COFS
ChoiceOne Financial Services, Inc.
Banks - Regional
Market Cap$471M
5Y Perf.+7.3%
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Stock Comparison
COFS vs CZWI
Revenue, margins, valuation, and 5-year total return — side by side.
CZWI
Citizens Community Bancorp, Inc.
Banks - Regional
Market Cap$203M
5Y Perf.+186.8%
COFS vs CZWI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | COFS | CZWI |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $471M | $203M |
| Revenue (TTM) | $193M | $90M |
| Net Income (TTM) | $28M | $14M |
| Gross Margin | 58.2% | 54.7% |
| Operating Margin | 17.7% | 7.0% |
| Forward P/E | 8.8x | 11.8x |
| Total Debt | $316M | $52M |
| Cash & Equiv. | $88M | $119M |
COFS vs CZWI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
COFS
CZWI
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| ChoiceOne Financial… (COFS) | 100 | 107.3 | +7.3% |
| Citizens Community … (CZWI) | 100 | 286.8 | +186.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: COFS vs CZWI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: COFS leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Citizens Community Bancorp, Inc. is the stronger pick specifically for capital preservation and lower volatility and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
COFS
ChoiceOne Financial Services, Inc.
The Banking Pick
COFS carries the broadest edge in this set and is the clearest fit for growth exposure and bank quality.
- Rev growth 38.7%, EPS growth -38.2%
- NIM 3.1% vs CZWI's 2.9%
- 38.7% NII/revenue growth vs CZWI's -9.4%
Best for: growth exposure and bank quality
CZWI
Citizens Community Bancorp, Inc.
The Banking Pick
CZWI is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 7 yrs, beta 0.46, yield 1.8%
- 157.0% 10Y total return vs COFS's 102.0%
- Lower volatility, beta 0.46, Low D/E 27.6%, current ratio 3015.31x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | COFS | 38.7% NII/revenue growth vs CZWI's -9.4% |
| Value | COFS | Lower P/E (8.8x vs 11.8x) |
| Quality / Margins | COFS | Efficiency ratio 0.4% vs CZWI's 0.5% (lower = leaner) |
| Stability / Safety | CZWI | Beta 0.46 vs COFS's 0.95, lower leverage |
| Dividends | COFS | 3.8% yield, 5-year raise streak, vs CZWI's 1.8% |
| Momentum (1Y) | CZWI | +45.6% vs COFS's +15.0% |
| Efficiency (ROA) | COFS | Efficiency ratio 0.4% vs CZWI's 0.5% |
COFS vs CZWI — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
COFS vs CZWI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLCZWILAGGINGCOFS
COFSChoiceOne Financial S…
1leads
CZWICitizens Community Ba…
4leads
6 Total Categories
CATEGORYLEADERvs COFSMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
COFS3/5
Valuation MetricsMultiples, price ratios, and targets
CZWI4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
CZWI6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
CZWI6/6
Risk & VolatilityBeta, volatility, and downside exposure
CZWI2/2
Analyst OutlookRatings, price targets, and dividends
Tied
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Income & Cash Flow (Last 12 Months)
COFS leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
COFS is the larger business by revenue, generating $193M annually — 2.1x CZWI's $90M. Profitability is closely matched — net margins range from 16.0% (CZWI) to 14.6% (COFS).
| Metric | COFSChoiceOne Financi… | CZWICitizens Communit… |
|---|---|---|
| RevenueTrailing 12 months | $193M | $90M |
| EBITDAEarnings before interest/tax | $49M | $9M |
| Net IncomeAfter-tax profit | $28M | $14M |
| Free Cash FlowCash after capex | $12M | $11M |
| Gross MarginGross profit ÷ Revenue | +58.2% | +54.7% |
| Operating MarginEBIT ÷ Revenue | +17.7% | +7.0% |
| Net MarginNet income ÷ Revenue | +14.6% | +16.0% |
| FCF MarginFCF ÷ Revenue | +12.4% | +11.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +9.5% | +63.0% |
COFS leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
CZWI leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 14.4x trailing earnings, CZWI trades at a 8% valuation discount to COFS's 15.7x P/E. On an enterprise value basis, CZWI's 15.3x EV/EBITDA is more attractive than COFS's 20.5x.
