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COFS Quote, Financials, Valuation and Earnings
Last price:
$28.15
Seasonality move
:
-2.32%
Day range:
$28.04 - $28.66
52-week range:
$24.89 - $35.40
Dividend yield:
4.02%
P/E ratio:
20.64x
P/S ratio:
1.73x
P/B ratio:
0.94x
Volume:
82.1K
Avg. volume:
136.3K
1-year change:
-16.9%
Market cap:
$422.5M
Revenue:
$138.9M
EPS (TTM):
$1.36
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, Inc.
|
$43.9M | $0.90 | 21.4% | 14.67% | $34.67 |
|
COLB
Columbia Banking System, Inc.
|
$693.5M | $0.72 | -4.56% | 4.7% | $30.96 |
|
CZNC
Citizens & Northern Corp.
|
$35.4M | $0.58 | -13.4% | 10.48% | $22.50 |
|
HTBK
Heritage Commerce Corp.
|
$50.8M | $0.23 | -24% | 34.73% | $14.50 |
|
MSBI
Midland States Bancorp, Inc.
|
$73.6M | $0.75 | -61.06% | -22.52% | $22.00 |
|
ONB
Old National Bancorp
|
$706.2M | $0.59 | -6.95% | 25.57% | $26.15 |
| Company | Price | Analyst Target | Market Cap | P/E Ratio | Dividend per Share | Dividend Yield | Price / LTM Sales |
|---|---|---|---|---|---|---|---|
|
COFS
ChoiceOne Financial Services, Inc.
|
$28.12 | $34.67 | $422.5M | 20.64x | $0.29 | 4.02% | 1.73x |
|
COLB
Columbia Banking System, Inc.
|
$29.05 | $30.96 | $8.7B | 13.07x | $0.37 | 4.99% | 2.11x |
|
CZNC
Citizens & Northern Corp.
|
$20.47 | $22.50 | $364.4M | 11.70x | $0.28 | 5.47% | 1.95x |
|
HTBK
Heritage Commerce Corp.
|
$12.52 | $14.50 | $767.3M | 17.81x | $0.13 | 4.15% | 2.91x |
|
MSBI
Midland States Bancorp, Inc.
|
$21.78 | $22.00 | $469.4M | 8.85x | $0.32 | 5.79% | 0.86x |
|
ONB
Old National Bancorp
|
$23.27 | $26.15 | $9.1B | 13.68x | $0.14 | 2.41% | 2.32x |
| Company | Total Debt / Total Capital | Beta | Debt to Equity | Quick Ratio |
|---|---|---|---|---|
|
COFS
ChoiceOne Financial Services, Inc.
|
35.38% | 0.625 | 56.59% | 0.00x |
|
COLB
Columbia Banking System, Inc.
|
28.29% | 0.974 | 39.91% | 0.00x |
|
CZNC
Citizens & Northern Corp.
|
37.22% | 0.493 | 56.63% | 0.00x |
|
HTBK
Heritage Commerce Corp.
|
8.9% | 0.723 | 11.24% | 0.00x |
|
MSBI
Midland States Bancorp, Inc.
|
51.02% | 0.119 | 126.77% | 0.00x |
|
ONB
Old National Bancorp
|
45.72% | 0.795 | 79.47% | 0.00x |
| Company | Gross Profit | Operating Income | Return on Invested Capital | Return on Common Equity | EBIT Margin | Free Cash Flow |
|---|---|---|---|---|---|---|
|
COFS
ChoiceOne Financial Services, Inc.
|
-- | $18.3M | 3.64% | 5.91% | 57.71% | $13.7M |
|
COLB
Columbia Banking System, Inc.
|
-- | $206M | 5.04% | 8.32% | 43.38% | $227.9M |
|
CZNC
Citizens & Northern Corp.
|
-- | $8.9M | 5.6% | 9.51% | 47.39% | $8.5M |
|
HTBK
Heritage Commerce Corp.
|
-- | $20.6M | 5.68% | 6.25% | 56.9% | $19.1M |
|
MSBI
Midland States Bancorp, Inc.
|
-- | $11.3M | -10.06% | -18.85% | 41.09% | $78.6M |
|
ONB
Old National Bancorp
|
-- | $301.9M | 4.52% | 8.5% | 54.9% | $333.6M |
ChoiceOne Financial Services, Inc. vs. Competitors
-
Which has Higher Returns COFS or COLB?
