ChoiceOne Financial Services (COFS) Competitors

ChoiceOne Financial Services (NASDAQ:COFS) and Customers Bancorp (NYSE:CUBI) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their profitability, analyst recommendations, institutional ownership, earnings, media sentiment, risk, dividends and valuation.

Does the media refer more to COFS or CUBI?

In the previous week, Customers Bancorp had 4 more articles in the media than ChoiceOne Financial Services. MarketBeat recorded 9 mentions for Customers Bancorp and 5 mentions for ChoiceOne Financial Services. Customers Bancorp's average media sentiment score of 0.89 beat ChoiceOne Financial Services' score of -0.49 indicating that Customers Bancorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
ChoiceOne Financial Services	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Neutral
Customers Bancorp	3 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do institutionals & insiders have more ownership in COFS or CUBI?

19.9% of ChoiceOne Financial Services shares are held by institutional investors. Comparatively, 89.3% of Customers Bancorp shares are held by institutional investors. 5.9% of ChoiceOne Financial Services shares are held by company insiders. Comparatively, 8.7% of Customers Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Is COFS or CUBI more profitable?

Customers Bancorp has a net margin of 10.51% compared to ChoiceOne Financial Services' net margin of 4.74%. Customers Bancorp's return on equity of 11.64% beat ChoiceOne Financial Services' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
ChoiceOne Financial Services	4.74%	10.93%	1.01%
Customers Bancorp	10.51%	11.64%	0.89%

Which has more risk & volatility, COFS or CUBI?

ChoiceOne Financial Services has a beta of 0.55, indicating that its stock price is 45% less volatile than the S&P 500. Comparatively, Customers Bancorp has a beta of 1.55, indicating that its stock price is 55% more volatile than the S&P 500.

Do analysts rate COFS or CUBI?

ChoiceOne Financial Services presently has a consensus price target of $37.00, suggesting a potential upside of 22.39%. Customers Bancorp has a consensus price target of $64.78, suggesting a potential downside of 1.78%. Given ChoiceOne Financial Services' stronger consensus rating and higher possible upside, equities research analysts plainly believe ChoiceOne Financial Services is more favorable than Customers Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
ChoiceOne Financial Services	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	3.00
Customers Bancorp	0 Sell rating(s)	5 Hold rating(s)	3 Buy rating(s)	1 Strong Buy rating(s)	2.56

Which has better earnings and valuation, COFS or CUBI?

Customers Bancorp has higher revenue and earnings than ChoiceOne Financial Services. Customers Bancorp 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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
ChoiceOne Financial Services	$139.10M	3.26	$26.73M	$1.23	24.58
Customers Bancorp	$1.39B	1.50	$181.47M	$3.97	16.61

Summary

Customers Bancorp beats ChoiceOne Financial Services on 11 of the 16 factors compared between the two stocks.