| Metric | COFSChoiceOne Financi… | CZWICitizens Communit… |
|---|---|---|
| Market CapShares × price | $471M | $203M |
| Enterprise ValueMkt cap + debt − cash | $699M | $136M |
| Trailing P/EPrice ÷ TTM EPS | 15.67x | 14.44x |
| Forward P/EPrice ÷ next-FY EPS est. | 8.79x | 11.78x |
| PEG RatioP/E ÷ EPS growth rate | — | 2.85x |
| EV / EBITDAEnterprise value multiple | 20.45x | 15.28x |
| Price / SalesMarket cap ÷ Revenue | 2.44x | 2.25x |
| Price / BookPrice ÷ Book value/share | 0.95x | 1.09x |
| Price / FCFMarket cap ÷ FCF | 19.73x | 19.55x |
CZWI leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
CZWI leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
CZWI delivers a 7.8% return on equity — every $100 of shareholder capital generates $8 in annual profit, vs $6 for COFS. CZWI carries lower financial leverage with a 0.28x debt-to-equity ratio, signaling a more conservative balance sheet compared to COFS's 0.68x. On the Piotroski fundamental quality scale (0–9), CZWI scores 6/9 vs COFS's 4/9, reflecting solid financial health.
| Metric | COFSChoiceOne Financi… | CZWICitizens Communit… |
|---|---|---|
| ROE (TTM)Return on equity | +6.4% | +7.8% |
| ROA (TTM)Return on assets | +0.7% | +0.8% |
| ROICReturn on invested capital | +4.1% | +2.0% |
| ROCEReturn on capital employed | +1.5% | +0.6% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 6 |
| Debt / EquityFinancial leverage | 0.68x | 0.28x |
| Net DebtTotal debt minus cash | $228M | -$67M |
| Cash & Equiv.Liquid assets | $88M | $119M |
| Total DebtShort + long-term debt | $316M | $52M |
| Interest CoverageEBIT ÷ Interest expense | 0.52x | 0.16x |
CZWI leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
CZWI leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CZWI five years ago would be worth $17,124 today (with dividends reinvested), compared to $14,704 for COFS. Over the past 12 months, CZWI leads with a +45.6% total return vs COFS's +15.0%. The 3-year compound annual growth rate (CAGR) favors CZWI at 37.5% vs COFS's 17.3% — a key indicator of consistent wealth creation.
| Metric | COFSChoiceOne Financi… | CZWICitizens Communit… |
|---|---|---|
| YTD ReturnYear-to-date | +9.7% | +21.5% |
| 1-Year ReturnPast 12 months | +15.0% | +45.6% |
| 3-Year ReturnCumulative with dividends | +61.3% | +160.0% |
| 5-Year ReturnCumulative with dividends | +47.0% | +71.2% |
| 10-Year ReturnCumulative with dividends | +102.0% | +157.0% |
| CAGR (3Y)Annualised 3-year return | +17.3% | +37.5% |
CZWI leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
CZWI leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
CZWI is the less volatile stock with a 0.46 beta — it tends to amplify market swings less than COFS's 0.95 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CZWI currently trades 93.2% from its 52-week high vs COFS's 89.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | COFSChoiceOne Financi… | CZWICitizens Communit… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.95x | 0.46x |
| 52-Week HighHighest price in past year | $35.40 | $22.62 |
| 52-Week LowLowest price in past year | $26.10 | $12.83 |
| % of 52W HighCurrent price vs 52-week peak | +89.0% | +93.2% |
| RSI (14)Momentum oscillator 0–100 | 61.4 | 63.7 |
| Avg Volume (50D)Average daily shares traded | 75K | 40K |
CZWI leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — COFS and CZWI each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates COFS as "Buy" and CZWI as "Buy". For income investors, COFS offers the higher dividend yield at 3.85% vs CZWI's 1.76%.
| Metric | COFSChoiceOne Financi… | CZWICitizens Communit… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $34.00 | — |
| # AnalystsCovering analysts | 3 | 2 |
| Dividend YieldAnnual dividend ÷ price | +3.8% | +1.8% |
| Dividend StreakConsecutive years of raises | 5 | 7 |
| Dividend / ShareAnnual DPS | $1.21 | $0.37 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.6% | +3.1% |
Evenly matched — COFS and CZWI each lead in 1 of 2 comparable metrics.
