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ChoiceOne Financial Services (COFS) Competitors

ChoiceOne Financial Services logo
$33.36 +0.13 (+0.39%)
As of 08/28/2026 04:00 PM Eastern
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COFS vs. FSUN, GABC, RBCAA, LOB, and NBHC

Should you buy ChoiceOne Financial Services stock or one of its competitors? ChoiceOne Financial Services's main competitors and comparable companies include FirstSun Capital Bancorp (FSUN), German American Bancorp (GABC), Republic Bancorp (RBCAA), Live Oak Bancshares (LOB), and National Bank (NBHC). 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 FirstSun Capital Bancorp?

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

In the previous week, FirstSun Capital Bancorp and FirstSun Capital Bancorp both had 2 articles in the media. FirstSun Capital Bancorp's average media sentiment score of 1.84 beat ChoiceOne Financial Services' score of 1.43 indicating that FirstSun Capital Bancorp is being referred to more favorably in the media.

Company Overall Sentiment
FirstSun Capital Bancorp Very Positive
ChoiceOne Financial Services Positive

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
FirstSun Capital Bancorp6.60% 7.16% 0.92%
ChoiceOne Financial Services 22.77%12.04%1.28%

FirstSun Capital Bancorp currently has a consensus price target of $45.25, indicating a potential upside of 12.93%. ChoiceOne Financial Services has a consensus price target of $36.50, indicating a potential upside of 9.41%. 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
FirstSun Capital Bancorp
0 Sell rating(s)
2 Hold rating(s)
3 Buy rating(s)
1 Strong Buy rating(s)
2.83
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 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
FirstSun Capital Bancorp$498.61M3.74$97.94M$1.9720.34
ChoiceOne Financial Services$227.62M2.19$28.18M$3.639.19

19.9% of ChoiceOne Financial Services shares are held by institutional investors. 10.5% of FirstSun Capital Bancorp shares are held by insiders. Comparatively, 6.5% of ChoiceOne Financial Services shares are held by 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.

FirstSun Capital Bancorp has a beta of 0.31, indicating that its stock price is 69% less volatile than the broader market. Comparatively, ChoiceOne Financial Services has a beta of 0.6, indicating that its stock price is 40% less volatile than the broader market.

Summary

FirstSun Capital Bancorp beats ChoiceOne Financial Services on 10 of the 16 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 compare the two companies based on the strength of their dividends, valuation, analyst recommendations, risk, media sentiment, institutional ownership, earnings and profitability.

In the previous week, German American Bancorp had 4 more articles in the media than ChoiceOne Financial Services. MarketBeat recorded 6 mentions for German American Bancorp and 2 mentions for ChoiceOne Financial Services. German American Bancorp's average media sentiment score of 1.45 beat ChoiceOne Financial Services' score of 1.43 indicating that German American Bancorp is being referred to more favorably in the media.

Company Overall Sentiment
German American Bancorp Positive
ChoiceOne Financial Services Positive

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%

German American Bancorp has a beta of 0.58, indicating that its stock price is 42% less volatile than the broader market. Comparatively, ChoiceOne Financial Services has a beta of 0.6, indicating that its stock price is 40% less volatile than the broader market.

46.9% of German American Bancorp shares are owned by institutional investors. Comparatively, 19.9% of ChoiceOne Financial Services shares are owned by institutional investors. 3.2% of German American 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 endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

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$487.40M3.85$112.64M$3.7913.17
ChoiceOne Financial Services$227.62M2.19$28.18M$3.639.19

German American Bancorp pays an annual dividend of $1.24 per share and has a dividend yield of 2.5%. ChoiceOne Financial Services pays an annual dividend of $1.16 per share and has a dividend yield of 3.5%. 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 currently has a consensus target price of $53.33, suggesting a potential upside of 6.84%. ChoiceOne Financial Services has a consensus target price of $36.50, suggesting a potential upside of 9.41%. Given ChoiceOne Financial Services' higher possible upside, analysts plainly 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

Summary

German American Bancorp beats ChoiceOne Financial Services on 13 of the 18 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 better business? We will compare the two companies based on the strength of their risk, valuation, analyst recommendations, institutional ownership, profitability, media sentiment, dividends and earnings.

