Financhill
Buy
72

COFS Quote, Financials, Valuation and Earnings

Last price:
$35.46
Seasonality move :
-2.88%
Day range:
$35.11 - $35.97
52-week range:
$21.52 - $38.15
Dividend yield:
3.09%
P/E ratio:
11.17x
P/S ratio:
3.13x
P/B ratio:
1.28x
Volume:
35.4K
Avg. volume:
29.1K
1-year change:
13.94%
Market cap:
$316.3M
Revenue:
$80.8M
EPS (TTM):
$3.16

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
COFS
ChoiceOne Financial Services
-- $0.74 -- 17.86% $41.00
BHB
Bar Harbor Bankshares
$33.8M $0.68 -10.43% 5.39% $28.25
EVBN
Evans Bancorp
$16.7M $0.40 -46.71% -74.05% --
FETM
Fentura Financial
-- -- -- -- --
PRK
Park National
$127.8M $2.29 15.8% 48.34% --
PWOD
Penns Woods Bancorp
-- -- -- -- --
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
COFS
ChoiceOne Financial Services
$35.31 $41.00 $316.3M 11.17x $0.28 3.09% 3.13x
BHB
Bar Harbor Bankshares
$31.28 $28.25 $477.6M 11.25x $0.30 3.77% 3.17x
EVBN
Evans Bancorp
$43.84 -- $242.9M 13.17x $0.66 3.01% 2.89x
FETM
Fentura Financial
$44.52 -- $200.1M 19.14x $0.11 0.99% 3.50x
PRK
Park National
$175.00 -- $2.8B 20.71x $1.56 2.42% 5.72x
PWOD
Penns Woods Bancorp
$30.54 -- $230.7M 11.57x $0.32 4.19% 3.43x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
COFS
ChoiceOne Financial Services
49.79% 1.652 88.71% 3.39x
BHB
Bar Harbor Bankshares
34.26% 0.992 50.9% 3.32x
EVBN
Evans Bancorp
46.15% 1.646 73.84% 48.21x
FETM
Fentura Financial
55.14% -0.106 102.48% --
PRK
Park National
19.85% 0.877 11.31% 11.28x
PWOD
Penns Woods Bancorp
55.67% 1.150 142.38% 2.97x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
COFS
ChoiceOne Financial Services
-- -- 5.57% 11.89% 82.48% -$6.7M
BHB
Bar Harbor Bankshares
-- -- 5.57% 9.79% 86.07% $22.4M
EVBN
Evans Bancorp
-- -- 5.39% 10.61% 97.21% $11.9M
FETM
Fentura Financial
-- -- 3.15% 7.52% 82.32% --
PRK
Park National
-- -- 8.97% 11.8% 57.64% $42.3M
PWOD
Penns Woods Bancorp
-- -- 4.01% 10.18% 108.63% -$1.8M

ChoiceOne Financial Services vs. Competitors

  • Which has Higher Returns COFS or BHB?

    Bar Harbor Bankshares has a net margin of 29.26% compared to ChoiceOne Financial Services's net margin of 31.58%. ChoiceOne Financial Services's return on equity of 11.89% beat Bar Harbor Bankshares's return on equity of 9.79%.

    Company Gross Margin Earnings Per Share Invested Capital
    COFS
    ChoiceOne Financial Services
    -- $0.85 $493.4M
    BHB
    Bar Harbor Bankshares
    -- $0.80 $699.6M
  • What do Analysts Say About COFS or BHB?

    ChoiceOne Financial Services has a consensus price target of $41.00, signalling upside risk potential of 16.11%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $28.25 which suggests that it could grow by 11.89%. Given that ChoiceOne Financial Services has higher upside potential than Bar Harbor Bankshares, analysts believe ChoiceOne Financial Services is more attractive than Bar Harbor Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    COFS
    ChoiceOne Financial Services
    1 0 0
    BHB
    Bar Harbor Bankshares
    0 1 0
  • Is COFS or BHB More Risky?

    ChoiceOne Financial Services has a beta of 0.633, which suggesting that the stock is 36.696% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.695, suggesting its less volatile than the S&P 500 by 30.497%.

  • Which is a Better Dividend Stock COFS or BHB?

    ChoiceOne Financial Services has a quarterly dividend of $0.28 per share corresponding to a yield of 3.09%. Bar Harbor Bankshares offers a yield of 3.77% to investors and pays a quarterly dividend of $0.30 per share. ChoiceOne Financial Services pays 37.2% of its earnings as a dividend. Bar Harbor Bankshares pays out 36.94% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios COFS or BHB?