Key Takeaway
CZWI leads in 4 of 6 categories (Valuation Metrics, Profitability & Efficiency). COFS leads in 1 (Income & Cash Flow). 1 tied.
Best OverallCitizens Community Bancorp,… (CZWI)Leads 4 of 6 categories
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COFS vs CZWI: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is COFS or CZWI a better buy right now?
For growth investors, ChoiceOne Financial Services, Inc.
(COFS) is the stronger pick with 38. 7% revenue growth year-over-year, versus -9. 4% for Citizens Community Bancorp, Inc. (CZWI). Citizens Community Bancorp, Inc. (CZWI) offers the better valuation at 14. 4x trailing P/E (11. 8x forward), making it the more compelling value choice. Analysts rate ChoiceOne Financial Services, Inc. (COFS) a "Buy" — based on 3 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — COFS or CZWI?
On trailing P/E, Citizens Community Bancorp, Inc.
(CZWI) is the cheapest at 14. 4x versus ChoiceOne Financial Services, Inc. at 15. 7x. On forward P/E, ChoiceOne Financial Services, Inc. is actually cheaper at 8. 8x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — COFS or CZWI?
Over the past 5 years, Citizens Community Bancorp, Inc.
(CZWI) delivered a total return of +71. 2%, compared to +47. 0% for ChoiceOne Financial Services, Inc. (COFS). Over 10 years, the gap is even starker: CZWI returned +157. 0% versus COFS's +102. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — COFS or CZWI?
By beta (market sensitivity over 5 years), Citizens Community Bancorp, Inc.
(CZWI) is the lower-risk stock at 0. 46β versus ChoiceOne Financial Services, Inc. 's 0. 95β — meaning COFS is approximately 107% more volatile than CZWI relative to the S&P 500. On balance sheet safety, Citizens Community Bancorp, Inc. (CZWI) carries a lower debt/equity ratio of 28% versus 68% for ChoiceOne Financial Services, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — COFS or CZWI?
By revenue growth (latest reported year), ChoiceOne Financial Services, Inc.
(COFS) is pulling ahead at 38. 7% versus -9. 4% for Citizens Community Bancorp, Inc. (CZWI). On earnings-per-share growth, the picture is similar: Citizens Community Bancorp, Inc. grew EPS 9. 0% year-over-year, compared to -38. 2% for ChoiceOne Financial Services, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — COFS or CZWI?
Citizens Community Bancorp, Inc.
(CZWI) is the more profitable company, earning 16. 0% net margin versus 14. 6% for ChoiceOne Financial Services, Inc. — meaning it keeps 16. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: COFS leads at 17. 7% versus 7. 0% for CZWI. At the gross margin level — before operating expenses — COFS leads at 58. 2%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is COFS or CZWI more undervalued right now?
On forward earnings alone, ChoiceOne Financial Services, Inc.
(COFS) trades at 8. 8x forward P/E versus 11. 8x for Citizens Community Bancorp, Inc. — 3. 0x cheaper on a one-year earnings basis.
08Which pays a better dividend — COFS or CZWI?
All stocks in this comparison pay dividends.
ChoiceOne Financial Services, Inc. (COFS) offers the highest yield at 3. 8%, versus 1. 8% for Citizens Community Bancorp, Inc. (CZWI).
09Is COFS or CZWI better for a retirement portfolio?
For long-horizon retirement investors, Citizens Community Bancorp, Inc.
(CZWI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 46), 1. 8% yield, +157. 0% 10Y return). Both have compounded well over 10 years (CZWI: +157. 0%, COFS: +102. 0%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between COFS and CZWI?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: COFS is a small-cap high-growth stock; CZWI is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(COFS: 38.7% · CZWI: -9.4%)Net Margin>
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(COFS: 14.6% · CZWI: 16.0%)P/E Ratio<
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