ChoiceOne Financial Services (COFS) Competitors $27.80 -0.35 (-1.24%) Closing price 10/15/2025 04:00 PM EasternExtended Trading$27.80 +0.00 (+0.02%) As of 10/15/2025 07:02 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, CCB, BBAR, LOB, CLBK, MBIN, HIVE, BFC, CNOB, and QCRHShould you be buying ChoiceOne Financial Services stock or one of its competitors? The main competitors of ChoiceOne Financial Services include Pathward Financial (CASH), Coastal Financial (CCB), BBVA Banco Frances (BBAR), Live Oak Bancshares (LOB), Columbia Financial (CLBK), Merchants Bancorp (MBIN), HIVE Digital Technologies (HIVE), Bank First National (BFC), ConnectOne Bancorp (CNOB), and QCR (QCRH). These companies are all part of the "banking" industry. ChoiceOne Financial Services vs. Its Competitors Pathward Financial Coastal Financial BBVA Banco Frances Live Oak Bancshares Columbia Financial Merchants Bancorp HIVE Digital Technologies Bank First National ConnectOne Bancorp QCR ChoiceOne Financial Services (NASDAQ:COFS) and Pathward Financial (NASDAQ:CASH) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their analyst recommendations, valuation, risk, media sentiment, institutional ownership, dividends, profitability and earnings. Do institutionals & insiders have more ownership in COFS or CASH? 19.9% of ChoiceOne Financial Services shares are held by institutional investors. Comparatively, 92.7% of Pathward Financial shares are held by institutional investors. 5.9% of ChoiceOne Financial Services shares are held by company insiders. Comparatively, 1.2% of Pathward Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term. Do analysts prefer COFS or CASH? ChoiceOne Financial Services presently has a consensus price target of $37.00, suggesting a potential upside of 33.09%. Pathward Financial has a consensus price target of $91.00, suggesting a potential upside of 20.42%. Given ChoiceOne Financial Services' higher probable upside, research analysts clearly believe ChoiceOne Financial Services is more favorable than Pathward Financial.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score ChoiceOne Financial Services 0 Sell rating(s) 2 Hold rating(s) 3 Buy rating(s) 0 Strong Buy rating(s) 2.60Pathward Financial 0 Sell rating(s) 1 Hold rating(s) 2 Buy rating(s) 0 Strong Buy rating(s) 2.67 Which has more risk & volatility, COFS or CASH? ChoiceOne Financial Services has a beta of 0.55, suggesting that its stock price is 45% less volatile than the S&P 500. Comparatively, Pathward Financial has a beta of 0.62, suggesting that its stock price is 38% less volatile than the S&P 500. Is COFS or CASH a better dividend stock? ChoiceOne Financial Services pays an annual dividend of $1.12 per share and has a dividend yield of 4.0%. Pathward Financial pays an annual dividend of $0.20 per share and has a dividend yield of 0.3%. 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. Pathward Financial pays out 2.6% of its earnings in the form of a dividend. 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. Which has stronger valuation & earnings, COFS or CASH? 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 RatioChoiceOne Financial Services$139.10M3.00$26.73M$1.2622.06Pathward Financial$775.94M2.22$183.22M$7.5610.00 Does the media refer more to COFS or CASH? In the previous week, Pathward Financial had 1 more articles in the media than ChoiceOne Financial Services. MarketBeat recorded 4 mentions for Pathward Financial and 3 mentions for ChoiceOne Financial Services. ChoiceOne Financial Services' average media sentiment score of 0.62 beat Pathward Financial's score of 0.58 indicating that ChoiceOne Financial Services is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment ChoiceOne Financial Services 0 Very Positive mention(s) 1 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Pathward Financial 0 Very Positive mention(s) 2 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Is COFS or CASH 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 ChoiceOne Financial Services7.95% 11.26% 1.09% Pathward Financial 22.23%22.53%2.46% SummaryPathward Financial beats ChoiceOne Financial Services on 11 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$422.67M$8.03B$12.66B$10.46BDividend Yield3.98%4.89%5.56%4.77%P/E Ratio22.0616.5330.0027.36Price / Sales3.006.9430.43135.57Price / Cash6.3031.4422.8061.86Price / Book0.962.812.326.81Net Income$26.73M$310.95M$1.02B$276.80M7 Day Performance-0.54%0.52%0.27%0.42%1 Month Performance-6.37%4.52%-0.10%7.86%1 Year Performance-11.55%22.71%535.69%41.24% ChoiceOne Financial Services Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)COFSChoiceOne Financial Services3.9065 of 5 stars$27.80-1.2%$37.00+33.1%-10.0%$422.67M$139.10M22.06380News CoverageUpcoming EarningsCASHPathward Financial3.3222 of 5 stars$74.54+0.7%$91.00+22.1%+2.9%$1.70B$775.94M9.891,244Upcoming EarningsCCBCoastal Financial3.9877 of 5 stars$108.60-3.2%$116.20+7.0%+82.4%$1.65B$416.18M33.54380Analyst ForecastBBARBBVA Banco Frances4.9275 of 5 stars$7.98-4.7%$20.67+159.1%-21.0%$1.63B$4.86B5.976,289Dividend CutGap UpLOBLive Oak Bancshares4.3639 of 5 stars$35.33-0.2%$45.00+27.4%-26.6%$1.62B$516.93M24.39960Positive NewsCLBKColumbia Financial0.7248 of 5 stars$14.87-3.2%$16.00+7.6%-15.7%$1.56B$199.64M247.83750News CoverageUpcoming EarningsMBINMerchants Bancorp4.3614 of 5 stars$32.09-0.4%$40.00+24.7%-30.4%$1.47B$664.66M7.04480Positive NewsHIVEHIVE Digital Technologies1.1346 of 5 stars$6.21+11.4%$7.00+12.8%+104.5%$1.46B$115.28M-30.9220Analyst ForecastGap UpHigh Trading VolumeBFCBank First National2.604 of 5 stars$132.09-0.5%$133.50+1.1%+43.4%$1.30B$162.47M19.12330Upcoming EarningsCNOBConnectOne Bancorp4.7624 of 5 stars$25.53-2.9%$30.25+18.5%-4.6%$1.29B$534.62M29.39520News CoverageUpcoming EarningsQCRHQCR4.3148 of 5 stars$75.36-1.0%$87.38+15.9%-10.7%$1.28B$329.61M11.331,013Upcoming Earnings Related Companies and Tools Related Companies Pathward Financial Competitors Coastal Financial Competitors BBVA Banco Frances Competitors Live Oak Bancshares Competitors Columbia Financial Competitors Merchants Bancorp Competitors HIVE Digital Technologies Competitors Bank First National Competitors ConnectOne Bancorp Competitors QCR 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 10/16/2025 by MarketBeat.com Staff From Our PartnersGenerate up to $5,000/month with 10X less money?The secret to retiring without a million-dollar nest egg. 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