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ChoiceOne Financial Services (COFS) Competitors

ChoiceOne Financial Services logo
$33.93 -0.69 (-1.99%)
Closing price 04:00 PM Eastern
Extended Trading
$34.02 +0.09 (+0.27%)
As of 04:10 PM Eastern
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COFS vs. LOB, CASH, TFIN, QFIN, and FSUN

Should you buy ChoiceOne Financial Services stock or one of its competitors? MarketBeat compares ChoiceOne Financial Services with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with ChoiceOne Financial Services include Live Oak Bancshares (LOB), Pathward Financial (CASH), Triumph Financial (TFIN), Qfin (QFIN), and FirstSun Capital Bancorp (FSUN). These companies are all part of the "banking" industry.

How does ChoiceOne Financial Services compare to Live Oak Bancshares?

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

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
ChoiceOne Financial Services$227.62M2.23$28.18M$3.709.17
Live Oak Bancshares$1.04B1.89$105.87M$2.6116.26

ChoiceOne Financial Services has a net margin of 23.07% compared to Live Oak Bancshares' net margin of 11.79%. ChoiceOne Financial Services' return on equity of 12.31% beat Live Oak Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
ChoiceOne Financial Services23.07% 12.31% 1.28%
Live Oak Bancshares 11.79%11.18%0.86%

19.9% of ChoiceOne Financial Services shares are held by institutional investors. Comparatively, 64.0% of Live Oak Bancshares shares are held by institutional investors. 6.5% of ChoiceOne Financial Services shares are held by insiders. Comparatively, 22.4% of Live Oak Bancshares shares are held by 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.

ChoiceOne Financial Services pays an annual dividend of $1.16 per share and has a dividend yield of 3.4%. Live Oak Bancshares pays an annual dividend of $0.12 per share and has a dividend yield of 0.3%. ChoiceOne Financial Services pays out 31.4% of its earnings in the form of a dividend. Live Oak Bancshares pays out 4.6% 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.

ChoiceOne Financial Services currently has a consensus target price of $34.00, indicating a potential upside of 0.21%. Live Oak Bancshares has a consensus target price of $44.80, indicating a potential upside of 5.57%. Given Live Oak Bancshares' higher possible 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
ChoiceOne Financial Services
0 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.50
Live Oak Bancshares
0 Sell rating(s)
4 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.33

In the previous week, ChoiceOne Financial Services and ChoiceOne Financial Services both had 2 articles in the media. ChoiceOne Financial Services' average media sentiment score of 0.72 beat Live Oak Bancshares' score of 0.33 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)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Live Oak Bancshares
0 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

ChoiceOne Financial Services has a beta of 0.59, indicating that its stock price is 41% less volatile than the broader market. Comparatively, Live Oak Bancshares has a beta of 1.88, indicating that its stock price is 88% more volatile than the broader market.

Summary

ChoiceOne Financial Services beats Live Oak Bancshares on 9 of the 17 factors compared between the two stocks.

How does ChoiceOne Financial Services compare to Pathward Financial?

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 businesses based on the strength of their earnings, profitability, analyst recommendations, valuation, risk, dividends, media sentiment and institutional ownership.

Pathward Financial pays an annual dividend of $0.20 per share and has a dividend yield of 0.2%. ChoiceOne Financial Services pays an annual dividend of $1.16 per share and has a dividend yield of 3.4%. Pathward Financial pays out 2.4% of its earnings in the form of a dividend. ChoiceOne Financial Services pays out 31.4% 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.

Pathward Financial has a beta of 0.6, meaning that its stock price is 40% less volatile than the broader market. Comparatively, ChoiceOne Financial Services has a beta of 0.59, meaning that its stock price is 41% less volatile than the broader market.

Pathward Financial presently has a consensus price target of $107.50, suggesting a potential upside of 19.76%. ChoiceOne Financial Services has a consensus price target of $34.00, suggesting a potential upside of 0.21%. Given Pathward Financial's stronger consensus rating and higher possible upside, analysts plainly believe Pathward Financial is more favorable than ChoiceOne Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Pathward Financial
0 Sell rating(s)
0 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
3.00
ChoiceOne Financial Services
0 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.50

ChoiceOne Financial Services has a net margin of 23.07% compared to Pathward Financial's net margin of 22.42%. Pathward Financial's return on equity of 22.35% beat ChoiceOne Financial Services' return on equity.

