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COFS Quote, Financials, Valuation and Earnings

Last price:
$28.56
Seasonality move :
-0.15%
Day range:
$28.35 - $28.86
52-week range:
$21.52 - $38.15
Dividend yield:
3.85%
P/E ratio:
8.78x
P/S ratio:
2.54x
P/B ratio:
1.65x
Volume:
45.1K
Avg. volume:
42.9K
1-year change:
8.99%
Market cap:
$429.3M
Revenue:
$92.4M
EPS (TTM):
$3.25

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
$24M $0.84 44.7% 2.03% $37.33
BHB
Bar Harbor Bankshares
$34.3M $0.69 -6.63% -3.03% $35.50
BHRB
Burke & Herbert Financial Services
$85M $1.79 223.38% 156.52% $79.00
EVBN
Evans Bancorp
$17.3M $0.48 11.21% 38.1% $50.05
MBWM
Mercantile Bank
$57.3M $1.14 -1.13% -11.34% $53.00
PB
Prosperity Bancshares
$303.4M $1.33 15.42% 14.95% $89.33
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
COFS
ChoiceOne Financial Services
$28.55 $37.33 $429.3M 8.78x $0.28 3.85% 2.54x
BHB
Bar Harbor Bankshares
$30.34 $35.50 $464M 10.65x $0.30 3.96% 3.10x
BHRB
Burke & Herbert Financial Services
$58.68 $79.00 $878.3M 24.45x $0.55 3.68% 2.82x
EVBN
Evans Bancorp
$39.01 $50.05 $217.2M 18.14x $0.66 3.38% 3.12x
MBWM
Mercantile Bank
$44.84 $53.00 $727.8M 9.06x $0.37 3.21% 3.12x
PB
Prosperity Bancshares
$71.06 $89.33 $6.8B 14.04x $0.58 3.21% 5.90x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
COFS
ChoiceOne Financial Services
44.73% 1.656 65.96% 3.72x
BHB
Bar Harbor Bankshares
38.8% 1.588 62.19% 2.37x
BHRB
Burke & Herbert Financial Services
39.51% 1.013 50.52% 4.39x
EVBN
Evans Bancorp
37.8% 1.662 46.16% 31.68x
MBWM
Mercantile Bank
47.4% 1.994 73.32% 9.24x
PB
Prosperity Bancshares
30.08% 1.524 44.57% 49.48x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
COFS
ChoiceOne Financial Services
-- -- 5.79% 11.88% 84.16% $23.3M
BHB
Bar Harbor Bankshares
-- -- 6.08% 9.79% 85.73% $12.4M
BHRB
Burke & Herbert Financial Services
-- -- 3.78% 6.39% 75.56% $19.4M
EVBN
Evans Bancorp
-- -- 3.58% 6.65% 86.87% -$4M
MBWM
Mercantile Bank
-- -- 7.08% 14.33% 97.98% $59.3M
PB
Prosperity Bancshares
-- -- 6.07% 6.61% 104.73% -$210.7M

ChoiceOne Financial Services vs. Competitors

  • Which has Higher Returns COFS or BHB?

    Bar Harbor Bankshares has a net margin of 29.41% compared to ChoiceOne Financial Services's net margin of 29.5%. ChoiceOne Financial Services's return on equity of 11.88% beat Bar Harbor Bankshares's return on equity of 9.79%.

    Company Gross Margin Earnings Per Share Invested Capital
    COFS
    ChoiceOne Financial Services
    -- $0.79 $471.2M
    BHB
    Bar Harbor Bankshares
    -- $0.72 $749M
  • What do Analysts Say About COFS or BHB?

    ChoiceOne Financial Services has a consensus price target of $37.33, signalling upside risk potential of 30.77%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $35.50 which suggests that it could grow by 17.01%. 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
    3 0 0
    BHB
    Bar Harbor Bankshares
    0 2 0
  • Is COFS or BHB More Risky?

    ChoiceOne Financial Services has a beta of 0.718, which suggesting that the stock is 28.198% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.710, suggesting its less volatile than the S&P 500 by 29.005%.

  • 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 3.85%. Bar Harbor Bankshares offers a yield of 3.96% to investors and pays a quarterly dividend of $0.30 per share. ChoiceOne Financial Services pays 33.72% of its earnings as a dividend. Bar Harbor Bankshares pays out 40.85% 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 $24.3M, which are smaller than Bar Harbor Bankshares quarterly revenues of $37.3M. ChoiceOne Financial Services's net income of $7.2M is lower than Bar Harbor Bankshares's net income of $11M. Notably, ChoiceOne Financial Services's price-to-earnings ratio is 8.78x while Bar Harbor Bankshares's PE ratio is 10.65x. 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 2.54x versus 3.10x 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
    2.54x 8.78x $24.3M $7.2M
    BHB
    Bar Harbor Bankshares
    3.10x 10.65x $37.3M $11M
  • Which has Higher Returns COFS or BHRB?

