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
FISI
Price
$28.60
Change
+$0.29 (+1.02%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
569.9M
71 days until earnings call
Intraday BUY SELL Signals
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COFS vs FISI

Header iconCOFS vs FISI Comparison
Open Charts COFS vs FISIBanner chart's image
ChoiceOne Financial Services
Price$28.68
Change+$0.04 (+0.14%)
Volume$1.74K
Capitalization430.28M
Financial Institutions
Price$28.60
Change+$0.29 (+1.02%)
Volume$1.97K
Capitalization569.9M
COFS vs FISI Comparison Chart in %
COFS
Daily Signal:
Gain/Loss:
FISI
Daily Signal:
Gain/Loss:
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VS
COFS vs. FISI 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 COFS is a Hold and FISI is a Hold.

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COMPARISON
Comparison
Nov 20, 2025
Stock price -- (COFS: $28.64 vs. FISI: $28.31)
Brand notoriety: COFS and FISI are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: COFS: 85% vs. FISI: 77%
Market capitalization -- COFS: $431.03M vs. FISI: $575.73M
COFS [@Regional Banks] is valued at $431.03M. FISI’s [@Regional Banks] market capitalization is $575.73M. 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).

COFS’s FA Score shows that 1 FA rating(s) are green whileFISI’s FA Score has 2 green FA rating(s).

  • COFS’s FA Score: 1 green, 4 red.
  • FISI’s FA Score: 2 green, 3 red.
According to our system of comparison, FISI 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.

COFS’s TA Score shows that 4 TA indicator(s) are bullish while FISI’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

COFS (@Regional Banks) experienced а -2.22% price change this week, while FISI (@Regional Banks) price change was -4.68% 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

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

FISI is expected to report earnings on Jan 29, 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
FISI($570M) has a higher market cap than COFS($430M). COFS has higher P/E ratio than FISI: COFS (15.57) vs FISI (8.32). FISI YTD gains are higher at: 7.485 vs. COFS (-17.303). COFS has more cash in the bank: 155M vs. FISI (72.2M). COFS (247M) and FISI (248M) have identical debt. COFS has higher revenues than FISI: COFS (124M) vs FISI (116M).
COFSFISICOFS / FISI
Capitalization430M570M75%
EBITDAN/AN/A-
Gain YTD-17.3037.485-231%
P/E Ratio15.578.32187%
Revenue124M116M107%
Total Cash155M72.2M215%
Total Debt247M248M100%
FUNDAMENTALS RATINGS
COFS vs FISI: Fundamental Ratings
COFS
FISI
OUTLOOK RATING
1..100
1784
VALUATION
overvalued / fair valued / undervalued
1..100
55
Fair valued
17
Undervalued
PROFIT vs RISK RATING
1..100
7443
SMR RATING
1..100
5159
PRICE GROWTH RATING
1..100
5645
P/E GROWTH RATING
1..100
1417
SEASONALITY SCORE
1..100
7548

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.

FISI's Valuation (17) in the Regional Banks industry is somewhat better than the same rating for COFS (55) in the null industry. This means that FISI’s stock grew somewhat faster than COFS’s over the last 12 months.

FISI's Profit vs Risk Rating (43) in the Regional Banks industry is in the same range as COFS (74) in the null industry. This means that FISI’s stock grew similarly to COFS’s over the last 12 months.

COFS's SMR Rating (51) in the null industry is in the same range as FISI (59) in the Regional Banks industry. This means that COFS’s stock grew similarly to FISI’s over the last 12 months.

FISI's Price Growth Rating (45) in the Regional Banks industry is in the same range as COFS (56) in the null industry. This means that FISI’s stock grew similarly to COFS’s over the last 12 months.

COFS's P/E Growth Rating (14) in the null industry is in the same range as FISI (17) in the Regional Banks industry. This means that COFS’s stock grew similarly to FISI’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
COFSFISI
RSI
ODDS (%)
Bullish Trend 2 days ago
68%
Bearish Trend 2 days ago
66%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
69%
Bullish Trend 2 days ago
66%
Momentum
ODDS (%)
Bearish Trend 2 days ago
65%
Bearish Trend 2 days ago
60%
MACD
ODDS (%)
Bearish Trend 2 days ago
62%
Bearish Trend 2 days ago
67%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
60%
Bearish Trend 2 days ago
61%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
62%
Bullish Trend 2 days ago
61%
Advances
ODDS (%)
Bullish Trend 7 days ago
66%
Bullish Trend 10 days ago
64%
Declines
ODDS (%)
Bearish Trend 9 days ago
56%
Bearish Trend 2 days ago
57%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
64%
Bearish Trend 2 days ago
61%
Aroon
ODDS (%)
N/A
Bullish Trend 2 days ago
56%
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COFS
Daily Signal:
Gain/Loss:
FISI
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
5Y
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

FISI and

Correlation & Price change

A.I.dvisor indicates that over the last year, FISI has been closely correlated with HTBK. These tickers have moved in lockstep 83% of the time. This A.I.-generated data suggests there is a high statistical probability that if FISI jumps, then HTBK could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FISI
1D Price
Change %
FISI100%
-0.74%
HTBK - FISI
83%
Closely correlated
+0.39%
IBOC - FISI
83%
Closely correlated
+0.82%
SBCF - FISI
82%
Closely correlated
+1.16%
TCBK - FISI
81%
Closely correlated
+0.63%
IBCP - FISI
81%
Closely correlated
N/A
More