    ChoiceOne Financial Services quarterly revenues are $25.1M, which are smaller than Bar Harbor Bankshares quarterly revenues of $38.6M. ChoiceOne Financial Services's net income of $7.3M is lower than Bar Harbor Bankshares's net income of $12.2M. Notably, ChoiceOne Financial Services's price-to-earnings ratio is 11.17x while Bar Harbor Bankshares's PE ratio is 11.25x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for ChoiceOne Financial Services is 3.13x versus 3.17x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    COFS
    ChoiceOne Financial Services
    3.13x 11.17x $25.1M $7.3M
    BHB
    Bar Harbor Bankshares
    3.17x 11.25x $38.6M $12.2M
  • Which has Higher Returns COFS or EVBN?

    Evans Bancorp has a net margin of 29.26% compared to ChoiceOne Financial Services's net margin of 16.32%. ChoiceOne Financial Services's return on equity of 11.89% beat Evans Bancorp's return on equity of 10.61%.

    Company Gross Margin Earnings Per Share Invested Capital
    COFS
    ChoiceOne Financial Services
    -- $0.85 $493.4M
    EVBN
    Evans Bancorp
    -- $0.53 $345.1M
  • What do Analysts Say About COFS or EVBN?

    ChoiceOne Financial Services has a consensus price target of $41.00, signalling upside risk potential of 16.11%. On the other hand Evans Bancorp has an analysts' consensus of -- which suggests that it could grow by 14.17%. Given that ChoiceOne Financial Services has higher upside potential than Evans Bancorp, analysts believe ChoiceOne Financial Services is more attractive than Evans Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    COFS
    ChoiceOne Financial Services
    1 0 0
    EVBN
    Evans Bancorp
    0 0 0
  • Is COFS or EVBN More Risky?

    ChoiceOne Financial Services has a beta of 0.633, which suggesting that the stock is 36.696% less volatile than S&P 500. In comparison Evans Bancorp has a beta of 0.922, suggesting its less volatile than the S&P 500 by 7.751%.

  • Which is a Better Dividend Stock COFS or EVBN?

    ChoiceOne Financial Services has a quarterly dividend of $0.28 per share corresponding to a yield of 3.09%. Evans Bancorp offers a yield of 3.01% to investors and pays a quarterly dividend of $0.66 per share. ChoiceOne Financial Services pays 37.2% of its earnings as a dividend. Evans Bancorp pays out 29.45% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios COFS or EVBN?

    ChoiceOne Financial Services quarterly revenues are $25.1M, which are larger than Evans Bancorp quarterly revenues of $18M. ChoiceOne Financial Services's net income of $7.3M is higher than Evans Bancorp's net income of $2.9M. Notably, ChoiceOne Financial Services's price-to-earnings ratio is 11.17x while Evans Bancorp's PE ratio is 13.17x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for ChoiceOne Financial Services is 3.13x versus 2.89x for Evans Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    COFS
    ChoiceOne Financial Services
    3.13x 11.17x $25.1M $7.3M
    EVBN
    Evans Bancorp
    2.89x 13.17x $18M $2.9M
  • Which has Higher Returns COFS or FETM?

    Fentura Financial has a net margin of 29.26% compared to ChoiceOne Financial Services's net margin of 6.36%. ChoiceOne Financial Services's return on equity of 11.89% beat Fentura Financial's return on equity of 7.52%.

    Company Gross Margin Earnings Per Share Invested Capital
    COFS
    ChoiceOne Financial Services
    -- $0.85 $493.4M
    FETM
    Fentura Financial
    -- $0.19 $326.4M
  • What do Analysts Say About COFS or FETM?

    ChoiceOne Financial Services has a consensus price target of $41.00, signalling upside risk potential of 16.11%. On the other hand Fentura Financial has an analysts' consensus of -- which suggests that it could fall by --. Given that ChoiceOne Financial Services has higher upside potential than Fentura Financial, analysts believe ChoiceOne Financial Services is more attractive than Fentura Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    COFS
    ChoiceOne Financial Services
    1 0 0
    FETM
    Fentura Financial
    0 0 0
  • Is COFS or FETM More Risky?

    ChoiceOne Financial Services has a beta of 0.633, which suggesting that the stock is 36.696% less volatile than S&P 500. In comparison Fentura Financial has a beta of 0.601, suggesting its less volatile than the S&P 500 by 39.945%.

  • Which is a Better Dividend Stock COFS or FETM?

    ChoiceOne Financial Services has a quarterly dividend of $0.28 per share corresponding to a yield of 3.09%. Fentura Financial offers a yield of 0.99% to investors and pays a quarterly dividend of $0.11 per share. ChoiceOne Financial Services pays 37.2% of its earnings as a dividend. Fentura Financial pays out 12.2% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios COFS or FETM?

    ChoiceOne Financial Services quarterly revenues are $25.1M, which are larger than Fentura Financial quarterly revenues of $13.6M. ChoiceOne Financial Services's net income of $7.3M is higher than Fentura Financial's net income of $867K. Notably, ChoiceOne Financial Services's price-to-earnings ratio is 11.17x while Fentura Financial's PE ratio is 19.14x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for ChoiceOne Financial Services is 3.13x versus 3.50x for Fentura Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    COFS
    ChoiceOne Financial Services
    3.13x 11.17x $25.1M $7.3M
    FETM
    Fentura Financial
    3.50x 19.14x $13.6M $867K
  • Which has Higher Returns COFS or PRK?