    Burke & Herbert Financial Services has a net margin of 29.41% compared to ChoiceOne Financial Services's net margin of 23.99%. ChoiceOne Financial Services's return on equity of 11.88% beat Burke & Herbert Financial Services's return on equity of 6.39%.

    Company Gross Margin Earnings Per Share Invested Capital
    COFS
    ChoiceOne Financial Services
    -- $0.79 $471.2M
    BHRB
    Burke & Herbert Financial Services
    -- $1.30 $1.2B
  • What do Analysts Say About COFS or BHRB?

    ChoiceOne Financial Services has a consensus price target of $37.33, signalling upside risk potential of 30.77%. On the other hand Burke & Herbert Financial Services has an analysts' consensus of $79.00 which suggests that it could grow by 34.64%. Given that Burke & Herbert Financial Services has higher upside potential than ChoiceOne Financial Services, analysts believe Burke & Herbert Financial Services is more attractive than ChoiceOne Financial Services.

    Company Buy Ratings Hold Ratings Sell Ratings
    COFS
    ChoiceOne Financial Services
    3 0 0
    BHRB
    Burke & Herbert Financial Services
    1 0 0
  • Is COFS or BHRB More Risky?

    ChoiceOne Financial Services has a beta of 0.718, which suggesting that the stock is 28.198% less volatile than S&P 500. In comparison Burke & Herbert Financial Services has a beta of 0.159, suggesting its less volatile than the S&P 500 by 84.131%.

  • Which is a Better Dividend Stock COFS or BHRB?

    ChoiceOne Financial Services has a quarterly dividend of $0.28 per share corresponding to a yield of 3.85%. Burke & Herbert Financial Services offers a yield of 3.68% to investors and pays a quarterly dividend of $0.55 per share. ChoiceOne Financial Services pays 33.72% of its earnings as a dividend. Burke & Herbert Financial Services pays out -- of its earnings as a dividend. ChoiceOne Financial Services's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios COFS or BHRB?

    ChoiceOne Financial Services quarterly revenues are $24.3M, which are smaller than Burke & Herbert Financial Services quarterly revenues of $82.5M. ChoiceOne Financial Services's net income of $7.2M is lower than Burke & Herbert Financial Services's net income of $19.8M. Notably, ChoiceOne Financial Services's price-to-earnings ratio is 8.78x while Burke & Herbert Financial Services's PE ratio is 24.45x. 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 2.54x versus 2.82x for Burke & Herbert Financial Services. 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
    2.54x 8.78x $24.3M $7.2M
    BHRB
    Burke & Herbert Financial Services
    2.82x 24.45x $82.5M $19.8M
  • Which has Higher Returns COFS or EVBN?

    Evans Bancorp has a net margin of 29.41% compared to ChoiceOne Financial Services's net margin of 20.42%. ChoiceOne Financial Services's return on equity of 11.88% beat Evans Bancorp's return on equity of 6.65%.

    Company Gross Margin Earnings Per Share Invested Capital
    COFS
    ChoiceOne Financial Services
    -- $0.79 $471.2M
    EVBN
    Evans Bancorp
    -- $0.67 $294.4M
  • What do Analysts Say About COFS or EVBN?

    ChoiceOne Financial Services has a consensus price target of $37.33, signalling upside risk potential of 30.77%. On the other hand Evans Bancorp has an analysts' consensus of $50.05 which suggests that it could grow by 28.3%. 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
    3 0 0
    EVBN
    Evans Bancorp
    0 1 0
  • Is COFS or EVBN More Risky?

    ChoiceOne Financial Services has a beta of 0.718, which suggesting that the stock is 28.198% less volatile than S&P 500. In comparison Evans Bancorp has a beta of 0.973, suggesting its less volatile than the S&P 500 by 2.735%.

  • 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 3.85%. Evans Bancorp offers a yield of 3.38% to investors and pays a quarterly dividend of $0.66 per share. ChoiceOne Financial Services pays 33.72% of its earnings as a dividend. Evans Bancorp pays out 60.97% 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 $24.3M, which are larger than Evans Bancorp quarterly revenues of $18.3M. ChoiceOne Financial Services's net income of $7.2M is higher than Evans Bancorp's net income of $3.7M. Notably, ChoiceOne Financial Services's price-to-earnings ratio is 8.78x while Evans Bancorp's PE ratio is 18.14x. 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 2.54x versus 3.12x 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
    2.54x 8.78x $24.3M $7.2M
    EVBN
    Evans Bancorp
    3.12x 18.14x $18.3M $3.7M
  • Which has Higher Returns COFS or MBWM?

