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ChoiceOne Financial Services (COFS) Competitors

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$32.48 -0.54 (-1.64%)
Closing price 10/9/2026 04:00 PM Eastern
Extended Trading
$32.47 -0.01 (-0.03%)
As of 10/9/2026 04:01 PM Eastern
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COFS vs. UCB, TBBK, GABC, FSUN, and RBCAA

Should you buy ChoiceOne Financial Services stock or one of its competitors? ChoiceOne Financial Services's main competitors and comparable companies include United Community Banks (UCB), Bancorp (TBBK), German American Bancorp (GABC), FirstSun Capital Bancorp (FSUN), and Republic Bancorp (RBCAA). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "regional banks" industry.

How does ChoiceOne Financial Services compare to United Community Banks?

ChoiceOne Financial Services (NASDAQ:COFS) and United Community Banks (NYSE:UCB) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their analyst recommendations, profitability, risk, institutional ownership, dividends, media sentiment, valuation and earnings.

United Community Banks has a net margin of 24.43% compared to ChoiceOne Financial Services' net margin of 22.77%. ChoiceOne Financial Services' return on equity of 12.04% beat United Community Banks' return on equity.

Company Net Margins Return on Equity Return on Assets
ChoiceOne Financial Services22.77% 12.04% 1.28%
United Community Banks 24.43%9.61%1.24%

ChoiceOne Financial Services pays an annual dividend of $1.16 per share and has a dividend yield of 3.6%. United Community Banks pays an annual dividend of $1.04 per share and has a dividend yield of 3.1%. ChoiceOne Financial Services pays out 32.0% of its earnings in the form of a dividend. United Community Banks pays out 34.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. ChoiceOne Financial Services has increased 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.

19.9% of ChoiceOne Financial Services shares are held by institutional investors. Comparatively, 82.3% of United Community Banks shares are held by institutional investors. 6.5% of ChoiceOne Financial Services shares are held by company insiders. Comparatively, 0.5% of United Community Banks shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

ChoiceOne Financial Services has a beta of 0.61, suggesting that its share price is 39% less volatile than the broader market. Comparatively, United Community Banks has a beta of 0.88, suggesting that its share price is 12% less volatile than the broader market.

United Community Banks has higher revenue and earnings than ChoiceOne Financial Services. ChoiceOne Financial Services is trading at a lower price-to-earnings ratio than United Community Banks, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
ChoiceOne Financial Services$227.62M2.13$28.18M$3.638.95
United Community Banks$1.09B3.71$328.10M$3.0411.00

In the previous week, ChoiceOne Financial Services and ChoiceOne Financial Services both had 1 articles in the media. ChoiceOne Financial Services' average media sentiment score of 1.16 beat United Community Banks' score of 0.57 indicating that ChoiceOne Financial Services is being referred to more favorably in the media.

Company Overall Sentiment
ChoiceOne Financial Services Positive
United Community Banks Positive

ChoiceOne Financial Services presently has a consensus target price of $36.50, suggesting a potential upside of 12.38%. United Community Banks has a consensus target price of $39.60, suggesting a potential upside of 18.40%. Given United Community Banks' stronger consensus rating and higher possible upside, analysts clearly believe United Community Banks is more favorable than ChoiceOne Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
ChoiceOne Financial Services
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67
United Community Banks
0 Sell rating(s)
3 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
2.75

Summary

United Community Banks beats ChoiceOne Financial Services on 11 of the 19 factors compared between the two stocks.

How does ChoiceOne Financial Services compare to Bancorp?

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

Bancorp has higher revenue and earnings than ChoiceOne Financial Services. ChoiceOne Financial Services is trading at a lower price-to-earnings ratio than Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
ChoiceOne Financial Services$227.62M2.13$28.18M$3.638.95
Bancorp$672.07M2.93$228.21M$5.329.07

In the previous week, Bancorp had 4 more articles in the media than ChoiceOne Financial Services. MarketBeat recorded 5 mentions for Bancorp and 1 mentions for ChoiceOne Financial Services. ChoiceOne Financial Services' average media sentiment score of 1.16 beat Bancorp's score of 0.62 indicating that ChoiceOne Financial Services is being referred to more favorably in the media.