Company Net Margins Return on Equity Return on Assets
Pathward Financial22.42% 22.35% 2.60%
ChoiceOne Financial Services 23.07%12.31%1.28%

92.7% of Pathward Financial shares are held by institutional investors. Comparatively, 19.9% of ChoiceOne Financial Services shares are held by institutional investors. 1.4% of Pathward Financial 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.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Pathward Financial$851.49M2.23$185.87M$8.4210.66
ChoiceOne Financial Services$227.62M2.23$28.18M$3.709.17

In the previous week, Pathward Financial had 5 more articles in the media than ChoiceOne Financial Services. MarketBeat recorded 7 mentions for Pathward Financial and 2 mentions for ChoiceOne Financial Services. Pathward Financial's average media sentiment score of 1.10 beat ChoiceOne Financial Services' score of 0.72 indicating that Pathward Financial is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Pathward Financial
3 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
ChoiceOne Financial Services
0 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Pathward Financial beats ChoiceOne Financial Services on 14 of the 19 factors compared between the two stocks.

How does ChoiceOne Financial Services compare to Triumph Financial?

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

ChoiceOne Financial Services has a beta of 0.59, meaning that its stock price is 41% less volatile than the broader market. Comparatively, Triumph Financial has a beta of 1.39, meaning that its stock price is 39% more volatile than the broader market.

ChoiceOne Financial Services currently has a consensus target price of $34.00, indicating a potential upside of 0.21%. Triumph Financial has a consensus target price of $64.75, indicating a potential downside of 19.42%. Given ChoiceOne Financial Services' stronger consensus rating and higher possible upside, research analysts plainly believe ChoiceOne Financial Services is more favorable than Triumph Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
ChoiceOne Financial Services
0 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.50
Triumph Financial
0 Sell rating(s)
5 Hold rating(s)
0 Buy rating(s)
1 Strong Buy rating(s)
2.33

In the previous week, Triumph Financial had 2 more articles in the media than ChoiceOne Financial Services. MarketBeat recorded 4 mentions for Triumph Financial and 2 mentions for ChoiceOne Financial Services. Triumph Financial's average media sentiment score of 1.66 beat ChoiceOne Financial Services' score of 0.72 indicating that Triumph Financial is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
ChoiceOne Financial Services
0 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Triumph Financial
4 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
ChoiceOne Financial Services$227.62M2.23$28.18M$3.709.17
Triumph Financial$518.88M3.69$25.36M$1.1967.52

ChoiceOne Financial Services has a net margin of 23.07% compared to Triumph Financial's net margin of 6.07%. ChoiceOne Financial Services' return on equity of 12.31% beat Triumph Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
ChoiceOne Financial Services23.07% 12.31% 1.28%
Triumph Financial 6.07%3.97%0.54%

19.9% of ChoiceOne Financial Services shares are held by institutional investors. Comparatively, 91.1% of Triumph Financial shares are held by institutional investors. 6.5% of ChoiceOne Financial Services shares are held by insiders. Comparatively, 5.5% of Triumph Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Summary

ChoiceOne Financial Services beats Triumph Financial on 9 of the 17 factors compared between the two stocks.

How does ChoiceOne Financial Services compare to Qfin?

Qfin (NASDAQ:QFIN) and ChoiceOne Financial Services (NASDAQ:COFS) are both small-cap banking companies, but which is the better investment? We will compare the two companies based on the strength of their profitability, earnings, risk, analyst recommendations, institutional ownership, dividends, media sentiment and valuation.

In the previous week, Qfin had 2 more articles in the media than ChoiceOne Financial Services. MarketBeat recorded 4 mentions for Qfin and 2 mentions for ChoiceOne Financial Services. Qfin's average media sentiment score of 1.42 beat ChoiceOne Financial Services' score of 0.72 indicating that Qfin is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Qfin
2 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
ChoiceOne Financial Services
0 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

74.8% of Qfin shares are held by institutional investors. Comparatively, 19.9% of ChoiceOne Financial Services shares are held by institutional investors. 17.1% of Qfin 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 endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Qfin pays an annual dividend of $1.54 per share and has a dividend yield of 12.1%. ChoiceOne Financial Services pays an annual dividend of $1.16 per share and has a dividend yield of 3.4%. Qfin pays out 28.2% of its earnings in the form of a dividend. ChoiceOne Financial Services pays out 31.4% 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. Qfin is clearly the better dividend stock, given its higher yield and lower payout ratio.

Qfin has a beta of 0.57, suggesting that its share price is 43% less volatile than the broader market. Comparatively, ChoiceOne Financial Services has a beta of 0.59, suggesting that its share price is 41% less volatile than the broader market.