    Mercantile Bank has a net margin of 29.41% compared to ChoiceOne Financial Services's net margin of 33.53%. ChoiceOne Financial Services's return on equity of 11.88% beat Mercantile Bank's return on equity of 14.33%.

    Company Gross Margin Earnings Per Share Invested Capital
    COFS
    ChoiceOne Financial Services
    -- $0.79 $471.2M
    MBWM
    Mercantile Bank
    -- $1.22 $1.1B
  • What do Analysts Say About COFS or MBWM?

    ChoiceOne Financial Services has a consensus price target of $37.33, signalling upside risk potential of 30.77%. On the other hand Mercantile Bank has an analysts' consensus of $53.00 which suggests that it could grow by 18.2%. Given that ChoiceOne Financial Services has higher upside potential than Mercantile Bank, analysts believe ChoiceOne Financial Services is more attractive than Mercantile Bank.

    Company Buy Ratings Hold Ratings Sell Ratings
    COFS
    ChoiceOne Financial Services
    3 0 0
    MBWM
    Mercantile Bank
    1 2 0
  • Is COFS or MBWM More Risky?

    ChoiceOne Financial Services has a beta of 0.718, which suggesting that the stock is 28.198% less volatile than S&P 500. In comparison Mercantile Bank has a beta of 0.981, suggesting its less volatile than the S&P 500 by 1.86%.

  • Which is a Better Dividend Stock COFS or MBWM?

    ChoiceOne Financial Services has a quarterly dividend of $0.28 per share corresponding to a yield of 3.85%. Mercantile Bank offers a yield of 3.21% to investors and pays a quarterly dividend of $0.37 per share. ChoiceOne Financial Services pays 33.72% of its earnings as a dividend. Mercantile Bank pays out 28.24% 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 MBWM?

    ChoiceOne Financial Services quarterly revenues are $24.3M, which are smaller than Mercantile Bank quarterly revenues of $58.5M. ChoiceOne Financial Services's net income of $7.2M is lower than Mercantile Bank's net income of $19.6M. Notably, ChoiceOne Financial Services's price-to-earnings ratio is 8.78x while Mercantile Bank's PE ratio is 9.06x. 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 2.54x versus 3.12x for Mercantile Bank. 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
    2.54x 8.78x $24.3M $7.2M
    MBWM
    Mercantile Bank
    3.12x 9.06x $58.5M $19.6M
  • Which has Higher Returns COFS or PB?

    Prosperity Bancshares has a net margin of 29.41% compared to ChoiceOne Financial Services's net margin of 44.05%. ChoiceOne Financial Services's return on equity of 11.88% beat Prosperity Bancshares's return on equity of 6.61%.

    Company Gross Margin Earnings Per Share Invested Capital
    COFS
    ChoiceOne Financial Services
    -- $0.79 $471.2M
    PB
    Prosperity Bancshares
    -- $1.37 $10.6B
  • What do Analysts Say About COFS or PB?

    ChoiceOne Financial Services has a consensus price target of $37.33, signalling upside risk potential of 30.77%. On the other hand Prosperity Bancshares has an analysts' consensus of $89.33 which suggests that it could grow by 25.72%. Given that ChoiceOne Financial Services has higher upside potential than Prosperity Bancshares, analysts believe ChoiceOne Financial Services is more attractive than Prosperity Bancshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    COFS
    ChoiceOne Financial Services
    3 0 0
    PB
    Prosperity Bancshares
    4 5 0
  • Is COFS or PB More Risky?

    ChoiceOne Financial Services has a beta of 0.718, which suggesting that the stock is 28.198% less volatile than S&P 500. In comparison Prosperity Bancshares has a beta of 0.942, suggesting its less volatile than the S&P 500 by 5.809%.

  • Which is a Better Dividend Stock COFS or PB?

    ChoiceOne Financial Services has a quarterly dividend of $0.28 per share corresponding to a yield of 3.85%. Prosperity Bancshares offers a yield of 3.21% to investors and pays a quarterly dividend of $0.58 per share. ChoiceOne Financial Services pays 33.72% of its earnings as a dividend. Prosperity Bancshares pays out 44.72% 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 PB?

    ChoiceOne Financial Services quarterly revenues are $24.3M, which are smaller than Prosperity Bancshares quarterly revenues of $295.3M. ChoiceOne Financial Services's net income of $7.2M is lower than Prosperity Bancshares's net income of $130.1M. Notably, ChoiceOne Financial Services's price-to-earnings ratio is 8.78x while Prosperity Bancshares's PE ratio is 14.04x. 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 2.54x versus 5.90x for Prosperity Bancshares. 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
    2.54x 8.78x $24.3M $7.2M
    PB
    Prosperity Bancshares
    5.90x 14.04x $295.3M $130.1M

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