Company Overall Sentiment
ChoiceOne Financial Services Positive
Bancorp Positive

19.9% of ChoiceOne Financial Services shares are owned by institutional investors. Comparatively, 96.2% of Bancorp shares are owned by institutional investors. 6.5% of ChoiceOne Financial Services shares are owned by company insiders. Comparatively, 6.0% of Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

ChoiceOne Financial Services has a beta of 0.61, meaning that its stock price is 39% less volatile than the broader market. Comparatively, Bancorp has a beta of 1.25, meaning that its stock price is 25% more volatile than the broader market.

ChoiceOne Financial Services currently has a consensus target price of $36.50, indicating a potential upside of 12.38%. Bancorp has a consensus target price of $69.33, indicating a potential upside of 43.70%. Given Bancorp's stronger consensus rating and higher possible upside, analysts clearly believe Bancorp is more favorable than ChoiceOne Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
ChoiceOne Financial Services
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67
Bancorp
0 Sell rating(s)
2 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
2.86

Bancorp has a net margin of 27.72% compared to ChoiceOne Financial Services' net margin of 22.77%. Bancorp's return on equity of 32.32% beat ChoiceOne Financial Services' return on equity.

Company Net Margins Return on Equity Return on Assets
ChoiceOne Financial Services22.77% 12.04% 1.28%
Bancorp 27.72%32.32%2.50%

Summary

Bancorp beats ChoiceOne Financial Services on 15 of the 17 factors compared between the two stocks.

How does ChoiceOne Financial Services compare to German American Bancorp?

German American Bancorp (NASDAQ:GABC) and ChoiceOne Financial Services (NASDAQ:COFS) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their analyst recommendations, earnings, dividends, institutional ownership, risk, profitability, valuation and media sentiment.

German American Bancorp pays an annual dividend of $1.24 per share and has a dividend yield of 2.6%. ChoiceOne Financial Services pays an annual dividend of $1.16 per share and has a dividend yield of 3.6%. German American Bancorp pays out 32.7% of its earnings in the form of a dividend. ChoiceOne Financial Services pays out 32.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. German American Bancorp has increased its dividend for 13 consecutive years and ChoiceOne Financial Services has increased its dividend for 13 consecutive years. ChoiceOne Financial Services is clearly the better dividend stock, given its higher yield and lower payout ratio.

German American Bancorp has higher revenue and earnings than ChoiceOne Financial Services. ChoiceOne Financial Services is trading at a lower price-to-earnings ratio than German American Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
German American Bancorp$487.40M3.71$112.64M$3.7912.71
ChoiceOne Financial Services$227.62M2.13$28.18M$3.638.95

German American Bancorp has a beta of 0.61, meaning that its stock price is 39% less volatile than the broader market. Comparatively, ChoiceOne Financial Services has a beta of 0.61, meaning that its stock price is 39% less volatile than the broader market.

German American Bancorp presently has a consensus price target of $53.33, suggesting a potential upside of 10.74%. ChoiceOne Financial Services has a consensus price target of $36.50, suggesting a potential upside of 12.38%. Given ChoiceOne Financial Services' higher probable upside, analysts clearly believe ChoiceOne Financial Services is more favorable than German American Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
German American Bancorp
0 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
1 Strong Buy rating(s)
2.80
ChoiceOne Financial Services
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67

German American Bancorp has a net margin of 28.25% compared to ChoiceOne Financial Services' net margin of 22.77%. German American Bancorp's return on equity of 12.14% beat ChoiceOne Financial Services' return on equity.