Qfin presently has a consensus target price of $19.91, indicating a potential upside of 56.40%. ChoiceOne Financial Services has a consensus target price of $34.00, indicating a potential upside of 0.21%. Given Qfin's higher possible upside, equities research analysts clearly believe Qfin is more favorable than ChoiceOne Financial Services.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Qfin
1 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.00
ChoiceOne Financial Services
0 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.50

Qfin has a net margin of 27.48% compared to ChoiceOne Financial Services' net margin of 23.07%. Qfin's return on equity of 20.85% beat ChoiceOne Financial Services' return on equity.

Company Net Margins Return on Equity Return on Assets
Qfin27.48% 20.85% 8.71%
ChoiceOne Financial Services 23.07%12.31%1.28%

Qfin has higher revenue and earnings than ChoiceOne Financial Services. Qfin 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 Ratio
Qfin$2.75B0.56$856.52M$5.462.33
ChoiceOne Financial Services$227.62M2.23$28.18M$3.709.17

Summary

Qfin beats ChoiceOne Financial Services on 13 of the 19 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 business? We will contrast the two companies based on the strength of their analyst recommendations, profitability, media sentiment, dividends, risk, valuation, earnings and institutional ownership.

In the previous week, FirstSun Capital Bancorp had 5 more articles in the media than ChoiceOne Financial Services. MarketBeat recorded 7 mentions for FirstSun Capital Bancorp and 2 mentions for ChoiceOne Financial Services. ChoiceOne Financial Services' average media sentiment score of 0.72 beat FirstSun Capital Bancorp's score of -0.01 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)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
FirstSun Capital Bancorp
0 Very Positive mention(s)
0 Positive mention(s)
4 Neutral mention(s)
1 Negative mention(s)
2 Very Negative mention(s)
Neutral

19.9% of ChoiceOne Financial Services shares are held by institutional investors. 6.5% of ChoiceOne Financial Services shares are held by insiders. Comparatively, 12.5% of FirstSun Capital Bancorp shares are held 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.

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$227.62M2.23$28.18M$3.709.17
FirstSun Capital Bancorp$569.65M2.91$97.94M$3.3910.45

ChoiceOne Financial Services has a beta of 0.59, indicating that its stock price is 41% less volatile than the broader market. Comparatively, FirstSun Capital Bancorp has a beta of 0.31, indicating that its stock price is 69% less volatile than the broader market.

ChoiceOne Financial Services presently has a consensus target price of $34.00, suggesting a potential upside of 0.21%. FirstSun Capital Bancorp has a consensus target price of $44.00, suggesting a potential upside of 24.19%. Given FirstSun Capital Bancorp's stronger consensus rating and higher possible upside, analysts plainly 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)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.50
FirstSun Capital Bancorp
0 Sell rating(s)
1 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
3.00

ChoiceOne Financial Services has a net margin of 23.07% compared to FirstSun Capital Bancorp's net margin of 16.52%. ChoiceOne Financial Services' return on equity of 12.31% beat FirstSun Capital Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
ChoiceOne Financial Services23.07% 12.31% 1.28%
FirstSun Capital Bancorp 16.52%8.80%1.18%

Summary

FirstSun Capital Bancorp beats ChoiceOne Financial Services on 10 of the 17 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 ServicesFIN IndustryFinance SectorNASDAQ Exchange
Market Cap$508.27M$7.22B$14.32B$12.25B
Dividend Yield3.46%4.96%5.68%8.86%
P/E Ratio9.1717.2720.6723.92
Price / Sales2.2311.2244.28113.17
Price / Cash8.6550.6419.4459.89
Price / Book1.103.222.266.18
Net Income$28.18M$305.95M$1.14B$331.73M
7 Day Performance2.88%-2.17%0.38%-2.29%
1 Month Performance5.44%-4.79%2.12%-1.62%
1 Year Performance15.96%-6.77%13.30%16.79%

ChoiceOne Financial Services Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
COFS
ChoiceOne Financial Services
3.3362 of 5 stars
$33.93
-2.0%
$34.00
+0.2%
+19.5%$508.27M$227.62M9.17380
LOB
Live Oak Bancshares
4.2395 of 5 stars
$41.15
-1.6%
$44.40
+7.9%
N/A$1.93B$1.04B15.771,077
CASH
Pathward Financial
4.2388 of 5 stars
$90.44
+0.5%
$107.50
+18.9%
+13.9%$1.90B$851.49M10.741,182
TFIN
Triumph Financial
3.395 of 5 stars
$77.41
-1.6%
$64.75
-16.4%
N/A$1.87B$518.88M65.051,450
QFIN
Qfin
4.983 of 5 stars
$14.51
-5.0%
$19.91
+37.2%
-68.9%$1.86B$2.75B2.663,557

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This page (NASDAQ:COFS) was last updated on 7/17/2026 by MarketBeat.com Staff.
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