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 insiders. Comparatively, 6.5% 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 is poised for long-term growth.

Republic Bancorp has a beta of 0.55, meaning that its stock price is 45% less volatile than the broader market. Comparatively, ChoiceOne Financial Services has a beta of 0.6, meaning that its stock price is 40% less volatile than the broader market.

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$521.34M3.57$131.32M$6.5514.49
ChoiceOne Financial Services$227.62M2.19$28.18M$3.639.19

In the previous week, Republic Bancorp had 2 more articles in the media than ChoiceOne Financial Services. MarketBeat recorded 4 mentions for Republic Bancorp and 2 mentions for ChoiceOne Financial Services. ChoiceOne Financial Services' average media sentiment score of 1.43 beat Republic Bancorp's score of 0.68 indicating that ChoiceOne Financial Services is being referred to more favorably in the news media.

Company Overall Sentiment
Republic Bancorp Positive
ChoiceOne Financial Services Positive

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 pays an annual dividend of $1.98 per share and has a dividend yield of 2.1%. ChoiceOne Financial Services pays an annual dividend of $1.16 per share and has a dividend yield of 3.5%. 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 raised its dividend for 27 consecutive years and ChoiceOne Financial Services has raised its dividend for 13 consecutive years.

Republic Bancorp currently has a consensus target price of $98.00, indicating a potential upside of 3.27%. ChoiceOne Financial Services has a consensus target price of $36.50, indicating a potential upside of 9.41%. Given ChoiceOne Financial Services' stronger consensus rating and higher probable upside, analysts clearly 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)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33
ChoiceOne Financial Services
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67

Summary

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

How does ChoiceOne Financial Services compare to Live Oak Bancshares?

Live Oak Bancshares (NYSE:LOB) and ChoiceOne Financial Services (NASDAQ:COFS) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their earnings, valuation, institutional ownership, risk, profitability, dividends, analyst recommendations and media sentiment.

Live Oak Bancshares presently has a consensus price target of $46.40, indicating a potential upside of 15.54%. ChoiceOne Financial Services has a consensus price target of $36.50, indicating a potential upside of 9.41%. Given Live Oak Bancshares' stronger consensus rating and higher probable upside, analysts plainly believe Live Oak Bancshares is more favorable than ChoiceOne Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Live Oak Bancshares
0 Sell rating(s)
2 Hold rating(s)
3 Buy rating(s)
1 Strong Buy rating(s)
2.83
ChoiceOne Financial Services
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67

In the previous week, Live Oak Bancshares had 5 more articles in the media than ChoiceOne Financial Services. MarketBeat recorded 7 mentions for Live Oak Bancshares and 2 mentions for ChoiceOne Financial Services. Live Oak Bancshares' average media sentiment score of 1.62 beat ChoiceOne Financial Services' score of 1.43 indicating that Live Oak Bancshares is being referred to more favorably in the media.

Company Overall Sentiment
Live Oak Bancshares Very Positive
ChoiceOne Financial Services Positive

Live Oak Bancshares pays an annual dividend of $0.12 per share and has a dividend yield of 0.3%. ChoiceOne Financial Services pays an annual dividend of $1.16 per share and has a dividend yield of 3.5%. Live Oak Bancshares pays out 4.2% 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. 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.

64.0% of Live Oak Bancshares shares are owned by institutional investors. Comparatively, 19.9% of ChoiceOne Financial Services shares are owned by institutional investors. 22.4% of Live Oak Bancshares 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, hedge funds and endowments believe a company is poised for long-term growth.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Live Oak Bancshares$1.04B1.79$105.87M$2.8414.14
ChoiceOne Financial Services$227.62M2.19$28.18M$3.639.19

Live Oak Bancshares has a beta of 1.87, meaning that its share price is 87% more volatile than the broader market. Comparatively, ChoiceOne Financial Services has a beta of 0.6, meaning that its share price is 40% less volatile than the broader market.

ChoiceOne Financial Services has a net margin of 22.77% compared to Live Oak Bancshares' net margin of 12.68%. ChoiceOne Financial Services' return on equity of 12.04% beat Live Oak Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
Live Oak Bancshares12.68% 11.77% 0.90%
ChoiceOne Financial Services 22.77%12.04%1.28%

Summary

Live Oak Bancshares beats ChoiceOne Financial Services on 13 of the 20 factors compared between the two stocks.

