.55%
1 year	+17.95%	+114.81%
5 years(CAGR)	+10.65%	+34.36%
10 years(CAGR)	+8.38%	+4.17%
Max(CAGR)	+8.17%	-4.75%

Winner

COFS

+3.03%

PBPB

+0.62%

COFS

+12.58%

Winner

PBPB

+31.90%

COFS

+19.06%

Winner

PBPB

+109.55%

COFS

+17.95%

Winner

PBPB

+114.81%

5Y(CAGR)

COFS

+10.65%

Winner

PBPB

+34.36%

10Y(CAGR)

Winner

COFS

+8.38%

PBPB

+4.17%

Max(CAGR)

Winner

COFS

+8.17%

PBPB

-4.75%

COFS vs PBPB - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	COFS	PBPB
2026	+18.53%	N/A
2025	-11.48%	+82.71%
2024	+21.81%	-6.27%
2023	+8.95%	+89.45%
2022	+17.81%	-3.30%
2021	-5.48%	+28.28%
2020	+0.43%	+3.77%
2019	+31.46%	-47.45%
2018	+13.41%	-36.61%
2017	+3.20%	-7.87%
2016	+2.82%	+10.63%
2015	+6.50%	-11.02%
2014	+38.72%	-46.46%
2013	+22.94%	-21.09%
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 PBPB Drawdown Comparison

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

The maximum drawdown for PBPB was -94.51%, occurring on May 26, 2020. This drawdown has not yet recovered.

The current COFS drawdown is -4.69%. The current PBPB drawdown is -47.16%.

Rank	COFS	PBPB
#1	-73.96% Oct 29, 2004 - Jan 12, 2011	-94.51% Oct 7, 2013 - May 26, 2020
#2	-49.04% Feb 14, 2020 - Dec 13, 2023	N/A
#3	-46.43% Jan 12, 2011 - Feb 24, 2014	N/A
#4	-32.06% Dec 5, 2024 - Apr 11, 2025	N/A
#5	-29.43% Dec 26, 2023 - Jul 16, 2024	N/A
#6	-18.66% Jul 16, 2024 - Sep 19, 2024	N/A
#7	-17.68% Oct 11, 2002 - Jan 30, 2003	N/A
#8	-17.49% Jan 30, 2003 - May 8, 2003	N/A
#9	-17.17% Aug 21, 2018 - May 16, 2019	N/A
#10	-13.79% Mar 13, 2002 - May 6, 2002	N/A
#11	-10.87% Aug 13, 2004 - Oct 29, 2004	N/A
#12	-9.79% Jun 29, 2016 - Dec 6, 2016	N/A
#13	-8.89% Jan 11, 2017 - Dec 21, 2017	N/A
#14	-8.69% Sep 19, 2024 - Oct 24, 2024	N/A
#15	-7.95% Nov 17, 2015 - Jun 29, 2016	N/A

Correlation

Correlation between COFS and PBPB is -0.50 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.50

-101