ChoiceOne Financial Services (COFS) Competitors $29.44 +0.01 (+0.03%) Closing price 04:00 PM EasternExtended Trading$29.42 -0.02 (-0.07%) As of 04:18 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock COFS vs. CASH, LOB, CCB, CLBK, BITF, LDI, MBIN, TFIN, QCRH, and BYShould you be buying ChoiceOne Financial Services stock or one of its competitors? The main competitors of ChoiceOne Financial Services include Pathward Financial (CASH), Live Oak Bancshares (LOB), Coastal Financial (CCB), Columbia Financial (CLBK), Bitfarms (BITF), loanDepot (LDI), Merchants Bancorp (MBIN), Triumph Financial (TFIN), QCR (QCRH), and Byline Bancorp (BY). These companies are all part of the "banking" industry. ChoiceOne Financial Services vs. Its Competitors Pathward Financial Live Oak Bancshares Coastal Financial Columbia Financial Bitfarms loanDepot Merchants Bancorp Triumph Financial QCR Byline Bancorp Pathward Financial (NASDAQ:CASH) and ChoiceOne Financial Services (NASDAQ:COFS) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their dividends, risk, valuation, earnings, institutional ownership, analyst recommendations, profitability and media sentiment. Which has preferable valuation and earnings, CASH or COFS? Pathward Financial has higher revenue and earnings than ChoiceOne Financial Services. Pathward Financial is trading at a lower price-to-earnings ratio than ChoiceOne Financial Services, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioPathward Financial$775.94M2.21$183.22M$7.569.94ChoiceOne Financial Services$123.52M3.58$26.73M$1.2623.37 Which has more risk & volatility, CASH or COFS? Pathward Financial has a beta of 0.64, indicating that its stock price is 36% less volatile than the S&P 500. Comparatively, ChoiceOne Financial Services has a beta of 0.59, indicating that its stock price is 41% less volatile than the S&P 500. Is CASH or COFS a better dividend stock? Pathward Financial pays an annual dividend of $0.20 per share and has a dividend yield of 0.3%. ChoiceOne Financial Services pays an annual dividend of $1.12 per share and has a dividend yield of 3.8%. Pathward Financial pays out 2.6% of its earnings in the form of a dividend. ChoiceOne Financial Services pays out 88.9% 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 has raised its dividend for 13 consecutive years. ChoiceOne Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth. Does the media refer more to CASH or COFS? In the previous week, Pathward Financial had 3 more articles in the media than ChoiceOne Financial Services. MarketBeat recorded 4 mentions for Pathward Financial and 1 mentions for ChoiceOne Financial Services. ChoiceOne Financial Services' average media sentiment score of 1.89 beat Pathward Financial's score of 1.54 indicating that ChoiceOne Financial Services is being referred to more favorably in the news media. Company Overall Sentiment Pathward Financial Very Positive ChoiceOne Financial Services Very Positive Is CASH or COFS more profitable? Pathward Financial has a net margin of 22.23% compared to ChoiceOne Financial Services' net margin of 7.95%. Pathward Financial's return on equity of 22.53% beat ChoiceOne Financial Services' return on equity.Company Net Margins Return on Equity Return on Assets Pathward Financial22.23% 22.53% 2.46% ChoiceOne Financial Services 7.95%11.26%1.09% Do analysts recommend CASH or COFS? Pathward Financial currently has a consensus target price of $91.00, suggesting a potential upside of 21.06%. ChoiceOne Financial Services has a consensus target price of $37.00, suggesting a potential upside of 25.68%. Given ChoiceOne Financial Services' stronger consensus rating and higher possible upside, analysts clearly believe ChoiceOne Financial Services is more favorable than Pathward Financial.