How does ChoiceOne Financial Services compare to National Bank?

National Bank (NYSE:NBHC) 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 earnings, media sentiment, valuation, profitability, analyst recommendations, institutional ownership, risk and dividends.

92.7% of National Bank shares are held by institutional investors. Comparatively, 19.9% of ChoiceOne Financial Services shares are held by institutional investors. 6.8% of National Bank shares are held by insiders. Comparatively, 6.5% of ChoiceOne Financial Services shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

National Bank has a beta of 0.79, suggesting that its share price is 21% less volatile than the broader market. Comparatively, ChoiceOne Financial Services has a beta of 0.6, suggesting that its share price is 40% less volatile than the broader market.

In the previous week, National Bank had 3 more articles in the media than ChoiceOne Financial Services. MarketBeat recorded 5 mentions for National Bank and 2 mentions for ChoiceOne Financial Services. ChoiceOne Financial Services' average media sentiment score of 1.43 beat National Bank's score of 0.84 indicating that ChoiceOne Financial Services is being referred to more favorably in the news media.

Company Overall Sentiment
National Bank Positive
ChoiceOne Financial Services Positive

National Bank currently has a consensus price target of $46.80, indicating a potential upside of 13.48%. ChoiceOne Financial Services has a consensus price target of $36.50, indicating a potential upside of 9.41%. Given National Bank's higher possible upside, analysts clearly believe National Bank is more favorable than ChoiceOne Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
National Bank
0 Sell rating(s)
3 Hold rating(s)
4 Buy rating(s)
0 Strong Buy rating(s)
2.57
ChoiceOne Financial Services
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67

National Bank pays an annual dividend of $1.28 per share and has a dividend yield of 3.1%. ChoiceOne Financial Services pays an annual dividend of $1.16 per share and has a dividend yield of 3.5%. National Bank pays out 53.8% 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. National Bank has raised its dividend for 10 consecutive years and 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.

ChoiceOne Financial Services has a net margin of 22.77% compared to National Bank's net margin of 15.11%. ChoiceOne Financial Services' return on equity of 12.04% beat National Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
National Bank15.11% 8.35% 1.13%
ChoiceOne Financial Services 22.77%12.04%1.28%

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
National Bank$460.85M3.99$109.57M$2.3817.33
ChoiceOne Financial Services$227.62M2.19$28.18M$3.639.19

Summary

National Bank beats ChoiceOne Financial Services on 10 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

Export
MetricChoiceOne Financial ServicesBanks IndustryFinance SectorNASDAQ Exchange
Market Cap$496.97M$23.49B$14.02B$12.94B
Dividend Yield3.49%3.19%5.89%11.02%
P/E Ratio9.1927.3826.7125.45
Price / Sales2.199.41516.6995.42
Price / Cash8.5616.0039.0754.21
Price / Book1.031.362.196.14
Net Income$28.18M$2.58B$1.31B$348.86M
7 Day Performance0.66%-0.04%0.90%-0.80%
1 Month Performance-2.94%1.10%2.77%5.56%
1 Year Performance8.10%22.93%11.55%15.57%

ChoiceOne Financial Services Competitors List

Export
CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
COFS
ChoiceOne Financial Services
3.6336 of 5 stars		$33.36
+0.4%		$36.50
+9.4%		+8.1%$496.97M$227.62M9.19380
FSUN
FirstSun Capital Bancorp
4.1532 of 5 stars		$40.29
-0.7%		$45.25
+12.3%		+5.4%$1.89B$569.65M20.451,186
GABC
German American Bancorp
4.2449 of 5 stars		$49.63
-0.9%		$53.33
+7.5%		+19.0%$1.88B$487.40M13.101,020
RBCAA
Republic Bancorp
3.6126 of 5 stars		$94.44
-0.6%		$98.00
+3.8%		+23.3%$1.86B$521.34M14.421,010
LOB
Live Oak Bancshares
4.4355 of 5 stars		$40.04
-0.6%		$46.40
+15.9%		+3.7%$1.86B$1.04B14.101,077

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This page (NASDAQ:COFS) was last updated on 8/29/2026 by MarketBeat.com Staff.
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