    Park National has a net margin of 29.26% compared to ChoiceOne Financial Services's net margin of 27.77%. ChoiceOne Financial Services's return on equity of 11.89% beat Park National's return on equity of 11.8%.

    Company Gross Margin Earnings Per Share Invested Capital
    COFS
    ChoiceOne Financial Services
    -- $0.85 $493.4M
    PRK
    Park National
    -- $2.35 $1.5B
  • What do Analysts Say About COFS or PRK?

    ChoiceOne Financial Services has a consensus price target of $41.00, signalling upside risk potential of 16.11%. On the other hand Park National has an analysts' consensus of -- which suggests that it could grow by 3.43%. Given that ChoiceOne Financial Services has higher upside potential than Park National, analysts believe ChoiceOne Financial Services is more attractive than Park National.

    Company Buy Ratings Hold Ratings Sell Ratings
    COFS
    ChoiceOne Financial Services
    1 0 0
    PRK
    Park National
    0 0 0
  • Is COFS or PRK More Risky?

    ChoiceOne Financial Services has a beta of 0.633, which suggesting that the stock is 36.696% less volatile than S&P 500. In comparison Park National has a beta of 0.718, suggesting its less volatile than the S&P 500 by 28.154%.

  • Which is a Better Dividend Stock COFS or PRK?

    ChoiceOne Financial Services has a quarterly dividend of $0.28 per share corresponding to a yield of 3.09%. Park National offers a yield of 2.42% to investors and pays a quarterly dividend of $1.56 per share. ChoiceOne Financial Services pays 37.2% of its earnings as a dividend. Park National pays out 54.41% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios COFS or PRK?

    ChoiceOne Financial Services quarterly revenues are $25.1M, which are smaller than Park National quarterly revenues of $137.6M. ChoiceOne Financial Services's net income of $7.3M is lower than Park National's net income of $38.2M. Notably, ChoiceOne Financial Services's price-to-earnings ratio is 11.17x while Park National's PE ratio is 20.71x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for ChoiceOne Financial Services is 3.13x versus 5.72x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    COFS
    ChoiceOne Financial Services
    3.13x 11.17x $25.1M $7.3M
    PRK
    Park National
    5.72x 20.71x $137.6M $38.2M
  • Which has Higher Returns COFS or PWOD?

    Penns Woods Bancorp has a net margin of 29.26% compared to ChoiceOne Financial Services's net margin of 27.47%. ChoiceOne Financial Services's return on equity of 11.89% beat Penns Woods Bancorp's return on equity of 10.18%.

    Company Gross Margin Earnings Per Share Invested Capital
    COFS
    ChoiceOne Financial Services
    -- $0.85 $493.4M
    PWOD
    Penns Woods Bancorp
    -- $0.64 $459.5M
  • What do Analysts Say About COFS or PWOD?

    ChoiceOne Financial Services has a consensus price target of $41.00, signalling upside risk potential of 16.11%. On the other hand Penns Woods Bancorp has an analysts' consensus of -- which suggests that it could fall by --. Given that ChoiceOne Financial Services has higher upside potential than Penns Woods Bancorp, analysts believe ChoiceOne Financial Services is more attractive than Penns Woods Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    COFS
    ChoiceOne Financial Services
    1 0 0
    PWOD
    Penns Woods Bancorp
    0 0 0
  • Is COFS or PWOD More Risky?

    ChoiceOne Financial Services has a beta of 0.633, which suggesting that the stock is 36.696% less volatile than S&P 500. In comparison Penns Woods Bancorp has a beta of 0.482, suggesting its less volatile than the S&P 500 by 51.813%.

  • Which is a Better Dividend Stock COFS or PWOD?

    ChoiceOne Financial Services has a quarterly dividend of $0.28 per share corresponding to a yield of 3.09%. Penns Woods Bancorp offers a yield of 4.19% to investors and pays a quarterly dividend of $0.32 per share. ChoiceOne Financial Services pays 37.2% of its earnings as a dividend. Penns Woods Bancorp pays out 55.18% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios COFS or PWOD?

    ChoiceOne Financial Services quarterly revenues are $25.1M, which are larger than Penns Woods Bancorp quarterly revenues of $17.5M. ChoiceOne Financial Services's net income of $7.3M is higher than Penns Woods Bancorp's net income of $4.8M. Notably, ChoiceOne Financial Services's price-to-earnings ratio is 11.17x while Penns Woods Bancorp's PE ratio is 11.57x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for ChoiceOne Financial Services is 3.13x versus 3.43x for Penns Woods Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    COFS
    ChoiceOne Financial Services
    3.13x 11.17x $25.1M $7.3M
    PWOD
    Penns Woods Bancorp
    3.43x 11.57x $17.5M $4.8M

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