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Pathward Financial 0 Sell rating(s) 1 Hold rating(s) 1 Buy rating(s) 0 Strong Buy rating(s) 2.50ChoiceOne Financial Services 0 Sell rating(s) 1 Hold rating(s) 3 Buy rating(s) 0 Strong Buy rating(s) 2.75 Do institutionals and insiders hold more shares of CASH or COFS? 92.7% of Pathward Financial shares are held by institutional investors. Comparatively, 19.9% of ChoiceOne Financial Services shares are held by institutional investors. 1.2% of Pathward Financial shares are held by company insiders. Comparatively, 5.9% of ChoiceOne Financial Services shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term. SummaryPathward Financial beats ChoiceOne Financial Services on 10 of the 19 factors compared between the two stocks. Get ChoiceOne Financial Services News Delivered to You Automatically Sign up to receive the latest news and ratings for COFS and its competitors with MarketBeat's FREE daily newsletter. Subscribe Now View SMS TermsBy entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?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. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?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.Skip Chart COFS vs. The Competition Export to ExcelMetricChoiceOne Financial ServicesFIN IndustryFinance SectorNASDAQ ExchangeMarket Cap$442.04M$7.84B$12.57B$10.29BDividend Yield3.79%4.74%5.44%4.62%P/E Ratio23.3717.04238.9326.11Price / Sales3.587.1831.66171.31Price / Cash6.6127.6922.7761.52Price / Book1.012.962.276.30Net Income$26.73M$313.53M$1.01B$271.03M7 Day Performance-2.97%-1.03%-1.15%-0.15%1 Month Performance-3.57%7.56%1.15%6.41%1 Year Performance-3.48%28.15%540.31%28.81% ChoiceOne Financial Services Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)COFSChoiceOne Financial Services4.1234 of 5 stars$29.44+0.0%$37.00+25.7%-4.5%$442.04M$123.52M23.37380Positive NewsCASHPathward Financial3.3837 of 5 stars$74.24-1.2%$91.00+22.6%+14.4%$1.69B$775.94M9.821,244Positive NewsLOBLive Oak Bancshares2.094 of 5 stars$36.29-0.3%N/AN/A$1.66B$936.15M29.751,052CCBCoastal Financial3.8966 of 5 stars$108.19-0.8%$110.25+1.9%+121.9%$1.63B$416.18M33.29380Analyst ForecastCLBKColumbia Financial0.8186 of 5 stars$15.38+0.5%$16.00+4.1%-9.0%$1.61B$199.64M256.17750BITFBitfarms2.5248 of 5 stars$2.86+15.1%$3.95+38.4%+25.8%$1.58B$192.88M-16.68110News CoverageOptions VolumeGap DownHigh Trading VolumeLDIloanDepot0.9144 of 5 stars$4.54+0.5%$2.30-49.4%+18.5%$1.48B$871.73M-13.564,900Options VolumeGap DownHigh Trading VolumeMBINMerchants Bancorp4.0562 of 5 stars$31.40-2.5%$38.33+22.1%-28.4%$1.44B$1.45B6.90480TFINTriumph Financial3.3336 of 5 stars$58.23-1.6%$70.75+21.5%-33.8%$1.38B$419.01M132.341,430Positive NewsQCRHQCR3.7207 of 5 stars$77.86-0.7%$87.38+12.2%+5.1%$1.31B$329.61M11.671,013Positive NewsBYByline Bancorp4.0983 of 5 stars$28.32-1.5%$33.25+17.4%+6.7%$1.30B$624.78M10.571,027Positive News Related Companies and Tools Related Companies Pathward Financial Competitors Live Oak Bancshares Competitors Coastal Financial Competitors Columbia Financial Competitors Bitfarms Competitors loanDepot Competitors Merchants Bancorp Competitors Triumph Financial Competitors QCR Competitors Byline Bancorp Competitors Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:COFS) was last updated on 9/25/2025 by MarketBeat.com Staff From Our PartnersTrump’s national nightmare is herePorter Stansberry and Jeff Brown say a new U.S. national emergency is already underway — and it could trigger ...Porter & Company | SponsoredHe Called Nvidia at $1.10. 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