Columbia Banking System, Inc. has a net margin of 23.92% compared to ChoiceOne Financial Services, Inc.'s net margin of 11.77%. ChoiceOne Financial Services, Inc.'s return on equity of 5.91% beat Columbia Banking System, Inc.'s return on equity of 8.32%.
Company Gross Margin Earnings Per Share Invested Capital COFSChoiceOne Financial Services, Inc.-- $0.97 $695.7M COLBColumbia Banking System, Inc.-- $0.40 $10.9B -
What do Analysts Say About COFS or COLB?
ChoiceOne Financial Services, Inc. has a consensus price target of $34.67, signalling upside risk potential of 23.28%. On the other hand Columbia Banking System, Inc. has an analysts' consensus of $30.96 which suggests that it could grow by 6.58%. Given that ChoiceOne Financial Services, Inc. has higher upside potential than Columbia Banking System, Inc., analysts believe ChoiceOne Financial Services, Inc. is more attractive than Columbia Banking System, Inc..
Company Buy Ratings Hold Ratings Sell Ratings COFSChoiceOne Financial Services, Inc.2 1 0 COLBColumbia Banking System, Inc.2 9 0 -
Is COFS or COLB More Risky?
ChoiceOne Financial Services, Inc. has a beta of 0.610, which suggesting that the stock is 39% less volatile than S&P 500. In comparison Columbia Banking System, Inc. has a beta of 0.597, suggesting its less volatile than the S&P 500 by 40.325%.
-
Which is a Better Dividend Stock COFS or COLB?
ChoiceOne Financial Services, Inc. has a quarterly dividend of $0.29 per share corresponding to a yield of 4.02%. Columbia Banking System, Inc. offers a yield of 4.99% to investors and pays a quarterly dividend of $0.37 per share. ChoiceOne Financial Services, Inc. pays 33.53% of its earnings as a dividend. Columbia Banking System, Inc. pays out 56.48% 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 COLB?
ChoiceOne Financial Services, Inc. quarterly revenues are $61.4M, which are smaller than Columbia Banking System, Inc. quarterly revenues of $816M. ChoiceOne Financial Services, Inc.'s net income of $14.7M is lower than Columbia Banking System, Inc.'s net income of $96M. Notably, ChoiceOne Financial Services, Inc.'s price-to-earnings ratio is 20.64x while Columbia Banking System, Inc.'s PE ratio is 13.07x. 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, Inc. is 1.73x versus 2.11x for Columbia Banking System, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income COFSChoiceOne Financial Services, Inc.1.73x 20.64x $61.4M $14.7M COLBColumbia Banking System, Inc.2.11x 13.07x $816M $96M
-
Which has Higher Returns COFS or CZNC?
Citizens & Northern Corp. has a net margin of 23.92% compared to ChoiceOne Financial Services, Inc.'s net margin of 15.87%. ChoiceOne Financial Services, Inc.'s return on equity of 5.91% beat Citizens & Northern Corp.'s return on equity of 9.51%.
Company Gross Margin Earnings Per Share Invested Capital COFSChoiceOne Financial Services, Inc.-- $0.97 $695.7M CZNCCitizens & Northern Corp.-- $0.42 $468.2M -
What do Analysts Say About COFS or CZNC?
ChoiceOne Financial Services, Inc. has a consensus price target of $34.67, signalling upside risk potential of 23.28%. On the other hand Citizens & Northern Corp. has an analysts' consensus of $22.50 which suggests that it could grow by 9.92%. Given that ChoiceOne Financial Services, Inc. has higher upside potential than Citizens & Northern Corp., analysts believe ChoiceOne Financial Services, Inc. is more attractive than Citizens & Northern Corp..
Company Buy Ratings Hold Ratings Sell Ratings COFSChoiceOne Financial Services, Inc.2 1 0 CZNCCitizens & Northern Corp.0 1 0 -
Is COFS or CZNC More Risky?
ChoiceOne Financial Services, Inc. has a beta of 0.610, which suggesting that the stock is 39% less volatile than S&P 500. In comparison Citizens & Northern Corp. has a beta of 0.555, suggesting its less volatile than the S&P 500 by 44.5%.
-
Which is a Better Dividend Stock COFS or CZNC?
ChoiceOne Financial Services, Inc. has a quarterly dividend of $0.29 per share corresponding to a yield of 4.02%. Citizens & Northern Corp. offers a yield of 5.47% to investors and pays a quarterly dividend of $0.28 per share. ChoiceOne Financial Services, Inc. pays 33.53% of its earnings as a dividend. Citizens & Northern Corp. pays out 66.39% 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 CZNC?
