COFS
Price
$28.42
Change
+$0.32 (+1.14%)
Updated
Oct 3 closing price
Capitalization
421.92M
17 days until earnings call
PFLC
Price
$11.99
Change
+$0.40 (+3.45%)
Updated
Oct 2 closing price
Capitalization
120.14M
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COFS vs PFLC

Header iconCOFS vs PFLC Comparison
Open Charts COFS vs PFLCBanner chart's image
ChoiceOne Financial Services
Price$28.42
Change+$0.32 (+1.14%)
Volume$189.91K
Capitalization421.92M
Pacific Financial
Price$11.99
Change+$0.40 (+3.45%)
Volume$1.7K
Capitalization120.14M
COFS vs PFLC Comparison Chart in %
COFS
Daily Signalchanged days ago
Gain/Loss if bought
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PFLC
Daily Signalchanged days ago
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COFS vs. PFLC commentary
Oct 06, 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 PFLC is a StrongBuy.

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COMPARISON
Comparison
Oct 06, 2025
Stock price -- (COFS: $28.42 vs. PFLC: $11.99)
Brand notoriety: COFS and PFLC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: COFS: 274% vs. PFLC: 49%
Market capitalization -- COFS: $421.92M vs. PFLC: $120.14M
COFS [@Regional Banks] is valued at $421.92M. PFLC’s [@Regional Banks] market capitalization is $120.14M. The market cap for tickers in the [@Regional Banks] industry ranges from $167.13B to $0. The average market capitalization across the [@Regional Banks] industry is $7.9B.

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 whilePFLC’s FA Score has 2 green FA rating(s).

  • COFS’s FA Score: 1 green, 4 red.
  • PFLC’s FA Score: 2 green, 3 red.
According to our system of comparison, PFLC 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 PFLC’s TA Score has 4 bullish TA indicator(s).

  • COFS’s TA Score: 4 bullish, 6 bearish.
  • PFLC’s TA Score: 4 bullish, 3 bearish.
According to our system of comparison, PFLC is a better buy in the short-term than COFS.

Price Growth

COFS (@Regional Banks) experienced а -3.17% price change this week, while PFLC (@Regional Banks) price change was +3.47% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.44%. For the same industry, the average monthly price growth was +0.68%, and the average quarterly price growth was +19.54%.

Reported Earning Dates

COFS is expected to report earnings on Oct 22, 2025.

Industries' Descriptions

@Regional Banks (-0.44% 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
COFS($422M) has a higher market cap than PFLC($120M). COFS has higher P/E ratio than PFLC: COFS (17.45) vs PFLC (12.11). PFLC YTD gains are higher at: -0.019 vs. COFS (-17.938). COFS has more cash in the bank: 155M vs. PFLC (19.3M). PFLC has less debt than COFS: PFLC (13.4M) vs COFS (247M). COFS has higher revenues than PFLC: COFS (124M) vs PFLC (51.6M).
COFSPFLCCOFS / PFLC
Capitalization422M120M352%
EBITDAN/AN/A-
Gain YTD-17.938-0.01995,945%
P/E Ratio17.4512.11144%
Revenue124M51.6M240%
Total Cash155M19.3M803%
Total Debt247M13.4M1,843%
FUNDAMENTALS RATINGS
COFS vs PFLC: Fundamental Ratings
COFS
PFLC
OUTLOOK RATING
1..100
5550
VALUATION
overvalued / fair valued / undervalued
1..100
57
Fair valued
28
Undervalued
PROFIT vs RISK RATING
1..100
7320
SMR RATING
1..100
5357
PRICE GROWTH RATING
1..100
6149
P/E GROWTH RATING
1..100
1137
SEASONALITY SCORE
1..100
8555

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.

PFLC's Valuation (28) in the null industry is in the same range as COFS (57). This means that PFLC’s stock grew similarly to COFS’s over the last 12 months.

PFLC's Profit vs Risk Rating (20) in the null industry is somewhat better than the same rating for COFS (73). This means that PFLC’s stock grew somewhat faster than COFS’s over the last 12 months.

COFS's SMR Rating (53) in the null industry is in the same range as PFLC (57). This means that COFS’s stock grew similarly to PFLC’s over the last 12 months.

PFLC's Price Growth Rating (49) in the null industry is in the same range as COFS (61). This means that PFLC’s stock grew similarly to COFS’s over the last 12 months.

COFS's P/E Growth Rating (11) in the null industry is in the same range as PFLC (37). This means that COFS’s stock grew similarly to PFLC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
COFSPFLC
RSI
ODDS (%)
Bullish Trend 3 days ago
60%
Bearish Trend 3 days ago
11%
Stochastic
ODDS (%)
Bullish Trend 3 days ago
71%
Bearish Trend 3 days ago
28%
Momentum
ODDS (%)
Bearish Trend 3 days ago
52%
Bullish Trend 3 days ago
44%
MACD
ODDS (%)
Bearish Trend 3 days ago
50%
Bullish Trend 3 days ago
51%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
59%
Bullish Trend 3 days ago
47%
TrendMonth
ODDS (%)
Bearish Trend 3 days ago
59%
Bullish Trend 3 days ago
44%
Advances
ODDS (%)
Bullish Trend 18 days ago
67%
N/A
Declines
ODDS (%)
Bearish Trend 4 days ago
55%
N/A
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
53%
Bearish Trend 3 days ago
24%
Aroon
ODDS (%)
Bearish Trend 3 days ago
55%
Bullish Trend 3 days ago
41%
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COFS
Daily Signalchanged days ago
Gain/Loss if bought
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PFLC
Daily Signalchanged days ago
Gain/Loss if bought
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COFS and

Correlation & Price change

A.I.dvisor indicates that over the last year, COFS has been closely correlated with COLB. These tickers have moved in lockstep 80% of the time. This A.I.-generated data suggests there is a high statistical probability that if COFS jumps, then COLB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To COFS
1D Price
Change %
COFS100%
+1.14%
COLB - COFS
80%
Closely correlated
+1.85%
VLY - COFS
80%
Closely correlated
+0.66%
HBNC - COFS
79%
Closely correlated
+0.57%
ASB - COFS
77%
Closely correlated
+1.13%
ORRF - COFS
77%
Closely correlated
+0.72%
More

PFLC and

Correlation & Price change

A.I.dvisor tells us that PFLC and KNFSF have been poorly correlated (+24% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that PFLC and KNFSF's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PFLC
1D Price
Change %
PFLC100%
N/A
KNFSF - PFLC
24%
Poorly correlated
N/A
BPIRY - PFLC
21%
Poorly correlated
+1.87%
VABK - PFLC
20%
Poorly correlated
+0.79%
COFS - PFLC
20%
Poorly correlated
+1.14%
PBCRY - PFLC
8%
Poorly correlated
+0.80%
More