Company Net Margins Return on Equity Return on Assets
German American Bancorp28.25% 12.14% 1.69%
ChoiceOne Financial Services 22.77%12.04%1.28%

46.9% of German American Bancorp shares are held by institutional investors. Comparatively, 19.9% of ChoiceOne Financial Services shares are held by institutional investors. 3.2% of German American Bancorp shares are held by company insiders. Comparatively, 6.5% of ChoiceOne Financial Services shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

In the previous week, German American Bancorp had 3 more articles in the media than ChoiceOne Financial Services. MarketBeat recorded 4 mentions for German American Bancorp and 1 mentions for ChoiceOne Financial Services. ChoiceOne Financial Services' average media sentiment score of 1.16 beat German American Bancorp's score of 0.96 indicating that ChoiceOne Financial Services is being referred to more favorably in the news media.

Company Overall Sentiment
German American Bancorp Positive
ChoiceOne Financial Services Positive

Summary

German American Bancorp beats ChoiceOne Financial Services on 12 of the 17 factors compared between the two stocks.

How does ChoiceOne Financial Services compare to FirstSun Capital Bancorp?

ChoiceOne Financial Services (NASDAQ:COFS) and FirstSun Capital Bancorp (NASDAQ:FSUN) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, analyst recommendations, valuation, media sentiment, dividends, risk, profitability and institutional ownership.

ChoiceOne Financial Services has a net margin of 22.77% compared to FirstSun Capital Bancorp's net margin of 6.60%. ChoiceOne Financial Services' return on equity of 12.04% beat FirstSun Capital Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
ChoiceOne Financial Services22.77% 12.04% 1.28%
FirstSun Capital Bancorp 6.60%7.16%0.92%

In the previous week, FirstSun Capital Bancorp had 4 more articles in the media than ChoiceOne Financial Services. MarketBeat recorded 5 mentions for FirstSun Capital Bancorp and 1 mentions for ChoiceOne Financial Services. ChoiceOne Financial Services' average media sentiment score of 1.16 beat FirstSun Capital Bancorp's score of 0.45 indicating that ChoiceOne Financial Services is being referred to more favorably in the media.

Company Overall Sentiment
ChoiceOne Financial Services Positive
FirstSun Capital Bancorp Neutral

ChoiceOne Financial Services has a beta of 0.61, meaning that its share price is 39% less volatile than the broader market. Comparatively, FirstSun Capital Bancorp has a beta of 0.34, meaning that its share price is 66% less volatile than the broader market.

FirstSun Capital Bancorp has higher revenue and earnings than ChoiceOne Financial Services. ChoiceOne Financial Services is trading at a lower price-to-earnings ratio than FirstSun Capital Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
ChoiceOne Financial Services$227.62M2.13$28.18M$3.638.95
FirstSun Capital Bancorp$569.65M3.15$97.94M$1.9719.54

19.9% of ChoiceOne Financial Services shares are owned by institutional investors. 6.5% of ChoiceOne Financial Services shares are owned by company insiders. Comparatively, 10.5% of FirstSun Capital Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

ChoiceOne Financial Services presently has a consensus price target of $36.50, indicating a potential upside of 12.38%. FirstSun Capital Bancorp has a consensus price target of $45.25, indicating a potential upside of 17.56%. Given FirstSun Capital Bancorp's stronger consensus rating and higher possible upside, analysts clearly believe FirstSun Capital Bancorp is more favorable than ChoiceOne Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
ChoiceOne Financial Services
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67
FirstSun Capital Bancorp
0 Sell rating(s)
2 Hold rating(s)
3 Buy rating(s)
1 Strong Buy rating(s)
2.83

Summary

FirstSun Capital Bancorp beats ChoiceOne Financial Services on 10 of the 17 factors compared between the two stocks.

How does ChoiceOne Financial Services compare to Republic Bancorp?

Republic Bancorp (NASDAQ:RBCAA) and ChoiceOne Financial Services (NASDAQ:COFS) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, risk, media sentiment, earnings, institutional ownership, valuation, dividends and profitability.