ChoiceOne Financial Services, Inc. quarterly revenues are $61.4M, which are larger than Citizens & Northern Corp. quarterly revenues of $40.9M. ChoiceOne Financial Services, Inc.'s net income of $14.7M is higher than Citizens & Northern Corp.'s net income of $6.5M. Notably, ChoiceOne Financial Services, Inc.'s price-to-earnings ratio is 20.64x while Citizens & Northern Corp.'s PE ratio is 11.70x. 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, Inc. is 1.73x versus 1.95x for Citizens & Northern Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income COFSChoiceOne Financial Services, Inc.1.73x 20.64x $61.4M $14.7M CZNCCitizens & Northern Corp.1.95x 11.70x $40.9M $6.5M
-
Which has Higher Returns COFS or HTBK?
Heritage Commerce Corp. has a net margin of 23.92% compared to ChoiceOne Financial Services, Inc.'s net margin of 21.52%. ChoiceOne Financial Services, Inc.'s return on equity of 5.91% beat Heritage Commerce Corp.'s return on equity of 6.25%.
Company Gross Margin Earnings Per Share Invested Capital COFSChoiceOne Financial Services, Inc.-- $0.97 $695.7M HTBKHeritage Commerce Corp.-- $0.24 $768.4M -
What do Analysts Say About COFS or HTBK?
ChoiceOne Financial Services, Inc. has a consensus price target of $34.67, signalling upside risk potential of 23.28%. On the other hand Heritage Commerce Corp. has an analysts' consensus of $14.50 which suggests that it could grow by 15.82%. Given that ChoiceOne Financial Services, Inc. has higher upside potential than Heritage Commerce Corp., analysts believe ChoiceOne Financial Services, Inc. is more attractive than Heritage Commerce Corp..
Company Buy Ratings Hold Ratings Sell Ratings COFSChoiceOne Financial Services, Inc.2 1 0 HTBKHeritage Commerce Corp.0 4 0 -
Is COFS or HTBK More Risky?
ChoiceOne Financial Services, Inc. has a beta of 0.610, which suggesting that the stock is 39% less volatile than S&P 500. In comparison Heritage Commerce Corp. has a beta of 0.798, suggesting its less volatile than the S&P 500 by 20.167%.
-
Which is a Better Dividend Stock COFS or HTBK?
ChoiceOne Financial Services, Inc. has a quarterly dividend of $0.29 per share corresponding to a yield of 4.02%. Heritage Commerce Corp. offers a yield of 4.15% to investors and pays a quarterly dividend of $0.13 per share. ChoiceOne Financial Services, Inc. pays 33.53% of its earnings as a dividend. Heritage Commerce Corp. pays out 78.94% 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 HTBK?
ChoiceOne Financial Services, Inc. quarterly revenues are $61.4M, which are smaller than Heritage Commerce Corp. quarterly revenues of $68.3M. ChoiceOne Financial Services, Inc.'s net income of $14.7M is lower than Heritage Commerce Corp.'s net income of $14.7M. Notably, ChoiceOne Financial Services, Inc.'s price-to-earnings ratio is 20.64x while Heritage Commerce Corp.'s PE ratio is 17.81x. 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, Inc. is 1.73x versus 2.91x for Heritage Commerce Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income COFSChoiceOne Financial Services, Inc.1.73x 20.64x $61.4M $14.7M HTBKHeritage Commerce Corp.2.91x 17.81x $68.3M $14.7M
-
Which has Higher Returns COFS or MSBI?
Midland States Bancorp, Inc. has a net margin of 23.92% compared to ChoiceOne Financial Services, Inc.'s net margin of 6.27%. ChoiceOne Financial Services, Inc.'s return on equity of 5.91% beat Midland States Bancorp, Inc.'s return on equity of -18.85%.
Company Gross Margin Earnings Per Share Invested Capital COFSChoiceOne Financial Services, Inc.-- $0.97 $695.7M MSBIMidland States Bancorp, Inc.-- $0.24 $1.2B -
What do Analysts Say About COFS or MSBI?
ChoiceOne Financial Services, Inc. has a consensus price target of $34.67, signalling upside risk potential of 23.28%. On the other hand Midland States Bancorp, Inc. has an analysts' consensus of $22.00 which suggests that it could grow by 1.01%. Given that ChoiceOne Financial Services, Inc. has higher upside potential than Midland States Bancorp, Inc., analysts believe ChoiceOne Financial Services, Inc. is more attractive than Midland States Bancorp, Inc..
