BY
Price
$26.75
Change
+$0.31 (+1.17%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
1.23B
64 days until earnings call
Intraday BUY SELL Signals
COFS
Price
$28.68
Change
+$0.04 (+0.14%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
430.28M
70 days until earnings call
Intraday BUY SELL Signals
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BY vs COFS

Header iconBY vs COFS Comparison
Open Charts BY vs COFSBanner chart's image
Byline Ban
Price$26.75
Change+$0.31 (+1.17%)
Volume$3.84K
Capitalization1.23B
ChoiceOne Financial Services
Price$28.68
Change+$0.04 (+0.14%)
Volume$1.74K
Capitalization430.28M
BY vs COFS Comparison Chart in %
BY
Daily Signal:
Gain/Loss:
COFS
Daily Signal:
Gain/Loss:
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VS
BY vs. COFS commentary
Nov 20, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BY is a Hold and COFS is a Hold.

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COMPARISON
Comparison
Nov 20, 2025
Stock price -- (BY: $26.44 vs. COFS: $28.64)
Brand notoriety: BY and COFS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: BY: 99% vs. COFS: 85%
Market capitalization -- BY: $1.23B vs. COFS: $431.03M
BY [@Regional Banks] is valued at $1.23B. COFS’s [@Regional Banks] market capitalization is $431.03M. The market cap for tickers in the [@Regional Banks] industry ranges from $172.58B to $0. The average market capitalization across the [@Regional Banks] industry is $8.01B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

BY’s FA Score shows that 1 FA rating(s) are green whileCOFS’s FA Score has 1 green FA rating(s).

  • BY’s FA Score: 1 green, 4 red.
  • COFS’s FA Score: 1 green, 4 red.
According to our system of comparison, BY is a better buy in the long-term than COFS.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

BY’s TA Score shows that 2 TA indicator(s) are bullish while COFS’s TA Score has 4 bullish TA indicator(s).

  • BY’s TA Score: 2 bullish, 6 bearish.
  • COFS’s TA Score: 4 bullish, 5 bearish.
According to our system of comparison, COFS is a better buy in the short-term than BY.

Price Growth

BY (@Regional Banks) experienced а -3.75% price change this week, while COFS (@Regional Banks) price change was -2.22% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.96%. For the same industry, the average monthly price growth was +1.62%, and the average quarterly price growth was +11.33%.

Reported Earning Dates

BY is expected to report earnings on Jan 22, 2026.

COFS is expected to report earnings on Jan 28, 2026.

Industries' Descriptions

@Regional Banks (-0.96% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
BY($1.23B) has a higher market cap than COFS($430M). COFS has higher P/E ratio than BY: COFS (15.57) vs BY (9.55). BY YTD gains are higher at: -7.456 vs. COFS (-17.303). COFS has more cash in the bank: 155M vs. BY (75.1M). COFS has less debt than BY: COFS (247M) vs BY (525M). BY has higher revenues than COFS: BY (416M) vs COFS (124M).
BYCOFSBY / COFS
Capitalization1.23B430M285%
EBITDAN/AN/A-
Gain YTD-7.456-17.30343%
P/E Ratio9.5515.5761%
Revenue416M124M335%
Total Cash75.1M155M48%
Total Debt525M247M213%
FUNDAMENTALS RATINGS
BY vs COFS: Fundamental Ratings
BY
COFS
OUTLOOK RATING
1..100
1217
VALUATION
overvalued / fair valued / undervalued
1..100
40
Fair valued
55
Fair valued
PROFIT vs RISK RATING
1..100
3774
SMR RATING
1..100
1951
PRICE GROWTH RATING
1..100
5956
P/E GROWTH RATING
1..100
6214
SEASONALITY SCORE
1..100
5075

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

BY's Valuation (40) in the Regional Banks industry is in the same range as COFS (55) in the null industry. This means that BY’s stock grew similarly to COFS’s over the last 12 months.

BY's Profit vs Risk Rating (37) in the Regional Banks industry is somewhat better than the same rating for COFS (74) in the null industry. This means that BY’s stock grew somewhat faster than COFS’s over the last 12 months.

BY's SMR Rating (19) in the Regional Banks industry is in the same range as COFS (51) in the null industry. This means that BY’s stock grew similarly to COFS’s over the last 12 months.

COFS's Price Growth Rating (56) in the null industry is in the same range as BY (59) in the Regional Banks industry. This means that COFS’s stock grew similarly to BY’s over the last 12 months.

COFS's P/E Growth Rating (14) in the null industry is somewhat better than the same rating for BY (62) in the Regional Banks industry. This means that COFS’s stock grew somewhat faster than BY’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BYCOFS
RSI
ODDS (%)
N/A
Bullish Trend 2 days ago
68%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
64%
Bullish Trend 2 days ago
69%
Momentum
ODDS (%)
Bearish Trend 2 days ago
63%
Bearish Trend 2 days ago
65%
MACD
ODDS (%)
Bearish Trend 2 days ago
68%
Bearish Trend 2 days ago
62%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
61%
Bearish Trend 2 days ago
60%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
57%
Bullish Trend 2 days ago
62%
Advances
ODDS (%)
Bullish Trend 8 days ago
58%
Bullish Trend 7 days ago
66%
Declines
ODDS (%)
Bearish Trend 2 days ago
60%
Bearish Trend 9 days ago
56%
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
62%
Bearish Trend 2 days ago
64%
Aroon
ODDS (%)
Bearish Trend 2 days ago
55%
N/A
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BY
Daily Signal:
Gain/Loss:
COFS
Daily Signal:
Gain/Loss:
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COFS and

Correlation & Price change

A.I.dvisor indicates that over the last year, COFS has been closely correlated with BY. These tickers have moved in lockstep 79% of the time. This A.I.-generated data suggests there is a high statistical probability that if COFS jumps, then BY could also see price increases.

1D
1W
1M
1Q
6M
1Y
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Ticker /
NAME
Correlation
To COFS
1D Price
Change %
COFS100%
+0.14%
BY - COFS
79%
Closely correlated
-0.34%
FISI - COFS
78%
Closely correlated
-0.74%
ASB - COFS
77%
Closely correlated
+1.70%
HBNC - COFS
77%
Closely correlated
-0.16%
FHB - COFS
77%
Closely correlated
+1.26%
More