Republic Bancorp has higher revenue and earnings than ChoiceOne Financial Services. ChoiceOne Financial Services is trading at a lower price-to-earnings ratio than Republic Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Republic Bancorp$521.34M3.42$131.32M$6.5513.88
ChoiceOne Financial Services$227.62M2.13$28.18M$3.638.95

Republic Bancorp has a net margin of 25.38% compared to ChoiceOne Financial Services' net margin of 22.77%. ChoiceOne Financial Services' return on equity of 12.04% beat Republic Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Republic Bancorp25.38% 11.20% 1.77%
ChoiceOne Financial Services 22.77%12.04%1.28%

Republic Bancorp has a beta of 0.55, meaning that its share price is 45% less volatile than the broader market. Comparatively, ChoiceOne Financial Services has a beta of 0.61, meaning that its share price is 39% less volatile than the broader market.

Republic Bancorp currently has a consensus price target of $98.00, suggesting a potential upside of 7.78%. ChoiceOne Financial Services has a consensus price target of $36.50, suggesting a potential upside of 12.38%. Given ChoiceOne Financial Services' stronger consensus rating and higher possible upside, analysts plainly believe ChoiceOne Financial Services is more favorable than Republic Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Republic Bancorp
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25
ChoiceOne Financial Services
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67

Republic Bancorp pays an annual dividend of $1.98 per share and has a dividend yield of 2.2%. ChoiceOne Financial Services pays an annual dividend of $1.16 per share and has a dividend yield of 3.6%. Republic Bancorp pays out 30.2% of its earnings in the form of a dividend. ChoiceOne Financial Services pays out 32.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Republic Bancorp has increased its dividend for 27 consecutive years and ChoiceOne Financial Services has increased its dividend for 13 consecutive years.

24.4% of Republic Bancorp shares are owned by institutional investors. Comparatively, 19.9% of ChoiceOne Financial Services shares are owned by institutional investors. 55.9% of Republic Bancorp shares are owned by company insiders. Comparatively, 6.5% of ChoiceOne Financial Services shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

In the previous week, Republic Bancorp had 3 more articles in the media than ChoiceOne Financial Services. MarketBeat recorded 4 mentions for Republic Bancorp and 1 mentions for ChoiceOne Financial Services. ChoiceOne Financial Services' average media sentiment score of 1.16 beat Republic Bancorp's score of 0.37 indicating that ChoiceOne Financial Services is being referred to more favorably in the news media.

Company Overall Sentiment
Republic Bancorp Neutral
ChoiceOne Financial Services Positive

Summary

Republic Bancorp beats ChoiceOne Financial Services on 12 of the 19 factors compared between the two stocks.

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New MarketBeat Followers Over Time

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.
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Media Sentiment Over Time

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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COFS vs. The Competition

MetricChoiceOne Financial ServicesBanks IndustryFinance SectorNASDAQ Exchange
Market Cap$493.83M$21.52B$13.07B$13.21B
Dividend Yield3.51%3.15%6.08%16.37%
P/E Ratio8.9525.6224.7426.16
Price / Sales2.138.99476.48107.50
Price / Cash8.5114.7345.1353.09
Price / Book1.051.322.716.33
Net Income$28.18M$2.60B$1.32B$382.15M
7 Day Performance-1.90%-1.17%-0.51%-1.40%
1 Month Performance-4.27%-3.27%-2.39%-3.47%
1 Year Performance20.16%21.84%10.29%1.18%

ChoiceOne Financial Services Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
COFS
ChoiceOne Financial Services
4.0047 of 5 stars
$32.48
-1.6%
$36.50
+12.4%
+16.2%$493.83M$227.62M8.95598
UCB
United Community Banks
4.3151 of 5 stars
$33.76
-0.1%
$39.60
+17.3%
+4.3%$4.08B$1.09B11.113,070
TBBK
Bancorp
4.404 of 5 stars
$48.44
+0.2%
$69.33
+43.1%
-37.2%$1.97B$672.07M9.11733
GABC
German American Bancorp
4.3888 of 5 stars
$49.06
-0.4%
$53.33
+8.7%
+25.2%$1.85B$487.40M12.94984
FSUN
FirstSun Capital Bancorp
4.0664 of 5 stars
$39.19
-0.7%
$45.25
+15.5%
-5.0%$1.84B$569.65M19.891,186

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This page (NASDAQ:COFS) was last updated on 10/10/2026 by MarketBeat.com Staff.
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