Company Buy Ratings Hold Ratings Sell Ratings COFSChoiceOne Financial Services, Inc.2 1 0 MSBIMidland States Bancorp, Inc.0 5 0 -
Is COFS or MSBI More Risky?
ChoiceOne Financial Services, Inc. has a beta of 0.610, which suggesting that the stock is 39% less volatile than S&P 500. In comparison Midland States Bancorp, Inc. has a beta of 0.656, suggesting its less volatile than the S&P 500 by 34.364%.
-
Which is a Better Dividend Stock COFS or MSBI?
ChoiceOne Financial Services, Inc. has a quarterly dividend of $0.29 per share corresponding to a yield of 4.02%. Midland States Bancorp, Inc. offers a yield of 5.79% to investors and pays a quarterly dividend of $0.32 per share. ChoiceOne Financial Services, Inc. pays 33.53% of its earnings as a dividend. Midland States Bancorp, Inc. pays out 94.09% 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 MSBI?
ChoiceOne Financial Services, Inc. quarterly revenues are $61.4M, which are smaller than Midland States Bancorp, Inc. quarterly revenues of $118.5M. ChoiceOne Financial Services, Inc.'s net income of $14.7M is higher than Midland States Bancorp, Inc.'s net income of $7.4M. Notably, ChoiceOne Financial Services, Inc.'s price-to-earnings ratio is 20.64x while Midland States Bancorp, Inc.'s PE ratio is 8.85x. 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, Inc. is 1.73x versus 0.86x for Midland States Bancorp, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income COFSChoiceOne Financial Services, Inc.1.73x 20.64x $61.4M $14.7M MSBIMidland States Bancorp, Inc.0.86x 8.85x $118.5M $7.4M
-
Which has Higher Returns COFS or ONB?
Old National Bancorp has a net margin of 23.92% compared to ChoiceOne Financial Services, Inc.'s net margin of 17.43%. ChoiceOne Financial Services, Inc.'s return on equity of 5.91% beat Old National Bancorp's return on equity of 8.5%.
Company Gross Margin Earnings Per Share Invested Capital COFSChoiceOne Financial Services, Inc.-- $0.97 $695.7M ONBOld National Bancorp-- $0.46 $15.3B -
What do Analysts Say About COFS or ONB?
ChoiceOne Financial Services, Inc. has a consensus price target of $34.67, signalling upside risk potential of 23.28%. On the other hand Old National Bancorp has an analysts' consensus of $26.15 which suggests that it could grow by 12.39%. Given that ChoiceOne Financial Services, Inc. has higher upside potential than Old National Bancorp, analysts believe ChoiceOne Financial Services, Inc. is more attractive than Old National Bancorp.
Company Buy Ratings Hold Ratings Sell Ratings COFSChoiceOne Financial Services, Inc.2 1 0 ONBOld National Bancorp5 5 0 -
Is COFS or ONB More Risky?
ChoiceOne Financial Services, Inc. has a beta of 0.610, which suggesting that the stock is 39% less volatile than S&P 500. In comparison Old National Bancorp has a beta of 0.837, suggesting its less volatile than the S&P 500 by 16.325%.
-
Which is a Better Dividend Stock COFS or ONB?
ChoiceOne Financial Services, Inc. has a quarterly dividend of $0.29 per share corresponding to a yield of 4.02%. Old National Bancorp offers a yield of 2.41% to investors and pays a quarterly dividend of $0.14 per share. ChoiceOne Financial Services, Inc. pays 33.53% of its earnings as a dividend. Old National Bancorp pays out 33.3% 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 ONB?
ChoiceOne Financial Services, Inc. quarterly revenues are $61.4M, which are smaller than Old National Bancorp quarterly revenues of $1B. ChoiceOne Financial Services, Inc.'s net income of $14.7M is lower than Old National Bancorp's net income of $182.6M. Notably, ChoiceOne Financial Services, Inc.'s price-to-earnings ratio is 20.64x while Old National Bancorp's PE ratio is 13.68x. 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, Inc. is 1.73x versus 2.32x for Old National Bancorp. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income COFSChoiceOne Financial Services, Inc.1.73x 20.64x $61.4M $14.7M ONBOld National Bancorp2.32x 13.68x $1B $182.6M
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