COFS vs. FFNW, CZFS, CBAN, CALB, BWFG, SBNY, NWFL, PKBK, OVLY, and CHMG
Should you be buying ChoiceOne Financial Services stock or one of its competitors? The main competitors of ChoiceOne Financial Services include First Financial Northwest (FFNW), Citizens Financial Services (CZFS), Colony Bankcorp (CBAN), California BanCorp (CALB), Bankwell Financial Group (BWFG), Signature Bank (SBNY), Norwood Financial (NWFL), Parke Bancorp (PKBK), Oak Valley Bancorp (OVLY), and Chemung Financial (CHMG). These companies are all part of the "state commercial banks" industry.
First Financial Northwest (NASDAQ:FFNW) and ChoiceOne Financial Services (NASDAQ:COFS) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their earnings, profitability, analyst recommendations, valuation, institutional ownership, community ranking, media sentiment, risk and dividends.
First Financial Northwest received 212 more outperform votes than ChoiceOne Financial Services when rated by MarketBeat users. Likewise, 61.81% of users gave First Financial Northwest an outperform vote while only 0.00% of users gave ChoiceOne Financial Services an outperform vote.
First Financial Northwest pays an annual dividend of $0.52 per share and has a dividend yield of 2.5%. ChoiceOne Financial Services pays an annual dividend of $1.08 per share and has a dividend yield of 4.3%. First Financial Northwest pays out 157.6% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. ChoiceOne Financial Services pays out 38.4% of its earnings in the form of a dividend. First Financial Northwest has increased its dividend for 7 consecutive years and ChoiceOne Financial Services has increased its dividend for 12 consecutive years. ChoiceOne Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
ChoiceOne Financial Services has a net margin of 17.53% compared to ChoiceOne Financial Services' net margin of 3.78%. First Financial Northwest's return on equity of 11.47% beat ChoiceOne Financial Services' return on equity.
First Financial Northwest has a beta of 0.53, indicating that its stock price is 47% less volatile than the S&P 500. Comparatively, ChoiceOne Financial Services has a beta of 0.68, indicating that its stock price is 32% less volatile than the S&P 500.
First Financial Northwest currently has a consensus target price of $23.00, suggesting a potential upside of 10.63%. ChoiceOne Financial Services has a consensus target price of $24.00, suggesting a potential downside of 3.58%. Given ChoiceOne Financial Services' stronger consensus rating and higher probable upside, equities analysts plainly believe First Financial Northwest is more favorable than ChoiceOne Financial Services.
In the previous week, First Financial Northwest had 9 more articles in the media than ChoiceOne Financial Services. MarketBeat recorded 10 mentions for First Financial Northwest and 1 mentions for ChoiceOne Financial Services. ChoiceOne Financial Services' average media sentiment score of 0.53 beat First Financial Northwest's score of 0.00 indicating that First Financial Northwest is being referred to more favorably in the media.
55.0% of First Financial Northwest shares are owned by institutional investors. Comparatively, 19.9% of ChoiceOne Financial Services shares are owned by institutional investors. 7.2% of First Financial Northwest shares are owned by insiders. Comparatively, 7.9% of ChoiceOne Financial Services shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
ChoiceOne Financial Services has higher revenue and earnings than First Financial Northwest. ChoiceOne Financial Services is trading at a lower price-to-earnings ratio than First Financial Northwest, indicating that it is currently the more affordable of the two stocks.
Summary
ChoiceOne Financial Services beats First Financial Northwest on 11 of the 21 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding COFS and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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